March 30, 2012 several news agencies reported a data breach at a payments processing firm that has potentially compromised credit and debit card information for as many as 10 million cardholders, representing cards from all of the major card brands, like Visa and MasterCard.
Card security is a top priority for Utah Community Credit Union. UCCU has extensive safeguards in place to protect members from this type of fraud; and in the event you are a victim, the credit union has quick and efficient processes in place so you can get your money back.
No matter where you shop (even online), you can feel confident using your Utah Community Credit Union Visa® check or credit card because we’re always working to keep you safe – with multiple layers of security.
Card Data Mismatch
- Several security values are checked before a transaction is authorized.
Fraud Prevention Tools
- The 3-Digit Security Code on the back of your card provides Internet and phone security by helping verify that you’re in possession of your card.
- With Verified by Visa, your identity is confirmed through a personal password while shopping at participating online merchants.
Real-Time Fraud Detection
- Using best-in-class solutions for Real-Time Fraud Monitoring, we screen your account 24/7 to detect suspicious card activity outside your normal pattern. If something seems abnormal, you will receive a phone call to let you know.
We’ll Fix It
- Our protection means you don’t pay for unauthorized use of your credit or debit card.
- Access to Identity Theft Assistance helps you regain control of your account if you suspect you’ve been a victim of card fraud.
There are some steps you can take to help protect yourself as well. Some may seem like common sense, but it’s important to keep them in mind.
General tips on card safety:
- If your card is ever lost or stolen, report it immediately
- Don’t leave your card anywhere it could be easily taken (this includes the glove compartment of your car)
- Monitor your account
- Keep your account information current so that if there is suspicious activity we can contact you.
- Make sure you memorize your PIN
- Shred documents that contain any personal or financial information before you dispose of them
- Before shopping online, ensure your computer has up-to-date anti-virus and spyware software installed
Don’t Respond To Emails Requesting Your Personal Information
Many businesses use email to communicate with customers. Online banking and shopping are safe. But remember that UCCU will never ask you to provide personal information such as account numbers, passwords or your Social Security number via email.
This is important to remember because you may occasionally receive “official looking” emails from people posing as legitimate organizations, asking you for your personal information – this is illegal; it’s called “phishing”.
Don’t fall for scare tactics in emails that threaten things like ‘if you don’t respond immediately, we will close your account’ – if you receive an email that you’re not sure about, forward it to firstname.lastname@example.org or contact us.
You should look at your account details regularly to make sure you don’t have any unauthorized transactions. This can be made easier by checking your statements and paying bills online. It’s also a good idea to check your credit report annually for any activity you didn’t initiate. For information on how you can obtain a free annual credit report, visit www.annualcreditreport.com
UCCU is a leader in card security. By keeping these simple tips in mind, you can help us keep your card safe – at the store, online or anywhere else.