Identity Theft Exploding in 2020!
Identity thieves are trying to trick Americans into giving up their personal information, to commit fraud. Everyone must keep their guard up and be aware, to combat identity theft. Important practices include:
- Don᾿t respond to unexpected requests for your account number or personal information.
- Don’t give out PINs or access codes to anyone, even to people you know. You may trust them, but once that information is shared, you can’t control who else might find it.
- Validate all organizations before providing any personal information. Validate the organization by calling a validated phone number, not through a number they provide.
- Never click on unsolicited links unless you can verify the request is legitimate.
- Keep your devices protected and up-to-date with security services.
The most common types of scams will target you through fake emails, text messages, calls, letters, or even someone showing up at your front door. By knowing what to watch out for, we can help you identify fraud events before they happen.
Protect your identity
You may be familiar with our Kasasa Rewards benefits, but we have also partnered with them to provide our members with affordable and powerful identity protection, IdentityIQ. It can assist you with identity monitoring and recovery if you fall victim to fraud.
Find out more about IdentityIQ
Your privacy and security are our top priority!
We strive to keep your personal and financial information protected and secure through responsible information collection and processing. Privacy Notices
Here is what you can do now to help fight fraud:
Use our Mobile Banking app. It’s the best way for you to stay on top of any suspicious account activity
Check your contact information. You’re not the only one protecting your account. If we spot an issue, we want to get in touch with you in the quickest way possible. Make sure your account information is up to date so we can alert you to potential fraud
Create strong, unique passwords. Strong passwords are at least 8 characters in length and comprised of numbers, symbols, and upper & lowercase letters. Use multifactor authentication when possible. Change your passwords regularly
Protect your devices. Keep your phone, tablet, and computer up to date with the latest browsers, operating systems, and antivirus software
Keep your account and identity information secure:
Go paperless e-Statements are generally more secure
Get a shredder for your home to destroy unnecessary printouts or mailings that include your information
Never write your PIN on your card
Use trusted online payment methods such as PayPal, Zelle®, or another known payment service.
Avoid sharing your online ID and Passcode Get help protecting your personal information.
One common scam is to request payment for goods or services through a gift card. The thief will request the buyer purchase a gift card and send them the card info as immediate payment.
They will seem nice and give you reasons why this is a legitimate transaction, but once they have the gift card code, they have your money and you won’t receive the promised purchase!
Never cash a check for a stranger, especially if they ask you to give them all or some of the money back.
Your bank may give you the funds for the check, but when that check is returned as bad, you will be expected to pay it back in full.
This is a common scam pulled on young people who have no strikes against their credit and may be able to cash checks easier. Sometimes the young adults even know that it is a scam, but get talked into making some quick cash.
Parents, warn your kids – this is a fast way to ruin your credit!
PDCU will never contact you and request you to provide your personal information.
- If we contact you, we may ask you to verify your identification that we provide.
- If you contact us, we may ask you to provide proof of identification.
Think about who is the one initiating the contact before you provide personal information.
Scammers may pose as government officials, law enforcement, or other known companies to steal your personal information. Always validate a person’s organization by calling them back through an official phone number, not one provided by the caller.
Look carefully at the URL in the link or email, even if it looks like a company you trust. URL links can be tricky. Pa.yPal is not the same as Paypal. Look for minor differences which could signal a phony URL.0
Sometimes a link can look legit, but actually, be just text that is hiding a different URL. Right-click the link and check the “Properties” to see where it’s really taking you.
When in doubt, contact the company another way.
If you’re not expecting communication from a company, don’t click on the link.
Contact the company if you have any questions.
Scammers may pose as an employee of a large telecommunications company or a technical support provider to tell you that your computer is experiencing technical problems.
They will ask for remote access to solve the problem before demanding that you buy software or pay a fee to fix the computer.
If you give a stranger remote access, they may be able to pull your personal information out of your computer records.
Even if you think you can trust a person that you are wiring money to, verify the wiring instructions.
It is easy for someone to commit fraud by faking instructions to divert money into another account, or a typo that you make in instructions may send the money to the wrong person.
One very common tactic of any scam is to rush you into acting fast before you have time to think. Scammers typically demand immediate responses and payment. Sometimes they even threaten law enforcement or legal action. If you feel threatened, pressured, rushed, or are asked not to provide details to others or your bank about the reason for a transaction, it could be a scam. Always ask us for help.