Seattle Credit Union is dedicated to protecting your private information and making sure that you know the best ways to keep your money and your data as safe as possible. Being aware of potential risks can be a powerful first step in reducing your exposure.
For more information about these and other current scams, please visit www.onguardonline.gov
ATM SECURITY TIPS:
ATMs can be subject to fraud, vandalism, and burglary. They can also be the scene of robberies. Consider the following tips when using an ATM:
ATM SKIMMING SECURITY TIPS: Skimming is a method of obtaining personal data from ATM, debit, or credit cards while they are used at an ATM machine or a merchant location. People can alter equipment on legitimate ATMs in an effort to steal both the magnetic stripe data from the cards being used and the PINs that are assigned to those cards.
More recent technology allows the culprit to remain nearby receiving the information wirelessly from equipment they installed on the ATM. The thieves can then copy the cards and use the PIN numbers to withdraw money from many accounts in a very short time directly from an ATM.
Please note: The following examples refer to ATMs, but similar devices may also be placed on card readers at gas station pumps.
Equipment is installed on the front of the original ATM card slot. The false slot holds an additional card reader called a "skimmer." The skimmer captures and copies the card information.
Then a camera that reads the card PIN is housed in an innocent looking pamphlet holder. The camera inside pamphlet holder is angled to view monitor and keypad.
What can you do to protect yourself?
Be vigilant and inspect the ATM before using it. Skimming devices that are placed on or near the ATM's actual card reader are often difficult to detect, but if anything about the card reader or PIN pad looks different, unusual or seems loose to the touch, don't use it. If possible, report this to Seattle Credit Union or the owner of the ATM as soon as possible.
What if a skimming device is found on a Seattle Credit Union ATM?
If you suspect a skimming device has been place on a Seattle Credit Union ATM, do not use it or try to remove the device. Speak to branch personnel as quickly as possible or call our Contact Center at 206.398.5500.
PHISHING SECURITY TIPS:
Phishing is a technique that uses fake emails or fraudulent websites to gain personal information for purposes of identity theft. The fraudulent email messages and/or websites are designed to trick recipients into divulging personal financial data such as credit card numbers, online banking login credentials, social security numbers, etc.
Sometimes, phishers will create a fake website that looks legitimate and attach a link to the fake website in an email. Unsuspecting recipients that click on this link will find that the website that opens up that resembles the correct website. However, the computer user does not know that they have been redirected to a fake website which can be designed to collect personal information (such as account numbers and social security numbers.)
Don’t fall for these scams:
Visa® card number security is of the highest importance to Seattle Credit Union. When security breaches occur within companies that process credit and debit transactions for merchants, Seattle Credit Union will reissue affected cards as soon as possible. Seattle Credit Union is notified by VISA® USA as to the time of the security breach and the specific card numbers that were compromised. Those cards that we have been notified about will be replaced and Seattle Credit Union members will receive their new Visa® Credit or Debit cards in the mail. Per Visa® policy, members are not responsible for any fraudulent charges.
ATM/Debit Lost/Stolen Card: 800.472.3272
ATM/Debit Lost/Stolen Card (after hours): 800.472.3272
Credit Card Inquiries/Disputes/Lost/Stolen Card: 855.609.3580