Fraud Awareness Booklet - Servus Credit Union

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4. If your debit card is lost, stolen or retained by an ATM,notify your credit union as soon as you become awareof the problem.5. Your debit card and PIN are the keys to your account(s).Never disclose your PIN to anyone or you could beliable for any losses. You are the only person whoshould know it. Keep your card in a safe place andnever lend it to anyone.6. Memorize your PIN — it’s your electronic signature.If you suspect that someone knows your PIN, changeit immediately or contact your credit union to cancelthe card and obtain a new card.7. When selecting your PIN, never use obviousinformation. You could be liable for losses if you createyour PIN by using your telephone number, date of birth,address or SIN.8. Be aware of any changes regarding the look of thedevice you are using. Has it changed in any mannerthat might indicate a skimming device is attached?There is a simple test you can perform if using a chipenabledcard. As your thumb is pointed at the device,you should be able to insert your card, while yourthumb remains completely on your card. If you cannot,stop what you are doing, do not enter your PIN andremove your card. Report any changes to your creditunion or owner of the device.9. Only conduct transactions when and where you feelsecure. If anyone tries to distract you, complete whatyou are doing and retrieve your card before doinganything else. If you cannot retrieve your card, callyour credit union immediately.10. In a proven case of fraud, victims are protected by theCanadian Code of Practice for Consumer Debit CardServices and will not suffer any financial losses. TheCode is available on Credit Union Central of Canada’swebsite at: http://www.cucentral.ca/Documents/CanadianCodeofPracticeforConsumerDebitCardServices.pdfEach case is reviewed on an individual basis by yourcredit union.For more information about the INTERAC † shared servicesor PIN security tips, visit interac.ca.20AWARENESS | DEFEND YOURSELF FROM FRAUD
Important ContactsThe Canadian Anti-Fraud Centre1-888-495-8501info@antifraudcentre.caantifraudcentre.caThe Competition Bureau of Canada1-800-348-5358competitionbureau.gc.caGovernment of Canada (Public Safety Canada)Resources on Identity Theftpublicsafety.gc.ca/prg/le/bs/consumers-eng.aspxCanadian Council of Better Business Bureausccbbb.caMajor Credit BureausEquifax CanadaTo report lost or stolen identification or identity theft:1-866-828-5961To order your credit report: 1-800-465-7166equifax.caTransUnion1-800-663-9980transunion.caThis publication is provided for informational purposes only. Theinformation in this publication is summary in nature and does notconstitute legal or business advice. Credit Union Central of Canadahereby disclaims all warranties as to the accuracy of any of theinformation in this publication and disclaims all liability for any actionstaken in reliance on this information. Any copying, redistribution orrepublication of this publication, or its content, is strictly prohibited.† Trade-mark of Interac Inc. Used under license.® Credit Union Central of Canada’s use of the third party marks is not intended to indicate sponsorship or affiliationwith the owner of the marks.AWARENESS | DEFEND YOURSELF FROM FRAUD 21
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 and 20: Online Fraud: Phishing,Malware and
Page 21: Protect Your MoneyBe PIN Smart…Ca

Fraud Awareness Booklet - Servus Credit Union

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