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Protecting your Identity - Reminders from your Credit Union

Authored By: Manatee Community FCU on 7/31/2019

Protecting Your Identity

Manatee Community Federal Credit Union wants to remind you that although data breaches, like Capital One’s, may be out of your control here are some points you can do as a cardholder to avoid compromising your personal information:

•A text alert from us warning of suspicious activity on your card will NEVER include a link to be clicked. Never click on a link in a text message that is supposedly from us. A valid notification will provide information about the suspect transaction and ask the cardholder to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop’. It will never include a link. Not set up for text alerts on your MCFCU Visa Debit card yet? It’s simple to set up. Click here for more information.

• A text alert from us will always be from a 5-digit number and NOT a 10-digit number resembling a phone number

• A phone call from our institution’s automated dialer will only include a request for your zip code, and no other personal information, unless you confirm that a transaction is fraudulent. Only then will you be transferred to an agent who will ask questions to confirm that you are the actual cardholder before going through your transactions with you. If at any point you are uncertain about questions being asked or the call itself, hang up and call us directly. If a call is received by the cardholder, claiming to be our call center and asking to verify transactions, no information should have to be provided by the cardholder other than their zip code, and a ‘yes’ or ‘no’ to the transaction provided.

• We will NEVER ask you for your PIN or the 3-digit security code on the back of your card. Don’t give them out to anyone, no matter what they say. Hang up and call us directly. Fraudsters will often ask cardholders to verify fake transactions. When the cardholder says no, they did not perform those transactions, the fraudster then says that their card will be blocked, a new card will be issued, and that they need the card’s PIN to put it on the new card. Many people believe this and provide their PIN. The 3-digit CV2 code on the back of the card will allow a fraudster to conduct card-not-present transactions.

• Regularly check your account online to see if there are any suspicious transactions that have occurred, but especially if you are unsure about a call or text message you’ve received. If anything looks amiss, call us directly for assistance.

• If you have received a voice- or a text-message from us and are unsure about responding to it, call us directly for assistance at 941-748-7704.

• Consider signing up for Credit Sense, our free credit monitoring system. You can set up alerts to be sent directly to you when there is a change on your credit bureau. For more information on Credit Sense click here.



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