Security & Fraud Center - Mutual First Federal Credit Union
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Helping you feel more comfortable online

At Mutual 1st Federal, we do everything we can to keep your information safe, so you can focus on what's important to you. We’ve put together some important online and mobile banking safety tips, card security, spam, phishing and identity theft information, as well as what to look for online and in your emails, texts, or phone calls. 

 

Mutual 1st applies strict security policies to protect your accounts here. We will always ask you to verify your personal information when you call, and validate your identification when you visit the branches. Our online banking offers multi-factor authentication and numerous ways to track your activity. For information on Online and Mobile Banking, click here

 

Mutual 1st Federal Credit Union and Visa® work together to catch any fraudulent behavior and protect your account. There are also some simple things you can do to help reduce the risks while online:

 

Hide your pin

Protect Your PIN (Personal Identification Number)

  • Never write down your PIN - memorize it as soon as you get it.
  • Do not disclose your PIN to anyone. No one from any financial institution, the police or a merchant should ever ask for your PIN.
  • 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.

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

Elder Financial Exploitation 

According to the SEC, elder financial exploitation is a significant problem and they expect it to worsen with the aging of America. The elderly are particularly vulnerable due to cognitive and physical changes, wealth, and the rise in the elder population. Examples include withdrawing money from the victim's account, cashing their checks, using their credit cards, misuse of a power of attorney, identity theft, impersonation scams, and sweepstakes scams. 

Cyber Crime Stats

Phishing 

  • Beware of phishing emails. These are emails that appear to be from your bank or online merchant asking for account information. Visa, your bank or any other legitimate online merchant will never ask for your PIN, password, or other personal financial information via email.
  • Other phishing schemes try to trick you into providing information to criminals. You may receive an email that appears legitimate, asking to verify your personal information such as passwords, payment methods, social security number, etc. 
  • How to spot a phishing email? Words may be misspelled, and while it may look similar to the company, it is likely just a little off. Examine the email address; you may notice the actual address is not associated with the vendor, or financial institution. The email may address you as "User", "Customer", etc. when the real company usually addresses you by name. 
  • Do not click on any links in the suspicious message. 
Messages like this can also be received over the phone or via text message. In the case of phone calls, if someone is threatening to turn off your utilities or the like, always hang up and contact your utility company directly to verify. 

Taking Action Against Identity Theft

If you believe you are a victim of identity theft, contact the Federal Trade Commission (FTC) immediately: 1.877.IDTHEFT {1.877.438.4338}; TDD 1.866.653.4261 www.identitytheft.gov

 

You should also contact one of the three credit reporting agencies listed in the right column and notify them of any suspected fraud or identity theft. The company you call is required to contact the other two, which will place an alert on their versions of your report. If you do not receive a confirmation from a company, you should contact that company directly.

You can also file a complaint with the FBI's Internet Crime Complaint Center (IC3). 

 

*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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