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Fraud & Identity Theft Help


How We Help Protect You

SCCU is committed to keeping your accounts and personal information secure. We have a number of security measures in place to help protect you, including industry-standard technologies such as usernames and passwords, encryption and firewalls.   We do not sell or share your private information with unaffiliated businesses.

Because protecting your accounts and identity is a partnership, this page provides some additional information about common scams, steps you can take to protect yourself against fraud, and what to do in the event that you experience fraud. You should notify the Member Service Center if you plan on traveling, or will be conducting transactions that are out of the ordinary from your usual transactions. In addition, it is essential to keep your contact information, telephone plus area code, up to date so we can contact you immediately, when necessary.

  • The top actions YOU can take are listed on the right side of this page.   
  • The “Latest Alert” button above will link you to information about recent frauds reported to SCCU.  
  • The links below provide examples of specific fraud issues and steps to take if it should become necessary.
Protecting yourself against fraud does not require a great deal of effort, but it does require awareness and caution.

1. How Identity Theft Works
2. What to do if Identity Theft Happens to You
3. Quick Tips to Help Protect Yourself
4.
Phishing email Scams
5. Vishing phone scams
6. Common Account Scams
7. Examples of Current Scams and Other Fraud
8. Deceptive Mail Offers
9. How to Report Mail Fraud
10. Tips for Safe Banking Over the Internet
11. Cyber Security Tips



How Identity Theft Works

Identity theft is a serious crime where people try to obtain and illegally use your personal or financial information for their own gain, like your name, address, date of birth, Social Security number, bank account numbers and PINs, and credit and debit card numbers.

Here are just a few ways in which thieves might obtain your identity:

  • Search your trash – it’s called “dumpster diving.”
  • Intercept your mail
  • Steal your wallet or purse
  • Get information directly from you by posing as telemarketers or as someone claiming to be from a legitimate business, like a financial institution or credit card company. They even use fake e-mails and Web sites to try and obtain information from you.
    Learn More
At fakechecks.org, you can find out more about common scams and how to prevent yourself from scammers and identity thieves.

What to do if Identity Theft Happens to You
Here is a government site with step-by-step instructions to help you regain your identity.
Learn More

Phishing email Scams
The number of “phishing” scams that are delivered through spam Email and pop-up windows is increasing, as well as their cleverness at deception. Scammers send out millions of “urgent” e-mail messages or links to the Web sites that are set up to appear as if they are from reputable and trusted businesses, like a financial institution or credit card company, trying to get you to provide your personal, financial or other account information. The e-mails and Web links go as far as using the logo of the legitimate company, and the pages look very much like the real company sites.
Learn More

Quick Tips to Help Protect Yourself
Here are some tips to help you keep your personal information safe and reduce your risk of becoming a victim of identity theft.
Learn More

"Vishing" phone scams
SCCU would like to make you aware of the latest twists scammers are using to commit identity theft: “vishing” (short for “voice phishing”), customer survey phishing, and the jury duty scam. The scenarios may vary, but these scams always involve a request for your account information. Do not respond to these requests or any other unsolicited requests for personal or account information.
Learn More

Common Account Scams Involving Contests/Lotteries (“You’ve Won!”) and Check Cashing Requests
One of the most common account scams is the “Contest Winner.” Potential victims are contacted and told they have won a contest or lottery. But, in order to claim their prize, they are told they must send a certain amount of money (described as a tax), or provide account information so a direct deposit can be made. If you give out your account information, you’re giving the scammer what he / she needs to withdraw funds from your account. Some scammers will go as far as to send a bogus cashier’s check or money order as your “prize.” The scenario varies, but account scams always involve a request for money. No legitimate prize venue would ever ask you for money in order to collect your prize. Do not respond to these requests, or any other unsolicited requests for personal or account information.
Learn More

Examples of Current Scams and Other Fraud

Deceptive Mail Offers  
Misleading mail solicitations come in many forms.
Learn More

How to Report Mail Fraud
If you receive a fraudulent or misleading offer by mail, or if a company failed to deliver an item you purchased, you may report it to:
U.S. Postal Inspection Service – Mail Fraud Division
http://www.usps.com/postalinspectors/fraud/welcome.htm

Tips for Safe Banking Over the Internet
The National Credit Union Administration (NCUA) offers some safety tips and information that can help you avoid costly surprises or scams.
Learn More

Cyber Security Tips
The U.S. Computer Emergency Readiness Team (US-CERT) offers a series of tips and advice on how to protect your computer from security threats.

Learn More

Top Fraud Tips
Make sure SCCU has your current contact information, including daytime phone number.  To verify your information, log on to Online Banking.  Click on the “Additional Services” tab.  Open the “Personal Information” box.  Make any updates and submit.
 

NEVER respond to emails or phone calls asking for account numbers or other personal information.

 
Do not put your Social Security or Driver’s License number on your checks.
 
Eliminate personal information from your mailbox by cancelling your paper statements. Log on to Online Banking
 
Always review your monthly statements.  Report any suspicious charges or activity.  View statements online
 
Reduce the number of credit cards you carry; just one or two are sufficient for every day use. Learn more about SCCU credit cards
 


Corporate Headquarters: Space Coast Credit Union 8045 N. Wickham Road Melbourne, Florida 32940
PH: 321.752.2222 • TF: 800.447.7228
SCCU © 1996 - 2008 Space Coast Credit Union is federally insured by National Credit Union Administration.
SCCU © 1996 - 2008