Automated Teller Machines (ATMs) are the most common way credit union members get cash and make deposits. Here are a few basic safety tips to keep in mind when using ATMs:
Experts estimate that for every case of reported elder abuse, there are 20 to 30 cases that go unreported. It affects men and women from all socioeconomic and educational backgrounds and takes many forms. Elder abuse can be physical, psychological, financial or involve neglect.
Because elder abuse often involves family members, friends and loved ones, victims are often too embarrassed or ashamed to contact the authorities. Therefore, it is up to caretakers, financial representatives, or other members of the community to recognize the signs of elder abuse and take action.
The following are some possible signs of elder abuse:
If you have reason to suspect elder abuse, don't hesitate to contact someone who can help. If the elder is in immediate danger, always call 911 first! Otherwise to report suspected abuse, exploitation or neglect of an older person, call the statewide, 24-hour Adult Protective Services Hotline: 1-866-800-1409, 1-888-206-1327 (TTY).
Everyday, most email users are bombarded with commercial junk email or "SPAM" that clogs up their inbox and makes it difficult to determine which emails are important. Some of these messages are not only annoying, but potentially dangerous.
Criminals, identity thieves in particular, have become adept at impersonating legitimate institutions, such as banks and well-known companies, in order to defraud consumers. This technique is commonly referred to as "phishing." Criminals are looking for a few important pieces of personal and/or financial information, such as social security numbers, bank account numbers and passwords.
Here is an example of a phishing email attempt:
Dear Credit Union Member,
The personal identification number (PIN) was entered incorrectly more than 3 times. For your protection we have deactivated your card.
To reactivate your card please complete the authentication form or call (fraudulent phone number).
Thank you for choosing our services.
Credit Union Customer Service
Live Chat Scams
A new trend in phishing includes live chat windows that pop-up on fake phishing websites. These type of scams are called "chat-in-the-middle". Through this new scam, the phishers chat with the victim to gain their name, phone number and email address.
Avoid this scam by not clicking on any link within an email that requests you to update or authenticate your personal information on a website. Instead, type in, or use the website address you know for the company. Or call the company at a phone number you have for them. If you would like to live chat, initiate contact by clicking on the live chat link on the website you know for the company.
As a general policy, RVCU will never send an email that solicits you for personal information.
Here are some tips to help you avoid email fraud and phishing attacks:
Microsoft now offers a phishing filter on Internet Explorer 7. If you have IE7, you can activate this filter by selecting Tools -> Phishing Filter -> Turn on Automatic Website Checking. This new technology will help you identify phishing websites.
If you receive an email claiming to be from Rock Valley Credit Union, which you suspect is aimed at defrauding you, please contact us at (815) 282-0300 or (815) 877-0441 and the FBI's Internet Fraud Complaint Center at http://www.ic3.gov.
For more information about Spam, visit the Federal Trade Commission's spam website at http://www.ftc.gov/spam/.
Lottery Fraud Schemes are on the rise, targeting unsuspecting victims through email and phone. These schemes often start with an email or phone call telling the person they have won a substantial amount of money in an international lottery. An initial fee is requested to process the money with additional fees following afterwards.
To avoid these types of scams, keep in mind:
For more information on these types of scams and how to avoid them, visit the FBI's Internet Crime Complaint Center at http://www.ic3.gov.
Telephone fraud is one of the most common types of fraud committed in the United States today. In order to protect yourself, it is important to be familiar with some of the most common scenarios that fraudsters use when contacting unsuspecting consumers.
The following are a few examples:
Most importantly, never be afraid to hang up. You have no obligation to continue listening to a telemarketer or salesperson if you don’t want to, or if you feel uncomfortable in any way.
If you ever believe any information related to your Rock Valley account(s) has been compromised, contact RVCU immediately at (815) 282-0300 or (815) 877-0441.
If you have questions about telephone fraud in general, contact the National Fraud Information Center (NFIC) at (800) 876-7060 or visit their website at www.fraud.org.