Alerts, Info, and Scams - Fort Knox Federal Credit Union

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4 Million Federal Workers Data Breach - What You Need to Know

With the recent federal workers data breach, Fort Knox Federal’s fraud monitoring service is actively evaluating any fraud trends that may be attributed to those breaches. If you are a federal worker that was impacted, we recommend that you:

  1. Review your account to make sure you do not have any unauthorized charges.
    • You will not be held liable for any fraudulent charges. Call us if you find charges on your account that you did not make
    • Review your account history. You can check your account activity via Branch@Home
    • Sign up for account alerts. In Branch@Home , click on “Financial Planning” then on “Personal Account Manager”. Now click on the “Alerts” tab.
  2. Be alert to fake phone calls, emails and letters asking for your personal information and telling you to click on links. Don't do it, even if it looks official. If you are called by someone who claims to be Fort Knox Federal Credit Union or another financial institution and says you’ve been affected by the breach, hang up. Then call the financial institution to resolve the issue. (Fort Knox Federal: 800-285-5669). If you get an email that claims to be from Fort Knox Federal or anyone else requesting your information, ignore the email.
  3. Contact the appropriate credit bureau reporting agencies and request a fraud alert or security freeze be applied to your credit. (See agency list below).

Credit Bureau contact information:
Transunion - (800) 680-7289
Equifax - (888) 766-0008
Experian - (888) 397-3742

Scammers Pose as Credit Card Fraud Department

(April 17, 2015) - A fraudulent fraud department? It may sound too wacky to be true, but scammers are now pretending to be from credit card companies' fraud departments. It's a trick to get you to reveal your card's security code.

How the Scam Works:
You answer the phone, and the caller says he/she is from your credit card's security department. This "fraud specialist" tells you that there's suspicious activity on your card. He makes up a bogus transaction and asks if you authorized it. When you reply that you never made the purchase, the "fraud specialist" offers to open an investigation into charge. The scammer may even give you a fake case number for reference.

Everything seems normal until the scammer asks one last question. Under the guise of verifying that the credit card is in your procession, he requests the security code on the back of your card. Don't give it to him; it's a scam!

In this particular con, identity thieves already have your information. They know your name, credit card number, phone number and address. Now, all they need is the security code on the back of your card. If you share it, you give the con artist the information he needs to wrack up charges in your name.

What To Do if a Fraudulent Fraud Department Calls:

  • Don't give the caller any information about your account - even if he already knows some of the details.

  • Pick up the phone. Call the customer service number on the back of your credit card. Talk to the fraud or security department and ask about the unauthorized charges the caller told you about.

  • Phone numbers can deceive. Some con artists use Internet technology to disguise their area code in Caller ID systems. Although it may look like they're calling from your credit card company, they could be calling from anywhere in the world.

Beware: Spoofing Scam

(March 25, 2015) - The National Credit Union Administration is alerting consumers that texts they receive from an agency telephone line, 703-518-6301, asking for personal information are not coming from NCUA. The texts may warn of a debit card reaching its limit or use some other trick to persuade individuals to provide personal information or go to a malicious website.

Do not click on links in the message or provide information to any websites referenced in the message or attempt to conduct any financial transactions through those websites.

NCUA would never request personal or financial information from consumers.

Anthem Security Breach - We're On Alert For Your Security!

With the recent data breach at Anthem, Fort Knox Federal’s fraud monitoring service is on heightened alert and we are actively evaluating any fraud trends that may be attributed to those breaches. If you have Anthem Insurance products, we recommend that you:

1)

Review your account to make sure you do not have any unauthorized charges.

 

You will not be held liable for any fraudulent charges. Call us if you find charges on your account that you did not make.

 

Review your account history. You can check your account activity via Branch@Home.

 

Sign up for account alerts. In Branch@Home , click on “Financial Planning” then on “Personal Account Manager”. Now click on the “Alerts” tab.

2)

Be alert to fake phone calls, emails and letters asking for your personal information and telling you to click on links. Don't do it, even if it looks official. If you are called by someone who claims to be Fort Knox Federal Credit Union or another financial institution and says you’ve been affected by the breach, hang up. Then call the financial institution to resolve the issue. (Fort Knox Federal: 800-285-5669). If you get an email that claims to be from Fort Knox Federal or anyone else requesting your information, ignore the email. 

Tax Indentity Theft and IRS Imposter Scams

It’s tax season again, so beware of identify thieves posing as the IRS in order to gain your financial information.

Tax Identity Theft:
Know the warning signs of when identity thieves are using your social security number. Identity thieves may use your social security number to get a tax refund or a job. Contact the IRS if they send you a notice saying their records show:

  • You were paid by an employer you don’t know
  • More than one tax return was filed using your social security number

IRS Imposter Scam:
Scammers pretend to be IRS officials in order to get you to send them money.  
How the scam works:

  • You get a call from the IRS Imposter
  • You are told you owe money and will be arrested if you don’t pay the money using a prepaid debt card or wire transfer

Warning signs:

  • IRS Imposter contact is made by phone or email  (the IRS will make contact by mail)
  • Request you make payment by debit card or transfer money  (the IRS won’t require a specific type of payment)

What to do:

  • Don’t give the caller any of your personal information
  • Write down the details
  • Hang up
  • Contact the IRS directly (800-829-1040)
  • Warn friends and family

Additional Resources:

The Army is Seeking Your Input on the Future of Fort Knox.

The public is invited to a Fort Knox Community Listening Session on Tuesday, January 6, 2015, at the Hardin County Schools Performing Arts Center from 5:30 pm to 7:30 pm. The Fort Knox community has made a strong response during the public comment period with over 14,000 letters sent to Army leaders. This Community Listening Session is the next step so you can help keep Fort Knox strong.

Data Breaches: What You Need to Know

December 4, 2014
Merchant data breaches are increasingly in the news and often pose serious threats to consumers. We want our members to know that Fort Knox Federal Credit Union is ready to help if your personal or financial data is ever compromised.

First, Fort Knox Federal adheres to the latest data security standards established by Congress and federal regulators, which are more stringent standards than apply to retailers. While data breaches can happen anywhere, we are on constant alert to ensure the safety and confidentiality of your sensitive account and personal data at the Credit Union.

Second, if your debit or credit card data is breached at retailer, Fort Knox Federal will act quickly to minimize any loss to your account. Additionally, we will replace lost, stolen, or compromised cards as soon as possible, once notified of the situation.

Third, you can help us protect your personal and account data by taking the ‘credit’ option when using your debit card for purchases (this way you don’t have to enter your PIN number). Also, closely monitor your accounts using our Branch@Home, PhoneFacts and Mobile Banking options to be alerted to any unusual or unauthorized use. If you suspect there has been unauthorized use, contact us immediately.

While we can't control what happens with merchants and retailers, we want you to know that Fort Knox Federal Credit Union will do everything we can to assist you and your family if a breach does occur that effects your debit or credit card(s). You can always feel free to contact our Member Resource Branch for assistance or if you have questions.

K-mart Security Breach

With the recent card and data breach at K-mart stores, Fort Knox Federal’s fraud monitoring service is on heightened alert and we are actively evaluating any fraud trends that may be attributed to those breaches. If you have shopped at K-mart with a debit or credit card, we recommend that you:

1) Review your account to make sure you do not have any unauthorized charges.
  You will not be held liable for any fraudulent charges. Call us if you find charges on your account that you did not make.
  Review your account history. You can check your account activity via Branch@Home.
  Sign up for account alerts. In Branch@Home , click on “Financial Planning” then on “Personal Account Manager”. Now click on the “Alerts” tab.
2) Be alert to fake phone calls, emails and letters asking for your personal information and telling you to click on links. Don't do it, even if it looks official. If you are called by someone who claims to be Fort Knox Federal Credit Union or another financial institution and says you’ve been affected by the breach, hang up. Then call the financial institution to resolve the issue. (Fort Knox Federal: 800-285-5669). If you get an email that claims to be from Fort Knox Federal or anyone else requesting your information, ignore the email. 

Beware: Phishing Scam

Fort Knox Federal has had several reports of members receiving phone calls informing them that their card has been blocked. The scam asks for the member to enter their card number to verify. DO NOT ENTER YOUR CARD NUMBER. Our member service staff will never ask you to enter a card number on your phone. Please inform your friends and family to be aware of this scam.

Information Regarding Access to Branch@Home

May 2, 2014 *Update*
Microsoft announced that it has issued an out-of-band security update to address the critical flaw recently discovered in Internet Explorer versions 6 through 11. Although no longer supported, Microsoft also issued a security update for Windows XP. The flaw in the web browser could allow hackers access to personal information. We suggest all of our members who access the Fort Knox Federal website and/or Branch@Home to check for automatic security updates by clicking on the “Windows Update” button located in your Control Panel. As always, your data security is very important to us at Fort Knox Federal Credit Union.

April 30, 2014
The security of your data is very important to us at Fort Knox Federal Credit Union. That’s why we’re sharing that a critical flaw has been discovered in Internet Explorer versions 6 through 11. According to Microsoft, this flaw in the web browser could allow hackers access to the personal information. We suggest all of our members who access the Fort Knox Federal website and/or Branch@Home to refrain from using Internet Explorer until Microsoft releases a solution. The U.S. Department of Homeland Security is also advising Internet users not to use the IE until a fix is found and to consider employing an alternative web browser until an official update is available.

Phone Call Process Change

January 13, 2014
We're improving our phone process to provide additional security and quicker access to your account information!

Beginning in February, when calling the Credit Union, you will be required to enter your account number, along with your PhoneFacts security code to obtain account information. In preparation for this change, if you do not remember your security code or have not set this up, please visit your local branch or dial (800) 285-5669 extension 5500 for our PhoneFacts Setup Hotline.

Once set up, you will gain immediate access to PhoneFacts, where you can:

    • Check Account Balances
    • Make A Payment
    • Transfer Funds
    • Review Recent Transactions
      ...and much more!

We want to help simplify your life with quicker and easier account access!

Beware of Fraudulent Check Scams

September 17, 2013
Beware of Fraudulent Check Scams:

Scammers are sending emails with fraudulent employment, advertising or service offers.
Some of these scams may also appear on popular websites such as Craigslist.
Once potential victims accept the scammers’ invitation, they receive a counterfeit check.
Some of these counterfeit teller checks bear the name of Fort Knox Federal Credit Union. The amounts on the checks that have been reported are:  $4850, $1900, $2990 and $2490.
Fort Knox Federal is not involved in this scam in any way.
Our logos on these counterfeit checks are being used illegally.
You should be suspicious of any payment promise based on accepting a check and returning a portion of the funds to the sender.
If you have any questions about a Fort Knox Federal check, please contact Fort Knox Federal directly at 800/285-5669

Protect Your Identity

Please know that Fort Knox Federal has taken every available measure to provide secure online banking experiences.  Nonetheless, criminals are working 24x7 to steal online accounts.  Several methods are being employed to steal online user credentials.  The most prevalent involves malware that infects a computer.   This malware is typically distributed via email links, social networking sites and malicious websites.  Once credentials are stolen, unauthorized transactions begin.  To reduce your risk, please take the following precautions:  

Install, update and maintain good quality anti-virus and anti-spyware software.
Keep your security questions safe.
Maintain strong passwords and change them from time to time.
Carefully review your statements for any unauthorized activity.


View Latest Veteran Security Information
Helpful information about fraud and how to avoid 7 tips for using check cards
1. Keep your receipts and note debits in checking register.
2. Check your account balance frequently either online or through the bank to avoid overdraft.
3. Be aware of bank overdraft policies and fees. Members can decline the credit union's "convenience" coverage for overdraft, which could cost high fees if they overdraw the accounts. Instead, sign up for overdraft protection that is covered by a savings account.
4. Most check cards now have "zero liability" protection that exceeds what the federal law calls for, so security is a lesser issue. Still, consumers should check with their financial institutions to see how debit transactions are processed. Only those going through the Discover, MasterCard, or VISA networks may be covered by zero liability.
5. If consumers pay off their credit card balances each month, they're better off using a credit card with rewards for purchases than a debit card or check card.
6. Find out your financial institutions's daily limit for usage is for your checking account.
7. If a cardholder's balance is low, it's best not to use debit for purchases such as gas, where a hold of at least $50 may be placed on the card.
       
2015 future pay dates Helpful information about your credit Report


How to save, invest, and manage your money to meet your personal goals
   
       


Protect yourself from identity theft.
To report ID Theft, call 1-877-IDTHEFT
(1-877-438-4338)

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