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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 (516) 822-1070.

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 exceptional service.

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 device.

  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 you type.

  Remember to check your account balance on a Daily Basis.

 

 

Online Security

Here are some tips to help protect yourself when using social media networks such as Facebook, LinkedIn, YouTube and Twitter:

  • Consistently validate that each of your computers has up-to-date software installed including operating system, personal firewall, anti-virus, anti-spyware and current browser. Ensure your anti-virus and anti-spyware software is enabled and performing scans on a regular basis. Use reputable internet tools to scan your browser for known vulnerabilities

  • Set the privacy and security settings on your social network accounts to a level that you are comfortable with for information sharing

  • Be aware of how much personal information you post on social networking sites. Confidential information should never be shared including date of birth and social security number. A hacker could use this information to steal your identity or access your data

  • Do not announce that you are on vacation or away for an extended period of time

  • Use strong passwords combining capital and lowercase letters, numbers and symbols and change your password frequently

  • Use different passwords for different accounts; never using the same password for business and personal accounts

  • Never click on hyperlinks within a post or text message if it appears suspicious even if it appears to come from a friend. Your friendís account may have been hacked or infected and could now be spreading malware

  • Remember, once you post information online it stays online. Protect your reputation by assuming everything you post online is permanent

 
   
 

Identity Theft:

As you know, crimes like identity theft, computer hacking, telemarketing fraud and email fraud are unfortunately all too common today. One of the ways individuals carry out such activities is by posing as a representative of a company you currently do business with.

At NY TEAM FCU, we want you to know that the only reason we would contact you seeking any type of personal or financial information would be if you were in the process of applying for a loan or opening an account with us. If you ever question the legitimacy of a request for your personal or financial information made by an individual claiming to represent NY TEAM FCU, please contact us immediately at 1-516-822-1070.

It is important to check your credit report on a periodic basis as part of your ongoing actions to protect yourself from identity theft. This will allow you to validate the accuracy of your information and protect against potential fraudulent activity on your accounts. If you notice any inconsistencies on your report, you only need to notify one agency and they will share the information with the other two credit bureaus.

You can contact each of the three major credit bureaus:

Equifax

To report fraud, call: 1-800-525-6285 and write: P.O. Box 740241, Atlanta, GA 30374-0241

For the hearing impaired, call 1-800-255-0056 and ask the operator to dial

For the Auto Disclosure Line, call 1-800-685-1111 to request a copy of your report.

Experian

To report fraud, call: 1-888-EXPERIAN (397-3742) and write:

P.O. Box 9530, Allen TX 75013

TDD: 1-800-972-0322

Trans Union

To report fraud, call: 1-800-680-7289 and write:

Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634

TDD: 1-877-553-7803

You should also report the crime to your local law enforcement agency and to the Federal Trade Commission (FTC).

You can contact the FTC at 1-877-438-4338.

For more information on identity theft, please visit:

The Identity Theft Resource Center
The U.S. Department of Justice

 


Newsletter Online
March 2015

 


Our MasterCard Credit Card Members will now be earning Rewards on Every Purchase!!



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Alliance One's Newsletter

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

Accounts Federally Insured to $250,000 by National Credit Union Administration an agency of the U.S. Government

The NCUA Insurance Call Center, at (800) 755-1030, ext. 1, operates from 8 a.m.-6:30 p.m. Eastern time, Monday through Friday. Experts are available to answer questions about NCUSIF coverage.
 

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