Security & Fraud Center - Mutual First Federal Credit Union
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Security & Fraud Center

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At Mutual 1st Federal, we do everything we can to keep your information safe. We encourage you to join us in reducing your risk while online. We’ve put together some important online and mobile banking safety tips, along with card security and identity theft information.



Help Protect Yourself from Fraud Mutual 1st Federal Credit Union and Visa® are working closely together to catch any fraudulent behavior and protect your account. There are also some simple things you can do:

Protect Your PIN (Personal Identification Number)

  • Never write down your PIN - memorize it as soon as you get it.
  • Do not disclose you PIN to anyone. No one from any financial institution, the police or a merchant should ever ask for your PIN.
  • Beware of phishing emails. These are emails that appear to be from your bank or online merchant asking for account information. Do not reply to them or click on any links. Visa, your bank or any other legitimate online merchant will never ask for your PIN or other personal financial information via email.
  • At an ATM or PIN pad, enter your PIN discreetly, shielding the keypad with your hand or body.

Spot Suspicious Activity and Protect Your Account

  • Review your monthly account statements to spot any unauthorized purchases. You can also monitor your account activity online.
  • Periodically review your credit reports from each nationwide credit reporting agency for accuracy, and have information relating to fraudulent transactions deleted. Call any one of the three credit reporting agencies to receive your free annual credit report.
  • If you spot any unauthorized charges, please contact us immediately.
  • You should also contact the three credit reporting agencies listed below to notify them of any suspected fraud or identity theft. You will only need to notify one of the credit reporting agencies to place a Fraud Alert on your consumer report. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. If you do not receive a confirmation from a company, you should contact that company directly to place a fraud alert.

Equifax® 800-525-6285 www.equifax.com
Experian® 888-397-3742 www.experian.com
TransUnion® 800-680-7289 www.transunion.com



And remember, your Visa credit card is backed by Visa’s Zero Liability policy, so even if you card or its number is ever lost or stolen, you won’t be responsible for unauthorized charges.*

Report Suspicious Activity If you notice suspicious activity within your account or experience security-related events, such as a phishing email or text message posing as Mutual 1st Federal, please contact us.

Take Action Against Identity Theft
If you believe you are a victim of identity theft, contact the Federal Trade Commission (FTC) immediately. The FTC operates a call center for ID theft victims where counselors tell consumers how to protect themselves from identity theft and what to do if their identity has been stolen: 1.877.IDTHEFT {1.877.438.4338}; TDD 1.866.653.4261 www.ftc.gov/idtheft

Still looking for more?
We invite you to read our blog and follow us on Facebook and Twitter for more security tips and how to protect yourself from fraud.

Learn more about online security with these resources:
Staysafeonline.org
Consumer.ftc.gov
Usa.gov

Visit the FTC's Scam Alert website for up-to-the minute information on new or resurrected scams from the past. For information beyond scams, visit the Department of Homeland Security's CERT (Computer Emergency Readiness Team) website to learn about potential security issues, vulnerabilities and exploits on your computer, as well as advice and best practices for handling these security issues.

*Covers U.S.-issued cards only. Visa’s Zero Liability Policy does not apply to ATM transactions or PIN transactions not processed by VISA and certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security. APY = Annual Percentage Yield. Rates as of 8/1/14. Rates may change after the account is opened. Fees may reduce earnings. Minimum to open account is $5.

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