Personal Finance Manager

 

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Personal Finance Manager

 

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Your Online Security

 

Active Alerts

Skimming Education for Consumers Being Offered via Media Outreach by Maine CUs
July 15, 2016 - Maine Credit Union League

The Maine Credit Union League's expertise and perspective on financial issues continues to resonate with media outlets, as the League has been called upon recently by various media outlets to help educate consumers on skimming and offer ways to protect themselves.
Recently, in light of recent headlines noting various skimming attempts at ATMs specifically in southern Maine including at a credit union, several media outlets have worked with the League to provide information to help protect consumers and raise awareness about the issue of skimming, which is when an electronic skimmer is placed on a device to steal users' card information.
Rebekah Higgins, VP of Payment Systems for the League, is an expert at explaining how skimming works. "This is a significant issue and should be something that consumers and others should be particularly cautious about." She also offered tips to help consumers be better prepared and protected. "If something doesn't look right at an ATM, ere on the side of caution rather than ignore it. Report any suspicious activity or circumstances to your financial institution immediately," she advised.
 

Bangor Savings Bank warns customers of scam text
October 6, 2016 - Bangor Daily News

People in Maine are getting text messages saying there is a “BangorSavings Alert” that says their bank cards have been compromised, but it’s a scam, the bank’s website states.

Some of the recipients are not Bangor Savings customers.

“It has been brought to our attention that there is a text-based SMiShing scam,” the post states. “Unlike previous scams, this one specifically mentions Bangor Savings Bank.

“Please be aware that we will never ask for your ATM/debit card information via phone, text or email,” it states. “Please contact your local branch or Bangor Support (1-877-226-4671) if you have given out personal information. Otherwise, please delete and ignore these text messages.”

The scammer’s text lists the individual’s phone number and asks that the person call various phone numbers. An automated system at that number tells callers to press one to reactivate their cards and then asks the individual to enter his or her credit/debit card number.

 



 

Fraud Alert sent by Maine Credit Union League
September 12, 2016

The Maine Credit Union League has made UCU aware of a fraud alert that appears to have targeted members of at least two Maine Credit Unions in Central Maine & Eastern Maine.

Some members have reported they received a text message telling them that their debit card number was compromised and to call 844-334-6152 or 844-611-0709 (it’s saying one or the other not giving the option of both). When a member calls the number, it asks them for their card number and CVV code. Please be aware that this is a scam!

Members should always use caution when giving personal information over the phone. Feel free to contact UCU at 800-696-8628 with any questions.



 

NCUA Warns of Text Phishing Scam

​ALEXANDRIA, Va. (Aug. 23, 2016) – The National Credit Union Administration has received consumer calls about a suspicious text message​ claiming to come from the agency.

The message reads: “National Credit Union Administration Alert for (recipient's phone number). Contact 844-234-5445.”

This is not a communication from NCUA. The agency does not seek personal information through the internet or on the telephone.

Please contact NCUA's Consumer Assistance Center at 1-800-755-1030 between 8 a.m. and 5 p.m. Eastern if you receive one of these messages. NCUA also recommends contacting your credit union and local law enforcement.

You may also contact the Internet Crime Complaint Center, a partnership between the Federal Bureau of Investigation and the National White Collar Crime Center.

NCUA operates an online Fraud Prevention Center that offers information about avoiding frauds and scams on its MyCreditUnion.gov​ website.

If you suspect you may have become a victim of identity theft as a result of this scam, you should immediately contact the three major credit bureaus and request a fraud alert be placed on your credit report: Equifax (866-640-2272), Experian (888-397-3742), and TransUnion (855-681-3196).
 

 

Cybersecurity Tips of the Month

UCU Cybersecurity Tip of the Month: Be Wary of Scammers Posing as the IRS

With tax season in full swing, criminals may try to pose as the IRS to trick victims out of their money or personal information. The IRS offers the following tips to help you identify when you may be getting scammed:

  • Scammers make unsolicited calls and call taxpayers claiming to be IRS officials. They often demand that the victim pay a bogus tax bill and con the victim into sending cash, usually through a prepaid debit card or wire transfer. They may also leave “urgent” callback requests through phone robo-calls or via phishing emails.
  • Scammers try to scare their victims. Many phone scams use threats to intimidate and bully a victim into paying. They may even threaten to arrest, deport or revoke the license of their victim if they don’t get the money.
  • Scams use caller ID spoofing. Scammers often alter caller ID to make it look like the IRS or another agency is calling. The callers use IRS titles and fake badge numbers to appear legitimate. They may use the victim’s name, address and other personal information to make the call sound official.
  • Cons try new tricks all the time. Some schemes provide an actual IRS address where they tell the victim to mail a receipt for the payment they make. Others use emails that contain a fake IRS document with a phone number or an email address for a reply. These scams often use official IRS letterhead in emails or regular mail that they send to their victims. They try these ploys to make the ruse look official.

The IRS will not:

  • Call you to demand immediate payment. The IRS will not call you if you owe taxes without first sending you a bill in the mail.
  • Demand that you pay taxes and not allow you to question or appeal the amount you owe.
  • Require that you pay your taxes a certain way. For instance, require that you pay with a prepaid debit card.
  • Ask for your credit or debit card numbers over the phone.
  • Threaten to bring in police or other agencies to arrest you for not paying.
     

 


These monthly cybersecurity tips are brought to you by University Credit Union in an effort to help our members stay safe when online. This tip will be available in the Cybersecurity Tip Archive for 12 months.
 

UCU Celebrates 50 Years