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Fraud Protection Center

Protect 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.

Phone & 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

If your identity has been stolen, here's what to do:
  • Contact Post Community Credit Union for immediate assistance.
  • Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you at no cost.
  • Credit Bureaus: Experian , Equifax and Trans Union
  • Close the accounts that you know or believe have been tampered with or opened fraudulently.
  • Use the FTC's ID Theft Affidavit when disputing new unauthorized accounts. (Adobe Acrobat)
  • File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
  • File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you.
  • If you believe you have been a victim of Mail Fraud, submit a mail fraud complaint form with the U.S. Postal Inspection Service.
Be Smart. Protect Yourself from Identity Theft
The following information is designed to safeguard your financial information.
Credit 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 be minimized.

Tips for protecting yourself against credit card fraud

  1. Keep a list of all your credit cards including the account number and phone number to the issuing company.
  2. Review your credit card statement as soon as possible. Match charges with your receipts to ensure all charges are yours and are for the correct amount.
  3. Always sign a new credit card immediately.
  4. When making a purchase with a credit card, make sure you get the card back and the receipt. Check the receipt for accuracy.
  5. 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.
  6. Never sign blank credit card receipts.
  7. Only travel with the credit cards you plan on using.
  8. Never give the account number of the credit card over the phone unless you initiate the call.
  9. 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 scanners.
  10. Do not write the PIN for the account on the card.
  11. To report a lost or stolen card please call 269-966-3900 during normal business hours or
    800-991-4961 after hours
Identity Theft Protection

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 identity theft

  1. Check your credit report on a regular basis to ensure the information is correct.
  2. Immediately tear up (using a shredder is even better!) unsolicited credit card offers.
  3. Never give personal information over the phone unless you initiated the phone call.
  4. Never give a credit card number over the phone unless you have initiated the phone call.
  5. Always be familiar with financial accounts that you currently maintain. Verify statements and other information sent by your financial institution for accuracy.
Check 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

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. Be discreet when writing checks in public places. Write your checks carefully and leave no space in which figures or words can be inserted.
  6. 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.
  7. If your checks are lost or stolen, report it immediately to your financial institution.
  8. 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.
  9. 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.
  10. Consider alternatives to check writing. For instance, paying by phone, online, or setting up automatic payments. Fewer checks mean fewer theft opportunities.
ATM Fraud Protection

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

  1. 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.
  2. 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 try.
  3. 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.
  4. 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, remote locations.
  5. Always make sure to retrieve your ATM card from the machine when the transaction is complete.
  6. Be aware of the person behind you. Make sure no one can see you entering your PIN or how much money you withdraw.
  7. Review your statement promptly to ensure all transactions are accurate. Report any discrepancies immediately.
  8. Destroy old ATM cards immediately after receiving your replacement cards.
  9. To report a lost or stolen ATM/ Debit Mastercard, within the United States please call    1-888-241-2510

ATM Scams
In 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 your accounts.

Precautions to take for countering these scams:
  1. Before inserting your ATM card into an ATM inspect the card slot for any residue.
  2. 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.
  3. 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 your case.

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 number.

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.

Internet Security Tips
  • 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 toolbar.
  • 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
Phone Security Tips
  • Never give your personal information over the phone.  If you feel a call is suspicious, call the company directly to verify the authenticity of the call.
  • Beware of organizations asking for charitable donations.  If you want to donate money, contact the organizations yourself to make sure that your money is going to the appropriate place.

Your 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.
  ©Copyright 2014, Post Community Credit Union.
All Rights Reserved.
icon              Routing Number: 272476763
National Credit Union Administration Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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