Whether you’re using the web or checking your e-mail, we care about your security and privacy. At LCCU, we know that your personal financial information is an asset worth protecting. Use the free LCCU Security Center to keep up to date with the latest technologies, education, and tools available to help you protect your security.
- Use an Internet firewall.
- Keep your computer up to date.
- Use up-to-date antivirus software.
- Use a secure web browser.
TIPS FOR SECURE BROWSING
- Always use the most current version of your browser.
- When making transactions online, check for the “lock” icon on the status bar that shows that you are on a secured website. Also, check that the URL begins with “https” in the address bar.
- Don’t select “remember password” when using a publicly accessed computer. Perform transactions (such as shopping or submitting personal information) at sites that
- Check your credit report regularly for inaccurate information. www.annualcreditreport.com/cra/index.jsp
- Avoid using easily available information like your birth date, last four digits of your SSN, or your mother’s maiden name.
- Secure personal information in your home.
- Limit the use of paper statements. Paperless statements help avoid identity theft and fraud.
- Shred documents containing personal or financial information.
- Ask about information security procedures in your workplace. Verify your records are kept in a secure location.
- Don’t give out personal information on the phone, through the mail, or over the internet unless you’ve initiated the contact or are sure you know who you’re dealing with.
CREDIT AND DEBIT CARD SECURITY MEASURES
- Report lost or stolen cards immediately.
- Sign your card on the signature panel as soon as you receive it.
- Protect your cards as if they were cash.
- Don’t leave your cards in the glove compartment of your car. An alarmingly high proportion of all card thefts occur in glove compartments.
- Never write down your PIN – memorize it. Also, never use your PIN as a password.
- Ensure that you get your card back after every purchase.
- Make a record of your card account numbers and telephone numbers for reporting lost or stolen cards. Keep that list in a safe place. Always check your billing statement and verify the amounts of your purchases.
- Always check your billing statement and verify the amounts of your purchases.Never disclose your PIN to anyone. No one from a financial institution, the police, or a
- Never disclose your PIN to anyone. No one from a financial institution, the police, or a merchant should ask for your PIN.
Verified By Visa https://usa.visa.com/personal/security/vbv/index.jsp Use this FREE service to protect yourself when shopping online with your LCCU Check Card or LCCU Visa® Credit Card.
REPORT LOST OR STOLEN CARDS- Call your local LCCU branch during normal business hours. If it is after business hours, on a weekend, or holiday call:
Debit Cards (800) 554-8969
Credit Cards (800) 808-7230
- Watch your surroundings. If the machine is poorly lit, or in a hidden area, use another ATM.
- Guard your PIN. Keep a lookout for suspicious activity. Always guard your PIN and transaction amount, and immediately cancel your transaction and leave if you see something suspicious.
- Be safe at the drive-thru. When using a drive-through ATM, lock car doors and other windows. When walking up, never leave your car running or unlocked.
- Take your receipt. Always take your receipt. It contains personal information that could be helpful to thieves.
- Avoid strangers. When using an indoor ATM that requires your card to open the door, avoid letting unknown people in with you.
- Phishing – Phishing is a high-tech scam where emails are sent to consumers falsely claiming to be a legitimate company, in an attempt to obtain non-public, personal information. The emails may claim the information is for some purpose supposedly required by law. It will usually require your “immediate attention.” Do not trust or act upon unsolicited emails that request personal information. Never provide personal or sensitive information via email.
- Sweepstakes and Lottery Winning Scams – Be aware of scams that say you’ve won a sweepstakes or lottery, and then ask you to wire money to a designated location –
usually outside the country. A phone call or letter you receive will state that you previously entered a promotion and you have been chosen as the big winner. You are then asked to pay for processing, taxes, etc. to claim your prize. Please contact your local police department if you suspect you’re the target of one of these scams.
- Telemarketing Fraud – Telemarketing Fraud Scams have been around for years. Fraudsters try to earn your trust and invest/steal your money. If and when you send money to a person you do not know or give personal or financial information to unknown callers, you increase your chances of becoming a victim. When you hear statements like “you must act now”, “you have won a free gift or prize”, or “this is a no- risk offer”, be cautious. It would be best to say “no thanks” at this stage and hang up the phone. Remember, it is impossible to get your money back once it is paid out under fraudulent means.
- Check Washing – “Check Washing” is a process when ink is chemically removed from a stolen check. The check is then re-written to a different merchant or company for a higher amount and cashed. You can prevent this from happening to you by using eBranch Online Banking to pay your monthly bills. Ninety-nine percent of all checks that are washed are stolen out of home mailboxes.