October is Cybersecurity Awareness Month, and at People Driven Credit Union (PDCU), we’re committed to helping you stay safe online. With cyber threats on the rise, phishing is among the most common attack types. But with the right knowledge and precautions, you can protect yourself from falling victim to these scams.
Can You Spot a Phishing Scam?
Phishing scams are designed to trick you into sharing sensitive information, such as passwords, credit card numbers, or even your Social Security number. These scams often pose as trusted organizations or individuals and can be challenging to recognize. Here are a few common phishing tactics:
- Fake Emails: You may receive an email that looks like it’s from your bank, credit union, or a delivery company, claiming there’s an issue with your account. These emails usually ask you to click a link and log in, leading to a fraudulent site.
- Suspicious Links: Some phishing messages urge you to “act now” to avoid having your account locked or to claim a prize. Be cautious about links that ask for personal information, especially when you don’t expect them.
- Imposter Websites: Cybercriminals sometimes create websites that closely mimic legitimate sites. One small difference in the URL could be the only clue that it’s fake. Always double-check website addresses before entering your information.
Tips to Protect Yourself during Cybersecurity Awareness Month
By staying vigilant, you can avoid falling prey to phishing scams. Here are some tips to help keep your personal and financial information secure:
- Be Skeptical of Unsolicited Messages: Don’t rush to respond if an email or text feels suspicious. Double-check the sender’s email address or phone number. Legitimate companies, like People Driven Credit Union, will never ask for your personal information via email or text.
- Hover Over Links Before Clicking: Before you click on any link in an email or text, hover over it with your mouse to see the full URL. Avoid clicking if the link doesn’t match the sender’s official website or seems off.
- Use Strong, Unique Passwords: One of the best ways to protect your information is to create strong, unique passwords for each of your accounts. Consider updating your passwords regularly to add another layer of security.
- Enable Custom Alerts in the PDCU Mobile App: At PDCU, we offer custom account alerts through our mobile app to help you monitor your account activity. Set up notifications for transactions and account changes to spot any unusual activity immediately.
Stay Protected with Mobile Alerts
One of the easiest ways to keep your account safe is by staying informed. PDCU’s mobile app allows you to set up real-time alerts, so you’ll be notified instantly of any changes to your account. This can help you detect suspicious activity early and take action quickly.
If Something Seems Off, Trust Your Instincts
Remember, if something seems too good to be true, it probably is! Always take a moment to assess the situation, especially if you’re asked to provide personal or financial information.
If you have any questions or notice suspicious activity on your account, please call (248) 263-4100 or contact us online.
Stay safe and cyber smart this Cybersecurity Awareness Month!
Take Action Before a Scam Takes Action on You
Phishing scams move fast. These two steps help you catch suspicious activity before it becomes a real problem.
Set Up Real-Time Alerts in the MyPDCU App
The MyPDCU app lets you set custom alerts for transactions and account changes. You get notified the moment something posts to your account, so you can spot unauthorized activity right away. You can also lock your debit or credit card instantly from your phone if you think your information has been compromised.
Report Suspicious Activity to PDCU
If you receive a suspicious message that appears to be from PDCU, or notice anything unusual on your account, contact us right away. Our fraud alerts page explains what to watch for and how to reach us quickly. Early reporting gives us the best chance to protect your account before any damage is done.
People Driven Credit Union will never ask for your password, full account number, or Social Security number by email or text. To report a lost or stolen PDCU debit card call 888-241-2510 anytime. To report a lost or stolen Visa credit card after hours call 800-543-5073. Federally insured by the NCUA. NMLS 776727. Cybersecurity Awareness Month
