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 Fraud/Scam Information

FBI Warns of Potential ATM Heist g
The FBI has issued a warning to all financial institutions regarding an impending cybercrime, a heist called an "ATM cash-out". Click here for more information on this.

We encourage you to stay vigilant about checking your account and to sign-up for alerts. Using our CardValet App you can easily monitor your cards for unusual activity and turn your card off should you notice something strange. If you do notice unusual activity, give us a call immediately at 402-465-1000.

7 Summer Fraud Scams to Avoid All Year Long
Learn about some of the most prevalent financial scams that are catching consumers by surprise.

Click here for the 7 Summer Fraud Scams to Avoid All Year Long.

Tech Support FraudThe FBI recently put out a public service announcement regarding Tech Support Fraud and how to protect yourself from it. Read the full article and get tips on what to look for and what to do if you are a victim of fraud.

Fraud Protection Steps: Protect Yourself
Because fraudsters are always hard at work, it is important to be cognizant of scams that may affect you and to keep some best practices in mind.
Best Credit and Debit Card Practices include:
o Carry only the card(s) you plan to use.
o Know where your cards are at all times.
o Check for evidence of tampering before you use an ATM to obtain cash. Glue and overlays on the card
            reader or keypad are common items to be on the lookout for.
o Monitor account activity periodically via online banking and monthly statement
o Respond to Fraud alerts as soon as possible.
o Ensure computers have the most up-to-date anti-virus software.  
Phishing scams are used by fraudsters to obtain a card, account, or personal data through fictitious phone calls, websites, emails, and more.
o Be wary of emails from unrecognized persons or email addresses that require that you to confirm personal or financial information over the internet or call unknown numbers. These emails typically include verbiage that makes the request seem urgent to stimulate a quick response from the frightened consumer.
o Ensure that email spam filter settings are turned on to block emails from persons that are not in your contact list.
o When an email includes a link and requests that you visit a website, keep in mind that phishing websites often copy the entire look of a legitimate website, making it appear authentic. To be safe, call the legitimate enterprise first to inquire about the email you received to ensure it is valid. Businesses should never request personal information to be sent via email.
o Beware of phone phishing schemes and do not divulge card, account, or personal information over the phone unless you initiate the call.
o Do not click on links, download files, or open attachments in emails from unknown senders. 
Charity Fraud
Fraudsters use charity organizations as a way to capitalize on kindness throughout the year, and thousands of people fall for these scams. Charity fraud occurs when an individual or group deliberately misrepresents its fundraising intentions or solicits funds for phony causes.
o Request written information from the organization including name, address, and phone numbers of its members.
o Be wary of 3rd party companies that claim they are collecting donations on behalf of the legitimate organization.
o Do not click on links in unsolicited emails. Go directly the websites of known charities.

Keep Your Passwords CurrentUse A Different Password For Every Website You Visit. Using the same password for more than  one website or service may seem to make things easier, but consider what happens if a hacker gets your password from a site that you use. Soon the attacker will have access to all of your sties. If remembering all of those different passwords is a problem, consider using a password manager as mentioned below, or a technique known as Password Haystacks. Use a combination of upper case, lower case, numbers and symbols.

Create unique passwords
Don't use your date of birth, social security number, or recognizable words. Try to use one with a combination of letters, numbers, and symbols and make the password as meaningless as you can remember. The more original you are the better. According to password management company SplashData, the top three passwords of the year are "123456,” "password” and "12345678", please avoid these ones.

Try a password manager. Applications such as LastPass, Dashlane, and Norton Identity Safe, allow you to store your passwords in one place, and secure them using just one, really good password. They also have great utilities for helping you generate truly secure passwords, as well as test the passwords that you're using.

Set up two-step or two-factor authentication. Two-step authentication asks you to sign in with your password, and then add a second sign-in - a numeric code sent by text, e-mail, or a phone call. That way, even if your password is stolen, the attacker cannot access your account without your phone or email account, too. Many services such as Google and Facebook offer two-factor authentication.

Text Message Scam Alert
Text messages titled "Bank Alert" are being sent out to individuals saying their account information has been compromised. Do not respond to this text. Liberty First Credit Union does not text information to our members about account compromises. If you have responded to the text and/or given out any personal information please call ASAP 402.465.1000.

Identity TheftWhen it comes to identity theft, you can't entirely control whether you will become a victim or not. But, there are certain steps you can take to minimize your risk.

Don't carry your Social Security card with you. Leave your card in a secure place and only give your Social Security number when absolutely necessary. Before giving out your number ask if other types of identifiers would work. If your state uses your Social Security number on your driver's license, ask to substitute another number. Do the same if your health insurance company uses your number as your policy number.

Order a copy of your credit report. An amendment to the Federal Fair Credit Reporting Act requires each of the major nationwide consumer reporting companies to provide you with a free copy of your credit reports, at your request, once every 12 months. To order your free annual report from one or all the national consumer reporting companies:
visit www.annualcreditreport.com
call 877-322-8228 or complete the Annual Credit Report Request Form and mail it to
Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Source: Federal Trade Commission. For more information and helpful tips, visit www.consumer.gov/idtheft/.

Card Fraud Protection Phone NumbersNumber you will see on your Caller ID if called by the automated Fraud Protection Line: 877-253-8964
Number you will see on your Caller ID if called by a  Fraud Protection Call Center Agent: 800-279-2674
Toll Free callback number if you are in the US: 800-262-2024
Collect callback number if you are outside the US: 973-682-2652