Protect your money and yourself against fraud.

• 我们鼓励我们所有的会员定期检查他们的账户交易活动，他们不认识, including fraudulent deposits.
• 这些存款通常在骗子已经取出后被当作假钞退回, leaving you responsible for that amount.
• If you find a suspicious transaction, immediately notify ACFCU for potential fraud to protect yourself.

略读从信用卡或借记卡中获取磁性信息，并将其用于欺诈目的. To help prevent your card from being skimmed:

• Don’t use an ATM or credit card machine that looks tampered with.
• Protect your PIN with your hand when you enter it into an ATM or credit machine.

网络钓鱼诈骗包括“欺骗”电子邮件和欺诈性网站，它们看起来像是由你已经认识的人或组织发送的，并要求你提供或“验证”你的个人信息, private information (passwords, credit card numbers, account numbers, etc.). To avoid phishing:

• Be cautious when using the internet and responding to telephone solicitations.
• 对任何标记为紧急请求并要求提供个人信息的电子邮件都要保持警惕.
• Do not click on the links in an email you’re unsure is authentic.
• Look for “http://” to appear in front of a web address when giving your debit or credit card info.
• Review your statements regularly.
• 要怀疑那些声称来自你的金融机构并要求你提供信息的电子邮件.
• Install a firewall and anti-spyware on your computer.
• Update your browser with security patches regularly.

SMiShing, a combination of “SMS”, the technical term for texting, and “phishing,” uses text messages to prompt individuals to provide the “SMiSher” with their personal, private information. To avoid SMiShing:

• NEVER respond to text messages requesting personal, private information. If suspicious activity has been detected on your account, 我们将打电话或发短信，您可以按照说明回答有关您最近信用卡活动的问题.

Identity theft, the fastest-growing crime in the country, occurs when someone steals someone else’s personal, private information and then pretends to be that person. Minimize your risk of identity theft:

• 除非是你发起的交易，否则不要在电话或互联网上提供个人信息.
• Do NOT carry your social security card in your wallet.
• 把你随身携带的所有卡片和信息(正面和背面)都复印一份，以防钱包被盗，并将它们保存在安全的地方.
• Destroy all unused preapproved credit card offers immediately.
• 如果你打算长时间不在城里，每天都要及时把邮件从邮箱里取出来，并要求邮局把你的邮件保存到你回来.
• Check your FREE credit report annually to ensure all information is accurate.

Be mindful of the information you share on social media platforms. 网络罪犯经常利用从你的档案中收集的个人信息来攻击你，甚至你的家人.

通过验证电子邮件或消息中意外链接的合法性，对网络钓鱼尝试保持警惕, as these scams aim to exploit trust and compromise your online security. If you receive a call from someone claiming to be from a trusted company, even if the caller ID seems legitimate, 最好是结束电话，并使用可信号码独立联系该公司，以验证电话的真实性.

Your SSN is a precious piece of information. Only disclose it when absolutely necessary and to trusted entities.

如果您收到不请自来的电话，要求提供敏感信息，如银行账户详细信息, SSNs, birthdates, or any other personal data, hang up immediately. Legitimate organizations won’t ask for such information without a valid reason.

Enabling MFA on your accounts is crucial in securing your digital presence, 大大降低未经授权访问的风险，并保护您的敏感信息免受潜在的安全威胁.

Pay close attention to your billing cycles. If you notice that bills or financial statements are delayed, contact the sender to verify the situation.

Regularly review your credit card and bank account statements. 将收据与账单上的信息进行比对，及时发现任何未经授权的交易.

Dispose of sensitive documents such as receipts, credit offers, account statements, and expired credit cards by shredding them. This helps prevent identity theft, especially from people rummaging through trash.

By signing up for these alerts, you’ll immediately be made aware of any suspicious activity associated with your accounts. Staying aware of account activity is important, particularly if there’s fraud.

Here are the steps to set up alerts on your account:

1. Login to Online or Mobile Banking.
2. For mobile, click the “More” menu at the bottom of the screen.
3. Click on “Notifications” and “Alerts”.
4. Select the account for which you want to set up an alert.
5. Click the toggle button for “Transactions” and set your preferences in the window that opens.
6. Set your dollar amount and delivery method. You can get a text, email or push notification, or all three!
7. Click Save.

Obtain and review your credit reports from major credit bureaus at least once a year. 确保没有可能对你的信用评分产生负面影响的可疑活动或错误.

If you suspect your identify has been stolen, consider freezing your credit files with Equifax, Experian, Innovis, or TransUnion. Freezing your credit can help prevent unauthorized access to your credit history, making it more difficult for identity thieves to open accounts in your name.