Security

Sun Community Federal Credit Union priority is the security of member’s personal information.  With security threats and vulnerabilities appearing continuously it is important that members ensure that their personal information remains secure.

Sun Community Federal Credit Union is providing a few helpful tips to help member’s spot scams and guard against fraud.

Device Safety

Devices used to connect to the internet may contain personal information about you.  To help protect yourself install or turn on the following features on your computer, laptop, tablet, phone or other device:

  • Ensure that your device is using Anti-virus\spyware and malware from a known software provider. Ensure that it automatically updates regularly and the device is scanned often.
  • Security Patches and System Updates - Regularly install security patches and system updates on your device or it can be left vulnerable to the latest threats.
  • Online banking activities and viewing or downloading documents should be conducted using a secure Internet connection in a private location.
  • Use your device security features by setting username, password or pin to prevent unauthorized access.
  • Contact carrier and disable mobile device if lost or stolen immediately
  • Use trusted sources to download and install  "apps" only
  • Avoid using public Wi-Fi hot spots or other shared computers to access your financial accounts online.
  • Change default passwords on devices like your home wireless router and enable firewall and security settings.
  • Avoid jailbreaking device to disable security features.

Phishing

Phishing is a scam with criminal purpose to steal personal information to use for fraudulent intent.

Email Phishing

Email appears to come from a trusted source with link to a spoofed web site. The spoofed web site will look like the normal trusted source web site. You will be asked to input or verify personal information on the spoofed web site for security or other purposes.

Voice Phishing

You receive a phone call asking to confirm personal information to protect you for various reasons. The only different from email phishing this is completed over the phone.

Text Message

You may receive a text message with a link to a spoofed web site or a phone number to call. The criminal will be looking to harvest your personal information.

Actions

If you get a suspicious text message, phone call or e-mail, do not respond or click on any links. Instead, call the sender using a phone number you trust, such as the one on your statement.

  • If you receive a Phishing attempt about winning the lottery, a prize or service that you knew nothing about do not click on any links.
  • Monitor your accounts for any suspicious transactions and consider requesting your credit report.
  • It is important to report any suspicious activity to Sun Community Federal Credit Union. You may not only be helping yourself but others by doing so.
  • If you believe that your account is compromised stop online activities that involve login IDs, passwords, or other sensitive personal information and contact account vendors.

Malware

Malware is a program that may contain viruses, worms, spyware, trojans or turn your device into part of a botnet. Criminals will hide the malware, so that you download it from web sites, emails or get it from removal media. The malware can be used to steal personal information, control devices or send spam.

Malware can change device behavior like:

  • Display wrong web pages
  • Send emails you know nothing about
  • Device slows down or behaves strangely

Avoid malware getting on to your device with the following:

  • Ensure that your device is using Anti-virus\spyware and malware from a known software provider. Ensure that it automatically updates regularly and the device is scanned often.
  • Security Patches and System Updates - Regularly install security patches and system updates on your device. Don’t use an out of date browser.
  • Use Internet Security applications to scan emails and downloads

Actions

  • Don't click on a link in an e-mail or open an attachment unless you know who sent it and what it is.
  • Delete all unwanted and unsolicited messages without opening them.
  • Only share files from trusted sources.
  • Run Anti-virus\spyware and malware application with most update versions.
  • It is important to report any suspicious activity to Sun Community Federal Credit Union. You may not only be helping yourself but others by doing so.
  • If you believe that your account is compromised stop online activities that involve login IDs, passwords, or other sensitive personal information and contact account vendors.
  • Monitor your accounts for any suspicious transactions and consider requesting your credit report.

Passwords

Your password with your login ID allows access to the Online and Mobile banking. Use a combination of letters, numbers and special characters to make the password harder to guess.  A password phase (Richard0fYorKd1db@ttle1nv@1n)maybe easier to remember.

Avoid predictable or easily guessed passwords like your nickname, street address or favorite thing.

Don’t share your password and change regularly and if you think a password may have been compromised, change it immediately. Don't use the same password for each online account you access. Your online banking login ID or password should never be used at another site.

Useful links

Identity Theft

What is identity theft?

Identity theft occurs when a person uses your personal information and pretends to be you to access money, credit, medical care, and other benefits. Personal information may include: Government ID numbers, bank account numbers, social security, dates of birth, addresses and more.

How do I know if my identity has been stolen?

There are many signs that should trigger you to suspect that your identity might be stolen. Here are a few situations we consider to be Red Flags:

  • You receive a bill for a credit card amount that is not yours even though it is under your name.
  • Unfamiliar purchases on your bank/credit card statement. Small unfamiliar purchases are also red flags. Thieves often times start with small purchases and eventually escalate in amount.
  • You receive a new store card without having applied for one. If this happens to you, immediately contact the card company.
  • Your credit report has suspicious requests for credit that you didn’t make.
  • Your credit score is high when you last checked it, but you get denied for a loan.

What can identity thieves do with my personal information?

Identity thieves can do a lot of damage with your identity including clearing your bank account, applying for credit cards, impersonating you in order to get a job, opening a new bank account and much more.

What are some things I can do to protect my Identity?

Be careful when sharing your personal information online or in person.

  • Limit the information you share through social media.
  • If you feel uneasy about a company who requested your personal information do not give it to them.
  • Be careful when clicking on links or opening email attachments.
  • Do not use public wireless networks to check your bank accounts.
  • Make sure all your computer/mobile security software is up to date.
  • Shred all documents with sensitive information. Ex: Credit card numbers, account numbers, social security, etc.
  • Routinely check your bank statements.

If my identity is stolen, what should I do?

Gather and organize all documents needed and follow the initial steps.

  • Contact your bank and credit card companies and notify them of fraudulent activity.
  • Check with credit reference agencies (Equifax, Experian, TransUnion) and ask them to set up a fraud alert.
  • File an identity theft report with your local law enforcement agency.
  • Keep track of all conversations and paperwork throughout the case.

Debit/Credit card fraud

If fraud occurs on my account, what should I do?

Visit one of our Sun Community branches or contact our call center at 760-337-4200 so we can take appropriate actions depending on what type of fraud occurred.

How can I report a lost or stolen Mastercard Debit/Credit card?

Contact us at 760-337-4200 as soon as possible to cancel and block your card.

What should I do if I need to dispute a transaction on my account?

Please visit one of our Sun Community branches and speak with a member representative to submit a dispute.

How was my Mastercard Credit/Debit card used fraudulently when I have it in my possession?

There are many ways your credit card number may have been obtained that is out of your control as well as ours. Some possibilities may include:

  • Using the card online in a website that has been hacked
  • Using your card in stores with security vulnerabilities
  • Using your card at an illegally modified ATM.

The best thing you can do is review your transaction history regularly and report any unfamiliar purchases.

How can I protect myself against credit/debit card fraud?

  • Always be aware of where you are using your card.
  • Always check free-standing ATMs for any unusual mechanisms around the card swipe area.
  • Always be aware of the security standards of a website before purchasing an item online.
  • Always have your card with you and always know where it is. Never write your PIN on your card or carry the written PIN with you.
  • Keep an eye on your transactions through your online banking account.

Please contact us today if you have any questions at 760-337-4200.