Nationally, card fraud increased 44% over the last year.
The best way to protect yourself against fraud is to prevent it in the first place! We have two useful tools to help you secure your debit and credit cards as well as monitor them for any fraudulent activity.
SecurLOCK Equip
All One CU debit and credit cardholders can control how, when and where their debit and credit cards are used. Prevent fraud. Control Spending. Review transactions. With SecurLOCK Equip, we put peace of mind in the palm of your hand!
Find Out MoreMobile Wallet
At One CU you can carry your credit and debit cards in a secure digital form on your mobile device. Apple Pay, Samsung Wallet and Google Wallet are all supported.
Find Out MoreWhat are the most common forms of credit and debit card fraud?
Skimming
Skimming is when fraudsters get your card information through use of a card skimmer when you conduct transactions at point of sale, ATMs, and the gas pump. Once your card information is captured, it's then used by fraudsters to make fake cards.
Phone Spoofing
Phone spoofing is when a fraudster tricks your phone's caller ID into showing a different, more familiar phone number. The fraudster will call and try to trick you into giving out personal information. One CU will never call you and ask for this information.
Text & Email Spoofing
Text or email spoofing is when someone uses an email address, name, phone number, or website, often changed by just one letter, symbol, or number—to convince you that you are interacting with a trusted source. This is very common and difficult to spot.
How do I prevent skimming?
For a card to be skimmed, it needs to have physical contact with the skimmer device that is secretly hidden on the card terminal. To prevent a skimmer from getting your card info, use a contactless method, such as paying with your phone through Mobile Wallet. To increase security even further, use an app like SecurLOCK Equip to monitor activity on your cards.
How does a Mobile Wallet work? Check it out!
What if I get a spoofed call?
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Never answer numbers you don't know.
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Do not enter your phone number(s) into any online forms for contests or drawings.
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If you do answer an unknown number, never give out personal information.
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If you answer the phone and the caller - or a recording - asks you to hit a button to stop getting the calls, you should just hang up. Scammers often use this trick to identify potential targets.
Signs of a fraudulent text or email:
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The text or email comes from a number or email address you don’t recognize.
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Generic greetings, like “Dear Customer.”
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Spelling or grammatical errors.
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It creates a sense of urgency to take action immediately.
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The communication asks for sensitive information, like account numbers or log in information.
View the FBI's most recent Fraud Alert here!