Important information to help keep your financial information secure.

ATM Skimming

Skimming is an illegal activity that involves the installation of a device on the ATM. The devices planted on ATMs are usually undetectable by users-the makers of this equipment have become very adept at creating them, often from plastic or plaster, so that they blend right into the ATM’s facade. Customers insert their ATM card into the phony reader, and their account info is swiped and stored on a small attached laptop or cell phone or sent wirelessly to the criminals waiting nearby.

Debit Card Safety

  • Memorize your Personal Identification Number (PIN). Never write it on your card.
  • Never discuss your account balance with anyone, or give information about your account or PIN over the phone.
  • Never allow anyone to use your card or PIN.
  • Don’t withdraw money for any “official” person. No credit union representative, auditor or police officer will ever ask you to withdraw money from an ATM for any reason.
  • Keep your receipts and verify each transaction against your statement. Notify us immediately of any unexplained ATM or debit card transactions.
  • Have someone come with you when using an ATM at night. Choose a well lit ATM and park close.
  • If someone is using the ATM, stand back to allow for privacy.
  • Fill out all forms beforehand and have your card ready when you approach the ATM.
  • Stand directly in front of the ATM or POS terminal so no one sees you enter your PIN.
  • If anything or anyone seems suspicious while using the ATM, cancel your transaction and return later.
  • Leave the area before counting your money. If followed after leaving the ATM, go to a crowded public area.
  • Keep your card in a safe place; never leave it in your car, luggage or hotel room.

Credit Card Fraud

New credit card scams have surfaced recently that target credit card customers by phone and email. One involves fraudsters posing as Mastercard or Visa Security Fraud Department employees. The fraudster asks a series of questions to extract personal cardholder information, such as the three–digit card validation code imprinted on your card’s rear signature panel.

In some cases, the caller has already secured some account data, such as the cardholder’s name, number and card expiration date, and is seeking enough additional information to make fraudulent purchases on the Internet.

To prevent credit card fraud, never disclose any account information to someone you do not know–not over the phone, not by email. Prevention is the key to safety. Monitor the transactions on your credit card statements carefully and contact the credit card company immediately if you notice anything suspicious.

Identity Theft

Arm Yourself With Knowledge; Deter Identity Theft

Utilize the Identity Theft Resources for news and updates on identity theft. Find information here on tips to protect yourself, recent data breaches, new scams, updates on statistics and more. Search our extensive database for information related to a specific identity theft topic or peruse the latest news on the member education site. Arm yourself with knowledge.

Get the Latest News on Identity Theft
Identity Theft is a crime in which an imposter obtains key pieces of personal identifying information (PII) and uses the information for personal gain. These crimes vary in nature based on the intellect and skill of the thieves. Thieves can access your personal information by stealing your wallet or purse, pilfering your mail, sifting through your garbage, infecting your computer with a virus, phishing your information online, or by hacking into your personal information which is stored on hundreds and thousands of databases across the country. Every year your personal information is shared with large and small companies. You give it out freely when you go to the doctor or hospital, open a checking account, get a personal loan, get a new car insurance policy or new health insurance policy and more.


Helpful Resources

Federal Trade Commission (FTC) Contact Number: 877-ID-Theft
Web: FTC Identity Theft Website
Mail: Identity Theft Clearinghouse Federal Trade Commission
600 Pennsylvania Ave., N.W. Washington, DC 20580
Social Security Administration
Data Operations Center
P. O. Box 7004
Wilkes Barre, PA 18767
Report Fraud: 800–269–0271
Request Report: 800–772–1203
Report Fraud: 800–525–6285
Request Report: 800–685–1111
Trans Union
Report Fraud: 800–680–7289 Request Report: 800–888–4213
Experian (formerly TRW)
Report Fraud: 888–397–3742
Request Report: 888–397–3742
Privacy Rights Clearinghouse
Victim Advice and Assistance
Email: prc@privacy
Check Verification Companies

  • Check Rite 800–766–2748
  • ChexSystem 800–428–9623
  • Equifax 800–437–5120
  • SCAN 800–262–7771
  • Telecheck 800–366–2425 or 800–710–9898
Direct Marketing Association Mail Preference Service
P. O. Box 282
Carmel, NY 10512
Direct Marketing Association Telephone Preference Service
P. O. Box 282
Carmel, NY
Direct Marketing Association Email Preference (Your online request will be effective for one year)
Request Free Credit
Phone: 877–322–8228
Mail: Annual Credit Report Request Service P. O. Box 105281
Atlanta, GA 30348–5281
Marketing Lists
Pre-screened Credit Offers: 888–5–OPTOUT
Telemarketing Calls: 888–382–1222 or
National Consumers League