Fraud Awareness Booklet - Servus Credit Union

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• If the email or text says that you have won a prize orare entitled to receive some special “deal”, but asks forfinancial or personal data, there is good reason to behighly suspicious. Legitimate companies that want togive you a real prize don’t ask you for extensive amountsof personal and financial information before you’reentitled to receive the prize.3. Call. If the message or website purports to be froma legitimate company or financial institution, Internetusers should call, text or email that company directly.Ask whether the message or website is really from thatcompany. To be sure that they are contacting the realcompany or institution where they have accounts, creditcard account holders can call the toll-free customernumbers on the backs of their cards. Financial institutioncustomers can call the telephone numbers on theirfinancial statements. Never call the number given in theemail or text to confirm the contents validity as it willlead to the criminals who sent the message and theywill verify whatever was said.Remember, never respond to a message from someoneyou don’t know and never click on a link in any unsolicitedmessage.Drive-by malware infections and tabnabbingInternet users should also be aware of other online fraud—drive-by malware infections and tabnabbing.Malware is intrusive software aimed at gaining accessto private computer systems and causing disruption.A computer can become infected while you visit evenlegitimate websites or click on a deceptive pop-up window.Keep your computer as safe as possible by applying thelatest updates to all your software including your operatingsystem and disable all unnecessary Plug-ins. Consult anexpert if you require assistance.In tabnabbing, an attacker will access one of many tabsyou may have open at one time and create a new tabthat mimics a real site. You may be fooled into loggingon and providing personal information, if the mimickedsite indicates your session has expired. You can protectyourself against tabnabbing by always looking for the littlepadlocked icon that appears in your browser (often at thebottom right) when you visit a secure site. And rememberto check the Internet address that appears at the top ofyour browser. A tabnabbed page will show something thatdoes not resemble the legitimate web site address, evenif it contains the name of the company or organization youare trying to access.18AWARENESS | DEFEND YOURSELF FROM FRAUD
Protect Your MoneyBe PIN Smart…Canadians use their debit cards millions of times eachday for purchases and cash withdrawals from AutomatedTeller Machines (ATMs). In fact, Canadians are one ofthe biggest users of debit cards and ATMs in the world.With the INTERAC † shared services, cardholders haveconvenient access to their cash 24 hours a day, sevendays a week.While INTERAC shared services are among the mostsecure in the world, debit card fraud can occur. InteracAssociation and its members continue to work togetherto protect cardholders from debit card fraud.Protecting your PIN is up to youThink of it like a key. Instead of unlocking the door toyour house or car, your PIN unlocks the gateway to yourfinancial and personal information. We regularly lock ourhouses and cars, but too often, we’re careless about the“keys” to our financial accounts and information.Cardholders can help keep their money safe by protectingtheir debit cards and PIN and by following these 10important steps:1. Use your hand, body or other blocking method suchas a piece of paper or envelope to shield your PINwhen you are conducting transactions at an ATMor at the point-of-sale.2. Never let your debit card out of your sight whenconducting a transaction at the point-of-sale. It ispreferable that you insert your chip-enabled card in thepoint-of-sale device yourself. If you do not yet have achip-enabled card, or if the merchant is not yet able toaccept the chip, then your card will need to be swiped.In that case, keep an eye on your card to ensurethat it is only swiped once and that you see it beingswiped. Always remember to take your debit card andtransaction record with you once your transaction iscompleted.3. Regularly check your statements and balances toverify all transactions have been properly documented.If entries do not accurately reflect your transactionsactivities, for example, if there are missing transactionsor additional unknown transactions, you should contactyour credit union immediately.AWARENESS | DEFEND YOURSELF FROM FRAUD 19
Page 3 and 4: Awareness is SecurityThe confidenti
Page 5: Is your credit really protected?The
Page 9 and 10: It’s a rip-off! Here’s the tip-
Page 11 and 12: How identity thieves get your perso
Page 13 and 14: • For additional security, or in
Page 15 and 16: Don’t be the weak linkInternet fr
Page 17 and 18: programs that allow them to collect
Page 19: Online Fraud: Phishing,Malware and
Page 23 and 24: Important ContactsThe Canadian Anti

Fraud Awareness Booklet - Servus Credit Union

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