Online Security & Fraud Prevention Resources
Box Elder Credit Union is committed to protecting your financial and personal information. In addition to using the most recent technology to safeguard your personal information and privacy, we want to give you tools and information to protect yourself and your family from becoming victims of fraud. This page is constantly being updated with the latest information and alerts about fraudulent activity.
Box Elder Credit Union will never contact you and ask for your account number or PIN over the phone, via email, text message, or any other channel. If you are asked for this information via phone, email, or text message it is a scam.
If you think you may have been a victim of fraud contact us immediately.
Important Security Tips & Info
Identity theft occurs when someone uses your name, Social Security Number, credit card, or other identifying information to commit financial fraud.
There are a host of other destructive Internet frauds and scams being perpetrated, the most common of which is called phishing. Phishing (pronounced fishing) attacks use fake text messages, e-mails and fraudulent websites to trick recipients into divulging personal financial data, such as credit card numbers, account usernames and passwords, and Social Security data.
Although Online Banking and e-commerce is very safe, you should always be cautious with your personal financial information. Here are some simple steps you can follow to protect yourself.
- Do not divulge your PIN (personal identification number) or Online Banking password to anyone.
- Cancel your paper statement and receive it online to avoid problems associated with traditional mailings.
- Review your statements frequently and report any unusual activity immediately.
- Enroll in free bill pay to keep payment information secure and private.
- Do not offer personal or confidential information via unsecured e-mail or over the telephone. Remember, Box Elder Credit Union will never contact you and ask for your account number, PIN, or online banking password over the phone, email, text message, or by any other channel.
- Be suspicious of any e-mail with urgent requests for personal financial information.
- Forward any suspicious e-mail regarding your Box Elder Credit Union account to firstname.lastname@example.org. Remember to include the entire e-mail with its original header intact.
- Don’t click on the links in an e-mail if you suspect the message might not be authentic.
- Avoid filling out forms in e-mail messages that ask for personal financial information.
- Use complex passwords. Avoid using your mother’s maiden name, your birthdate, the last four digits of your Social Security Number, or your phone number. Compose alpha and numeric passwords whenever possible.
Always report phishing e-mails to the following groups:
- Always report lost or stolen cards immediately.
- Never write your PIN on your ATM, check, or credit card. Keep your PIN and cards separate.
- Learn the importance of ATM safety.
- Use Direct Deposit and have your paycheck automatically and safely deposited to your Box Elder Credit Union account.
- Order a copy of your credit report. Make sure it’s accurate and includes only those activities you’ve authorized.
- Be wary of promotional scams.
- Pay attention to your billing cycles. Follow up with creditors if your bills don’t arrive on time.
- Safeguard or destroy receipts and other documents containing account information.
- Guard your mail and trash from theft. Deposit outgoing mail at your local US Post Office and promptly remove all materials from your mailbox. If you’re planning to be away from home, call 1-800-275-8777 to request a vacation hold.
- When ordering checks, do not have your Social Security or driver’s license numbers printed on them. Present your ID each time you pass a check.
- Destroy pre-screened credit card offers you receive in the mail. To opt out of receiving these, call 1-888-567-8688.
- Secure personal information in your home, especially if you have roommates, employ outside help, or are having service work done. Use shredders routinely
Victims in Utah can visit http://www.idtheft.utah.gov/ to report identity theft to local authorities.
The Federal Trade Commission (FTC) recommends the following if you feel you’re a victim of identity theft:
- Contact the fraud department of one of the three major credit bureaus to place an alert on your file. Creditors will then contact you before opening new accounts or making changes to your existing ones. As soon as one credit bureau confirms the alert, the other two will automatically place the same order, and all three reports will be sent to you free of charge.
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- Close any accounts that have been tampered with or opened fraudulently. Use an ID theft affidavit to dispute unauthorized charges.
- File a police report. Submit a copy to your creditors and others requiring proof of the crime.
- File your compliant with the FTC. The FTC maintains a database of identity theft cases, which is used by law enforcement agencies for investigations. Filing a complaint also helps the FTC learn more about identity theft and problems victims are having. For additional help and information, please visithttp://www.ftc.gov/bcp/edu/microsites/idtheft/.
Box Elder County Credit Union uses firewalls and routers to block unauthorized access to our networks and computer virus protection to detect and prevent computer viruses from entering the Credit Union’s systems. We also use encryption technology such as Secure Sockets Layer (SSL) to keep your information safe. Our SSL technology is certified with a secure certificate from VeriSign, the leading “seal of approval” for online authentication services. This helps to provide online security that conforms to the highest standards available.
Online Banking Security: All transactions you complete are protected from unauthorized access by a method called encryption. Encryption is a technique of coding information using random mathematical keys so that only you and Box Elder Credit Union can readily unscramble the information. New keys are created each time you log in to Online Banking and are destroyed when you log out. We use strong, industry-leading 128-bit encryption SSL encryption. To be able to log in, you will need a browser that supports 128-bit encryption, such as Internet Explorer 7 or above or Firefox 3 or above.
If you leave your computer or forget to log out when you have finished a session, you will be automatically timed out after several minutes of no activity.
Fraud Monitoring Service
About Fraud Monitoring Services
Box Elder Credit Union contracts with a Risk Management Group which uses an intelligent risk management system that monitors, detects, and prevents on-going credit, debit & ATM card fraud. Accounts are evaluated on an individual basis 24/7 for activity that may indicate your card is being used fraudulently. Learn More
www.fakechecks.org There is no legitimate reason why anyone would give you a check or money order and ask you to wire money anywhere in return. Take a look at this site for videos and information on current scams.
OnGuard Online is a government resource that provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information.
The FBI provides an ongoing list of telephone, email and mail fraud. This site can give you helpful information on current scams affecting the United States.
The Utah Attorney General’s Office provides information on current scams that are affecting Utah. It also provides information and tools for restoring your credit and identity if you have been a victim of fraud.http://www.idtheft.utah.gov/
www.protectyouridnow.org is a website which provides resources to help you protect your identity, as well as information for those who are a victim of identity theft.