What is Phishing?
“Phishing” refers to fraudulent processes in which fraudsters attempt to obtain your personal information through electronic communications such as emails, text messages, or instant messages. These messages appear to be from a trustworthy entity, such as a financial institution, insurance company, retailer, or regulatory agency. However, the messages are not legitimate. The fraudsters typically ask you to send your personal information to a website and then use that information to commit identity theft.
Remember, Virginia Beach Schools FCU does not request personal information by email, text messaging, or instant messaging. Beware of any unsolicited email that request personal information of any kind. Do not respond to any such email, text, instant message, pop-up, or link. The following tips will help you spot fraudulent messages:
- The sender’s name is usually generic, such as “Customer Service Department,” or is just the company’s name, such as “XYZ Bank.”
- The message title generally concerns an “urgent matter” that requires your immediate attention, such as “verifying” certain information to prevent the company from suspending or closing your account.
- The message may look professional and official, often displaying the look and feel of a website that you know. It may even contain links or pop-up windows that have the appearance of legitimacy.
- The sender may ask for ATM or credit card numbers, personal identification numbers (PINs), sign-on IDs, and other personal information, such as your Social Security number, date of birth, or mother’s maiden name — all of which thieves can use to take over an account or commit identity theft.
- The message may point you to a domain name that appears to be related to the legitimate domain name.
If you are ever unsure of the origin of a VBSFCU email or believe it is not legitimate, do not click on the links. Instead, type www.vbsfcu.org or a specific URL in your browser’s address bar.
Stay Secure… Help us protect your financial information. Ensuring your account security is a top priority for VBSFCU. Working together we can help keep you and your account information safer. You can do your part by keeping in mind the following safeguards:
- Check your monthly statements to ensure they match your recollection and your other records. If you have online access, check them frequently. If at any time you notice any discrepancies between your statements and your other records, please notify us immediately.
- Never give out account numbers or other personal financial information, unless you can validate the authenticity of the requestor.
- Always shred personal and financial information before discarding it.
- Every year, review your credit report. You’re entitled to a free credit report annually. Simply contact one of the three main credit-reporting bureaus:
Equifax® Experian® TransUnion®
800-525-6285 888-397-3742 800-680-7289
www.equifax.com www.experian.com www.transunion.com
Who can I call if I have questions?
Contact us with any questions.