The credit union takes protecting members against fraud and fraud prevention very seriously. KCCU regularly publishes articles in the Common Bond to alert members on different types of fraud and the latest scams.
Phishing - Phishing is a fraudulent attempt to capture your personal information to permit the criminal(s) to access your funds. Usually an e-mail sent to you by a company, bank, internet service provider (or so it appears) asking you to input financial information like a Personal Identification Number (PIN). Do not reply. Just ignore it and delete the e-mail. KCCU and banks will never cancel your account and ask you to set it up again. Any requests that come by e-mail asking you to give out personal information are likely an attempt to capture the information you give and defraud you. If they are making excuses and apologizing for the inconvenience chances are it is phishing.
Identity Theft - Protect your identity. Never share personal information. This is when someone uses your personal information without your knowledge or consent. Watch for clues. One clue could be a bill that has stopped coming (for example a fraudster can redirect bills to their address and assume your identity and apply for credit). This can go as far as loans and mortgages. Check your statements regularly and be vigilant.
Protect your credit and debit cards - Make sure you know where your debit and credit cards are at all times. Never keep your PIN number near the cards and avoid writing them down if you can. Card fraud occurs when a person uses your card without your knowledge or consent.
Protect you PINs Cover your fingers with the other hand when keying in a PIN, fraudsters can use small cameras and magstrip machines to get the card number and your PIN. Avoid writing your PIN number down, saying it our loud and never lend your card to anyone.
Telemarketing Scams If it sounds too good to be true, rest assured it is. Criminals will attempt to deceive you with phony offers. Do not take the bait. Whether it's driveway paving, trips, shopping sprees. Look up the company in the phone book, check the Better Business Bureau, ask friends, call the police or someone you trust. Protect yourself by being cautious at all times.