If you get an SMS message supposedly from Altana about a fraud alert, be wary.
The scheme tries to scare you into believing the scammers are representatives of your credit union. An automated SMS message will appear on your phone, claiming to be a fraud alert from a financial institution. It’ll then ask if you recently made an instant payment in the thousands of dollars.
- Don’t click on the link or call the number on the text.
- Do not respond to the text. Even writing STOP will let the scammer know your number is genuine.
- If a call or text is received regarding possible fraud or unauthorized transfers, do not respond directly, immediately hang up.
- Never click on links provided in unsolicited text messages or emails.
- The best way to protect yourself is to say, “Let me call you right back,” and then call the credit union yourself.
- Never answer any questions from a random call from anybody.
- Do not post sensitive information online.
- Keep an eye out for misspelled words which are used to bypass a phone carrier’s filter system for fraud.
Defend Your Data
The Federal Trade Commission data shows that in 2022 consumers lost nearly $8.8 billion to fraud. Read more on this and how the FTC works to protect consumers. Shield your sensitive data and finances from scammers using the following tools and resources:
- Sign up for the National Do Not Call Registry.
- File a complaint with the FCC when you get suspicious, fraudulent phone calls.
- Report cyber crimes to the Internet Crime Complaint Center.
We will never ask for personal information over the phone, by text or email. If you are ever concerned, call us at 406-651-AFCU Option 1.
Stay Alert and Informed
Here are some great resources for you to arm yourself with. Learning about fraud and scams is a powerful tool to prevent becoming a victim of fraud.
- AARP scams & fraud articles worth checking out.
- Learn about different types of scams and what to do if you do become a victim of fraud.
- Stay in the know by visiting the Federal Bureau of Investigation.
- Read about key issues that the United States Secret Service combats.
Carelessness Can Cost You
Avoid identity theft by shredding receipts.
- Shred all credit offers, receipts, insurance forms, financial statements.
- Check financial statements monthly for discrepancies.
- Monitor your credit report (for free in online banking) for inaccuracies and report any errors.
- Don’t print your Social Security number on your checks.
- Be hesitant about giving personal or financial info over the phone.
Keep on learning here
Online Banking Security
Lock down your info. Think Area 51.
To identify a fake email, look for these tell-tale signs:
- A fishy email address that’s overly long, has grammar and spelling mistakes.
- A suspicious link to your account: Never click on a link in an email.
- Your gut reaction: If it sounds too good to be true—it probably is.
- A generic salutation: Does the email begin with “Dear Customer”?
Be alert when using ATMs
Here’s some how to tips:
- Lock your car and keep all windows up except the one you’re using.
- Be alert for anything suspicious, especially if using an ATM after dark.
- Don’t write your code on your card.
- Report all ATM crimes to the local Police by calling 911.
When getting gas or using your debit and credit card in busy places, make sure to protect your pin number.
Guard yourself against Identity Theft
With the rise of e-crimes, it’s important to take steps to guard yourself against identity theft. From browsing tips to programs available and warning signs, we’ve compiled a list of steps to take that successfully decrease your chances of falling victim to a scammer. Read more
It’s important to guard your social security number to avoid scammers getting ahold of this valuable piece of information. Store your social security card in a safe spot, only provide the last four numbers when asked to provide your social security number and remove it from checks.
