Changes to Your
Debit Card for Fraud Protection
NY TEAM Federal Credit Union is committed to
protecting our membersí financial information, as well as
educating them on ways they can protect themselves.
Recently in the news large retailers have
been breached which has increased fraud throughout the
country. Breaches happen due to retailers failing to secure
important information, which has resulted financial
institutions with hefty expenses and large fraud losses.
These breaches have also become a large inconvenience to the
consumer, our members. To protect
our Members from the possibility of fraud, NY TEAM FCU will
be requiring our Members to contact the Credit Union when
they travel out of state. It is important to
contact the Credit Union before traveling to ensure you will
have no interruptions using your debit card.
You may ask what happens if you do not contact NY TEAM FCU
before you travel to another state. For Example, if your
address on file with the Credit Union is located in New
York, if you fly to Minnesota and try to use your NY TEAM
FCU Debit Card your transaction will be declined. If you
call the Credit Union prior and let us know the dates you
will be in Minnesota your debit card will not have any
interruptions. Contact the Credit Union by calling us at
View our Security Tips page on our website to
receive many tips on how to protect you from Fraud. The
Credit Union is working hard to provide our members will
Donít forget it is very important to keep
your contact information up to date with NY TEAM FCU.
Security Tips From
Your Credit Union
Below you will find additional tips for Identity
Theft and Online Security
11 Ways to Protect against Debit Card Fraud
Tips for you, Our Member.
Update your contact information with your financial
institution. Your Credit Union can't ask you about a suspicious
charge unless it has your current phone number.
Copy the customer service phone number from the back of each
of your debit or credit cards and keep this list in a
separate location from your purse or wallet in case a thief
steals the latter.
Let issuers know your travel dates and destination. If your
card gets swiped at an unusual location, the card issuer may
decline the suspicious transaction.
Sign up for online banking offered by your financial
institution. These will inform you when particular changes
occur, such as irregular card activity.
Stay away from ATMs that appear dirty or in disrepair. At
best, such ATMs may not work when used, and at worst, may be
fake machines set up to capture card information.
Do not use ATMs with unusual signage, such as a command to
enter your PIN twice to complete a transaction.
Watch out for ATMs that appear to have been altered. If
anything on the front of the machine looks crooked, loose or
damaged, it could be a sign that someone attached a skimming
Avoid using the ATM if suspicious individuals are standing
nearby. Criminals may try to distract you as you use the
machine to steal your cash, or watch as you type your PIN.
Be aware that if your card gets stuck in the machine and
someone approaches to help, it may be a scam. A criminal may
be trying to watch as you enter your PIN code.
If your card gets stuck in the machine, call your Credit
Union promptly to report the incident.
As you key in your PIN, cover the keypad with your other
hand to block anyone, or a camera, from viewing the numbers
Remember to check your account balance on a Daily Basis.