保护你的钱和你自己免受欺诈。

• 我们鼓励所有会员定期检查他们的账户交易，看看有没有他们不认识的活动，包括欺诈性存款。
• 这些存款往往在欺诈者已经提取后被当作假币退回，让你负责这笔钱。
• 如果您发现可疑的交易，请立即通知ACFCU潜在的欺诈行为以保护自己。

盗刷行为从信用卡或借记卡上捕捉磁性信息，并将其用于欺诈目的。为了帮助防止你的卡被盗刷。

• 不要使用看起来被篡改过的ATM机或信用卡机器。
• 当你在自动取款机或信贷机上输入密码时，用手保护你的密码。

网络钓鱼骗局包括 "欺骗性 "电子邮件和欺诈性网站，它们看起来好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 "你的个人隐私信息（密码、信用卡号码、账户号码等）。为了避免网络钓鱼。

• 在使用互联网和回应电话招揽时要小心谨慎。
• 对任何标有紧急请求并要求提供个人信息的电子邮件都要加以怀疑。
• 不要点击你不确定是否真实的电子邮件中的链接。
• 寻找 "http://" 在提供你的借记卡或信用卡信息时，出现在网址前面。
• 定期审查你的报表。
• 对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要持怀疑态度。
• 在你的电脑上安装防火墙和反间谍软件。
• 定期更新你的浏览器的安全补丁。

SMiShing是 "SMS"（发短信的技术术语）和 "网络钓鱼 "的结合，利用短信促使个人向 "SMiSher "提供其个人隐私信息。为了避免SMiShing。

• 千万不要回复要求提供个人、隐私信息的短信。如果发现你的账户有可疑的活动，我们会打电话或发短信，你可以按照指示回答有关你最近的卡片活动的问题。

身份盗窃是美国增长最快的犯罪，发生在有人盗取别人的个人隐私信息，然后假装是那个人。尽量减少你的身份盗窃的风险。

• 除非是你发起的交易，否则千万不要通过电话/互联网提供个人信息。
• 不要在你的钱包里携带你的社会安全卡。
• 将你随身携带的所有卡片和资料复印（正面和背面），以防钱包被盗，并将其保存在一个安全的地方。
• 立即销毁所有未使用的预先批准的信用卡优惠。
• 每天及时从你的邮箱中取出邮件，如果你计划长时间不在城里，请邮局保管你的邮件，直到你回来。
• 每年检查你的免费信用报告，以确保所有信息的准确性。

Be mindful of the information you share on social media platforms. Cybercriminals often use personal details gathered from your profiles to target you and even your family members.

Stay vigilant against phishing attempts by verifying the legitimacy of unexpected links in emails or messages, 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, it’s best to end the call and independently contact the company using a trusted number to verify the authenticity of the call.

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

If you receive unsolicited calls requesting sensitive information such as bank account details, 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, significantly reducing the risk of unauthorized access and safeguarding your sensitive information from potential security threats.

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. Compare receipts with the information on your statements to detect any unauthorized transactions promptly.

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 或 移动银行.
2. For mobile, click the “更多” 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 “交易” and set your preferences in the window that opens.
6. Set your dollar amount 和 delivery method. You can get a text, email or push notification, or all three!
7. Click 拯救.

Obtain and review your credit reports from major credit bureaus at least once a year. Ensure there are no suspicious activities or errors that could negatively affect your credit score.

If you suspect your identify has been stolen, consider freezing your credit files with Equifax, 益百利公司, Innovis, or 环联公司. 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.