Fraud Protection Center
Yourself from Identity Theft >>
The rate of identity theft-related fraud has risen
sharply since 2003. Studies show that from mid-2005 until
mid-2006, about 15 million Americans were victims of fraud
that stemmed from identity theft, an increase of more than
50 percent from the estimated 9.9 million in 2003.
Learn how to protect yourself from criminals who use
your stolen identity to commit crimes.
Visa Credit Card & Matercard Debit Card Fraud Alert:
We have been notified of a recent breach in a major merchant data processing system has resulted in fraudulent activity on consumer credit & debit cards nationally, including a select number of Post Community Credit Union cards.
The information breach did not occur at Post Community Credit Union nor did it occur at a merchant. Fraudsters specifically targeted the data processing systems that merchants use to process payments. Please know that Post Community’s members’ information has always been, and still is, safe with the credit union.
Post Community is taking the necessary steps to ensure the safety of member account data. Due to the nature of this incident, the isolated member accounts affected by this fraud will be notified, along with cards cancelled immediately and a new replacement card sent.
How this May Affect You and Precautions You Should Take:
- Closely monitor your accounts to make sure there are no unauthorized transactions.
- If your credit or debit card is declined at a merchant, please contact your local branch to verify if your debit card was affected by this fraud activity.
& Email Scams ... Protect Your Information!
Post Community Credit Union will NEVER make
unsolicited phone calls or send emails requesting your personal
account information. If you ever receive an email
or phone call purporting to be from PCCU,
do not provide any personal information. Always log
into the Post Community Credit Union site directly
(by typing www.postcommunitycu.com in your browser
address bar) or contact one of our Member Service
Representatives before divulging any information.
Protect Yourself. Don’t
become identity theft’s next victim
There are simple precautions that will keep your identity safe. We've provided
the following information as a courtesy to help protect you from identity fraud
and other criminal activities. Review the links and information on this
page to learn how to protect your personal and financial information
Card Fraud Protection
|Credit card fraud generally occurs
when cards or card numbers are compromised. By following
these simple guidelines your potential for loss can
Tips for protecting
yourself against credit card fraud
- Keep a list of all your credit cards including
the account number and phone number to the
- Review your credit card statement as soon
as possible. Match charges with your receipts
to ensure all charges are yours and are for the
- Always sign a new credit card immediately.
- When making a purchase with a credit card,
make sure you get the card back and the receipt.
Check the receipt for accuracy.
- When using a credit card at a restaurant or
store, make sure that all blank lines are marked
through so that no one can change the final amount.
- Never sign blank credit card receipts.
- Only travel with the credit cards you plan
- Never give the account number of the credit
card over the phone unless you initiate the call.
- When making an order over the telephone, try
to avoid using a cordless phone. Cordless phones
messages can be easily intercepted by devices
as unsophisticated as baby monitors and police
- Do not write the PIN for the account on the
- To report a lost or stolen card please call 269-966-3900 during normal business hours or
800-991-4961 after hours
Identity theft can occur when an
individual obtains personal information, such as
your social security number, date of birth, address,
and financial account numbers. Once this information
is obtained, the thieves will assume or take on
your identity, allowing them to illegally purchase
items or obtain credit. By following these simple
guidelines, your potential for loss due to identity
theft can be greatly reduced.
Tips for protecting yourself against
- Check your credit report on a regular basis
to ensure the information is correct.
- Immediately tear up (using a shredder is even
better!) unsolicited credit card offers.
- Never give personal information over the phone
unless you initiated the phone call.
- Never give a credit card number over the phone
unless you have initiated the phone call.
- Always be familiar with financial accounts
that you currently maintain. Verify statements
and other information sent by your financial
institution for accuracy.
Cashing Fraud Protection
This guide provides tips for protecting
yourself against check cashing fraud. Check cashing
fraud occurs when individuals use information taken
from your checks, or the checks themselves, to
access your accounts and commit fraudulent acts.
By following these simple guidelines you can greatly
reduce your risk of becoming a victim.
Tips for protecting
yourself against check cashing fraud
- Always safeguard your checks. Do not leave
your checks out in an open area. Never leave
your checks in your car or out on your desk
at the office.
- Keep your blank checks and canceled checks
in a safe place. Put them in a vault or other
secure location. Destroy old blank checks if
you are not going to use them.
- Limit the amount of personal information printed
on the checks to your name and address. Use plain
designed checks. The fancier the check the easier
it is to forge the signature. Useful information
for thieves includes not only your account numbers,
but information used to verify your identity,
such as your driver's license number, social
security number, and secret codes. Don't have
this information printed on your checks.
- Don't leave your bill payments sitting in an
unlocked mailbox for pickup. Many credit thieves
will steal bills from rural mailboxes at the
end of driveways so they can get your account
information, checking information, and even your
checks. Go to the Post Office directly or use
a curbside USPS mailbox (the blue metal ones)
and drop your bills in the slot rather than using
less secure street mailboxes.
- Be discreet when writing checks in public places.
Write your checks carefully and leave no space
in which figures or words can be inserted.
- When you make an error in writing a check,
be sure to destroy the check or write "canceled" across
it and store it with your other canceled checks.
- If your checks are lost or stolen, report it
immediately to your financial institution.
- Reconcile your monthly statements as soon as
you can to ensure all transactions are accurate.
Contact us immediately if you do not receive
it when expected. Be sure to contact your institution
within that time frame to ensure that proper
attention is given to reconciling the problem.
- When you reorder checks, mark your calendar.
If you don't receive your checks within 15 working
days, contact your financial institution immediately
to inquire as to the status of the order.
- Consider alternatives to check writing. For
instance, paying by phone, online, or setting
up automatic payments. Fewer checks mean fewer
ATM fraud can occur when individuals
lose their card, give their card to someone else
to use, or when their Personal Identification Number's
confidentiality is compromised. By following these
simple guidelines you can greatly reduce your exposure
to ATM fraud.
Tips for protecting
yourself against ATM fraud
- Never write your Personal Identification
Number (PIN) on your card or in your wallet.
Memorize your PIN as soon as possible. Do not
reveal your PIN to anyone not authorized to
use the account.
- Never use your date of birth, social security
number, license number or street address as a
PIN -- those are the first numbers a crook will
- Don't throw away your ATM receipts at the ATM
location. Keep them to reconcile your account,
then dispose of them properly when you get home.
- Always be aware of your surroundings when
using the ATM. If it is late at night, try to
use a machine that is well lit and avoid dark,
- Always make sure to retrieve your ATM card
from the machine when the transaction is complete.
- Be aware of the person behind you. Make sure
no one can see you entering your PIN or how much
money you withdraw.
- Review your statement promptly to ensure all
transactions are accurate. Report any discrepancies
- Destroy old ATM cards immediately after receiving
your replacement cards.
To report a lost or stolen ATM/ Debit Mastercard, within the United States please call 1-888-241-2510
ScamsIn addition to the types ATM
fraud that most of us are now aware of, there
are two new types that can clean out your account
quickly -- card withholding and skimming.
Card withholding occurs when your card gets stuck
in the ATM, you can't get it out, and you leave
the card in the ATM planning to contact the financial
institution the next morning. When you call you
find that the card was not stuck in the ATM. What
happens is that thieves put a substance into the
ATM card slot which will cause your card to stick
inside the ATM. They leave the ATM and wait for
someone to attempt to use it. They then get in
line behind you and try to watch you enter your
Personal Identification Number (PIN). This is very
common at drive-up ATMs where the user may not
be paying attention to other people or cars nearby.
The thieves even go so far as to put up a sign
on the ATM stating: "If your card gets stuck,
enter your PIN three separate times to retrieve
it." This gives them three tries to watch
you enter your PIN. After you leave frustrated,
and you're planning to contact the ATM owner the
next morning, they remove your card with a pair
of pliers. They can then use your card at other
ATMs and Point-of-Sale (POS) terminals.
Skimming is done at businesses that offer Point-of-Sale
(POS) devices for you to pay with your ATM card,
such as gas stations. The thieves convince an employee
to allow them to connect a lap top computer to
the POS machine. The lap top is usually stored
under the counter where the POS device is located.
When you swipe your card in the POs device to make
a payment the information on the magnetic strip
on your ATM card is copied and loaded onto a disk.
Thieves may also install a hidden video camera
that records you entering your PIN. They then match
the magnetic information to the PIN and access
to take for countering these scams:
- Before inserting your ATM card into an ATM
inspect the card slot for any residue.
- If there is residue, don't use that ATM. If there
is a notice on the ATM about entering your PIN
several times, don't use that ATM.
- Always cover your hand when entering your PIN:
if the thieves don't have your PIN, they can't
access your account.
Actions for Fraud Victims
If you suspect fraud, it is important to act
quickly to minimize potential damage and your
own liability. It is important to keep a detailed
account of conversations you have with authorities
and financial institutions.
Credit Bureaus. Immediately call
the fraud units of the three credit reporting companies
-- Experian (formerly
TRW), Equifax and Trans
Union. Ask that your account include a statement
referencing the possibility of fraud.
Creditors. Contact all creditors
immediately with whom your name has been used fraudulently
-- by phone and in writing. Monitor your accounts
closely for any further fraudulent activity.
Law Enforcement. Report the crime
to police with jurisdiction in your case. Provide
any documentation that you have collected. Get
a copy of your police report. Keep the phone number
of your fraud investigator handy and give it to
creditors and others who require verification of
Financial Institutions. If you
have checks stolen or bank accounts set up fraudulently,
contact the institution to report the crime. Put
stop payments on appropriate outstanding checks.
Close your checking and savings accounts and open
new accounts. If your ATM card is stolen or compromised,
get a new card and PIN. When choosing a PIN, don't
use common numbers like the last four digits of
your Social Security number, your date of birth,
license number or street address.
U.S. Postal Service. Notify the
local Postal Inspector if you suspect an identity
thief has filed a change of your address with the
post office or has used the mail to commit credit
or bank fraud.
Social Security Administration.
Call to report fraudulent use of your Social Security
Department of Motor Vehicles (DMV).
Call to see if another license was issued in your
name. Go to your local DMV to request a new number.
Also, fill out the DMV's complaint form to begin
the fraud investigation process. Send supporting
documents with the completed form to the nearest
DMV investigation office. Request a driver's license
number different than your Social Security number
if available in your state.
Civil Courts. If a civil judgment
has been entered in your name for actions taken
by your impostor, contact the court where the judgment
was entered and report that you are a victim of
identity theft. If you are wrongfully prosecuted
for criminal charges, contact the state Department
of Justice and the FBI.
- Never leave your computer, tablet or mobile phone unattended when using any Internet banking, mobile banking or other financial services.
- After you have completed your Internet or mobile banking session, it is good practice to log off to ensure that the session is completed.
- It is also good practice to lock your computer or mobile device whenever you plan to leave it unattended.
- Never use publicly available information to create your password. Examples to avoid are common names or phrases, birth dates, social security numbers, etc. And of course, it goes without saying that you should never reveal your password to anyone.
- Keep your pin confidential. Under no circumstance will you be asked to provide it to your financial institution.
- Change your passwords frequently. Establish a routine where you change your password every few weeks to reduce the risk of a compromised account.
- Be sure to take advantage of all the extensive alerts within Internet banking. Once you set up the alerts you need, your financial institution’s systems will notify you of activity on your accounts.
- Protect yourself against “Phishing Scams”,
phony e-mails using fake Web sites that try to
fool you into revealing personal financial data.
These e-mails may look like they come from real
companies, such as PayPal, Ebay, credit card
companies, or other financial institutions. To
make sure you never provide your personal information
to a fraudulent web site, never reply to an e-mail
link. Always open a new web browser and go directly
to their web site.
- Never give your personal information via e-mail. Post
Community Credit Union will never request personal
information via email.
- When entering personal account information, verify
that you are on a secure web site. If the
web site is secure, you will find "https" in
the address and a closed padlock in your browser's
- Install anti-virus and anti-malware software. There are many good applications available for both your computer and your mobile device. Some are even free. Also, remember to keep these products updated regularly so they can be most effective.
- If you have a mobile device such as a Smart phone or tablet, ensure that you install software capable of remotely wiping the device should it get stolen or lost.
- Turn off wireless device services such as Wi-Fi, Bluetooth and GPS when they are not being used.
- Be aware of the types of information that you post to social networking sites. Ensure you know who your “friends” are on such sites and do not accept “friend” requests from unverified parties. Statistics show that users of such sites experience a higher incidence of fraud. Use privacy settings on social networking sites to control who is able to access your personal information.
- Checks and your financial statements all have your private financial information on them. Use online bill pay whenever possible to reduce the paper trail and the risk of your account information being compromised.
- If you suspect fraudulent activity or have doubts about the authenticity of a site or communication you have received via any medium, please call your financial institution immediately at 1.800-835-7328
- Never give your personal information over the
If you feel a call is suspicious, call the company
directly to verify the authenticity of the call.
- Beware of organizations asking for charitable
If you want to donate money, contact the organizations
yourself to make sure that your money is going
to the appropriate place.
Savings are Federally Insured to at least $250,000 and backed by the full faith and credit of the United States Government. NCUA - National Credit Union Administration, a U.S. Government Agency.