Fraud Protection

At Choice One Community Credit Union, we prioritize the security and well-being of our members. Safeguarding your finances against fraud is of utmost importance to us. In this comprehensive guide, we will share valuable insights and tips to help you protect yourself from fraudulent activities. By implementing these measures, you can fortify your financial defenses and enjoy peace of mind.

Stay Informed

Knowledge is power to effectively combat fraud, and it is crucial to stay informed about the latest scams and techniques used by fraudsters. By staying up-to-date, you can better recognize and avoid potential threats. Choice One Community Credit Union is committed to keeping you informed through regular updates, alerts, and educational resources. Remember, knowledge is power when it comes to fraud prevention.

Secure Your Online Presence

With the increasing prevalence of online transactions, securing your digital presence is paramount. Here are some essential steps to protect your online accounts:

1. Strong and Unique Passwords: Create strong, unique passwords for each of your accounts. Avoid using common phrases, account numbers, or personal information. Consider using a password manager to securely store and manage your passwords. Never share your passwords with anyone.
2. Two-Factor Authentication (2FA): Enable two-factor authentication whenever possible. This additional layer of security ensures that only you can access your accounts, even if your password is compromised.
3. Be Cautious of Phishing Attempts: Exercise caution when receiving emails, text messages, or phone calls requesting sensitive information. Fraudsters often use deceptive tactics to trick individuals into revealing personal or financial details. Always verify the source before sharing confidential information, and refrain from clicking on suspicious links. Remember that Choice One will never contact you to request personal information. In the event of a suspicious call requesting personal information, it is of utmost importance to remain vigilant. Disconnect the call without delay and refrain from divulging any sensitive information. Instead, reach out to us directly through trusted channels to report the incident.

Protect Your Debit and Credit Cards

Your debit and credit cards are susceptible to fraudulent activities. Follow these measures to safeguard your cards:

1. Regularly Monitor Account Activity: Frequently review your account statements and transaction history. Report any unauthorized or suspicious transactions to Choice One Community Credit Union immediately.
2. Use Secure Payment Methods: Opt for secure payment gateways or trusted third-party platforms when making online purchases. Avoid sharing your card details on unsecured websites.
3. Sign Up for Choice Alert: Choice One Community Credit Union offers Choice Alert, a proactive credit and debit card account monitoring tool that empowers members to establish diverse controls and notifications.
   These alerts notify you of suspicious card activity, enabling quick action to mitigate potential damage.

Protect Your Personal Information

Your personal information is invaluable to fraudsters. Shield it with these essential practices:

1. Be Wary of Unsolicited Requests: Exercise caution when sharing personal information. Avoid responding to unsolicited requests for sensitive data, such as Social Security numbers or account details. Again, Choice One will never contact you to request personal information.
2. Shred Confidential Documents: Dispose of sensitive documents securely by shredding them. This includes financial statements and any other papers containing personal information.
3. Protect Your Social Security Number: Keep your Social Security number confidential and avoid carrying it in your wallet or purse. Share it only when necessary and with trusted entities.

Approach Free Offers with Caution

When engaging with “free offers,” it is crucial to exercise awareness and diligence regarding the associated terms and conditions, particularly in relation to expirations, additional charges, and recurring charges. It is imperative to thoroughly review and comprehend all contractual obligations to avoid any unexpected financial liabilities or obligations. By ensuring a comprehensive understanding of the terms and conditions, individuals can make informed decisions and mitigate the risk of encountering unfavorable circumstances or unanticipated costs.

We Are Here to Assist You

Choice One Community Credit Union is committed to your financial well-being. By implementing the aforementioned fraud prevention tips, you can enhance your security and protect your finances. Stay informed, be vigilant, and remember that we are here to assist you every step of the way. Safeguarding your financial future is our top priority. Click here to learn more about some of the latest scams used by fraudsters.

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