Security Bulletin: Card Issuers Warn of Security Breach

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.

Security Layers:

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 feedback@uccu.com or contact us.

Keep Up-To-Date

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.

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28 thoughts on “Security Bulletin: Card Issuers Warn of Security Breach

  1. Been with UCCU for over 20 years! Great service! Even though we moved from Utah, I kept the account because of the service. Keep up the great and excellent service!

  2. The information i need is how do i now unlock my card, so that i can once again get gas. don’t like this one bit.

    • Hello Cody,

      The only way your card would be blocked is if there was a high probability of transactions occurring that were fraudulent or if the card was on an alert from Visa and we were able to contact you. If the card is still on the account we can remove a block by you contacting the call center at (801)223-8288 or stopping by any branch. I hope this helps,

  3. Now we are reading in the news that one of Utah’s servers which Medicaid uses was compromised. I represent some disabled adults whose Medicaid checks are deposited with UCCU. It is good to know of all the safeguards with credit card transactions; however, what safeguards are there against identity theft/fraud such as hacking of account information residing in third-party sites like Medicaid?

    • if someone’s account information is verified as having been compromised (specifically their account number at UCCU) then we would simply have them open new account at UCCU. If fraud occurs, regardless of the method (ACH, Visa, etc) we have safeguards in place to help members get their money back.

      If the member’s SSN, Date of Birth and name were compromised, but not their UCCU account number or card number, then the best thing to do would
      be to have the individual place an alert with the credit bureaus. If someone requests credit in their name, they cannot get it without the creditor first contacting a specific phone number.

      I hope this helps. Thank you for your question.

  4. Thank you for the information. I have a few questions. Why did Visa or UCCU not call me to warn us of the breach and to inform us that our cards (credit/debit) would not work? We were out of state and trying to buy gas to get home and it was a little frustrating when we weren’t able to purchase anything. Luckily we had cash on hand. I ask this question because in the past we were notified by Visa of abnormal activity. So why didn’t Visa call us this time? Also should we get new cards?

    • Kellsey,

      The credit union will not block the card until after we have talked to the member. However if there is a transaction that looks very suspicious and/or that is from a known fraud merchant the neural network may block the transaction real time. A call will be placed to the main phone number on the account to verify if it is fraudulent or not. Thank you

      • Leanne,

        The breach was not at Utah Community Credit Union. The breach occurred at a third party processor for a merchant who may or may not have processed one of your Visa transactions. We only contact those members with active cards that have been identified by Visa as potentially compromised. We hope this helps. Thanks

  5. I haven’t noticed any strange activities on my account. Thx for the heads-up. My only wish is that the Logout button was large and clear so I don’t accidentally stay logged on when I’m done. Takes forever to find it now. Not user friendly. Thx!

  6. I appreciate all of the talk about the security levels BUT, I did not receive any notice or phone call about this breach and I do not appreciate that, AT ALL!!!
    I had to long in to my online account to find out this information. ?????????
    Something is wrong with this picture and it makes me very concerned as to what else has happened and I have never been informed. Or the fact now, that I do not feel like my account and personal information is safe here.
    Signed,
    Extremely concerned

  7. I have used the services of your credit union for the past 40 years! I have always been very pleased with the level and quality of service. Please keep up the good work.

    I see by some of the posts that you call us in the event that a transaction looks suspicious. What phone number do you call? Can I have you call my cell phone number in the event that I am traveling?

    • Hello Joe,
      In case of a transaction that looks suspicious, a call is placed to the main number on the account. Some members have listed their cell phone as the main number on the account so that the calls will go to that number. If you would like to change the main number on your account to your cell phone number, this can be done through online banking, at any of our branches or by contacting UCCU at 801-223-8228.

      Thank you!

  8. i used my ussu and in online purchases and bill and pay bills,and on other grossarries stores as well, i appreciate you concern, how ever i did not recieved any indication about breaching of my account so far. THANK YOU AGAIN. JINO MADA.

  9. Thank you so much for making me feel secure with your services. The information you sent is a great comfort.

  10. I also appreciate quick action of Visa DPS on checking visa credit card charges. One thing I would like to suggest. Is there a way to request VISA DPS do a better job of teaching their reps to speak good clear english. I am a senior. Everytime this happens and I call into their center I get a rep who is a foreigner who can barely speak english. We spend at least twice the time resolving questions because I have to ask them to keep repeating themselves. This is very frustrating!!

  11. I graduated from BYU and moved out of state 21 years ago and have kept my account with UCCU because I can count on you to protect my interests (and the excellent service). Thank you for the update on the card fraud situation, and keep up the good work

  12. UCCU has always been diligent with me. I travel a lot for work. I used my UCCU card in Toronto, Canada, then California, a layover in Cincinnati, then in Utah in 3 days. UCCU called me THE SAME DAY i used my card in Cincinnati to verify my purchases. Freakin awesome.
    question: what is the name of the “processing firm”?

  13. Wow. Thank you! I knew there was a reason I bank with UCCU.
    Everyone is amazing and I feel safe, protected, and secure!
    Have a beautiful day!

  14. Hey
    Thanks for the info on how my acct is being protected with uccu It gives me a good feeling that the people there really cares about people accts that they have there,. again it is nice to no people like uccu cares about regular people who are trying to make ends meet and know that people like uccu has are backs Again thank you.

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