Current Fraud Alerts
August 7, 2015
Beware of Phishing
Member security is very important to us. As such, please be advised that members may be receiving phone calls from scammers posing as Cyprus employees. If you receive such a call, please note that we will never contact you to ask for any personal identifying information, including but not limited to:
- Account Number
- Personal PIN
- Date of Birth
- Credit Card Details
If you receive a call asking for this information, please be aware that this is a possible fraud situation. To verify, always hang up without disclosing your personal information and call our customer service directly at (801) 260-7600. As an extra precaution, we suggest that members verify that their home banking contact information is updated and that log-in passwords are frequently changed.
If you supplied personal information via email, phone, social media or other means to someone you suspect was scamming you, contact Cyprus Credit Union at (801) 260-7600.
Important Notice Regarding the Potential Home Depot Security Breach
September 11, 2014
As you may have heard through news reports, Home Depot has been the target of a theft of credit and debit card numbers tied to purchases at their brick & mortar stores in recent months.
What are we doing?
At this time, we continue to monitor transactions like we always do, and as more information becomes available, we will notify impacted members.
What can you do?
If you shopped at Home Depot in recent months (estimates are that the breach could have started in April), we ask that you monitor your account through online or mobile banking for fraudulent activity and report it to us immediately so that we can block your card and issue a new card to you.
Also, we recommend the use of Alerts within Home Banking to help you to monitor activity that occurs on your debit or credit card in real-time. To set up Alerts, log in to Home Banking and click the E-Delivery tab. Once you complete the enrollment process you’ll automatically receive alerts on your debit and credit card for any transaction over $25.00.
If you would like for us to order a new card immediately, please contact us by calling 801-260-7600 option 0 and we will order a new card for you prior to receiving confirmation from our processors that you may be impacted.
If you have any questions regarding the potential Home Depot Security Breach, please feel free to contact us at 801-260-7600 option 0.
Fraudulent Text Messages
May 29, 2014
Some Utah credit union members have reported receiving fraudulent text messages claiming to be from the credit union. The text message instructs the member to call a number and provide debit card information and other personal information. This is a scam. Never provide your financial or personal information in an unsolicited text, phone call or email.
If you think you may have been a victim of fraud contact us immediately at 801-260-7600 option 0.
Internet Explorer Vulnerability
April 29, 2014
If you are using Internet Explorer version 6 through 11, the Department of Homeland Security’s Computer Emergency Readiness Team recommends you use a different browser to access the Internet until the vulnerability has been repaired. If a user is browsing the web on Internet Explorer and clicks on or opens a link that contains a specific virus, the user’s computer is compromised. The vulnerability allows a hacker to access the user’s computer and private information. While these attacks are limited, security experts recommend you avoid using Internet Explorer until Microsoft released a patch to repair the vulnerability.
How to Protect Yourself
- The best protection is to use a different browser until the problem is fixed. You can download Google Chrome or Firefox for free. Neither of these browsers are affected by the vulnerability.
- If you wish to continue to use Internet Explorer user, you can visit Microsoft’s website for information on how to mitigate your exposure. https://support.microsoft.com/kb/2458544
- Do not click on links or attachments in emails that look suspicious. If receive an unsolicited email or message that contains a web link or attachment, delete it.
- Avoid clicking Agree, OK, or I accept in banner ads, in unexpected pop-up windows with warnings or offers to remove spyware or viruses, or on websites that may not seem legitimate.
- Keep your security software up to date.
Your security is our top priority. If you think you have been the target of a scam that has attempted to obtain your private personal banking information, contact us immediately at 801-260-7600 option 0. Remember, Cyprus Credit Union will never ask for your private information in an unsolicited call or email.
You’re Safe With Cyprus
April 11, 2014
Recent news stories have highlighted security breaches on some websites. We are NOT IMPACTED by this breach. Cyprus is safe and secure and has not been compromised in any way. You can rest assured that we take all necessary precautions to protect your information and provide you with peace of mind.
If you use your Home Banking password as a password for other websites, we recommend that you change your password immediately. While our site is not affected, other sites you use may be affected. If you use your Home Banking password on other websites, changing your password today will help protect you. Click here for instructions on changing your password.
We recommend that you always practice good, proactive account maintenance by frequently reviewing your account and financial statements for any unusual activity. We also recommend that you use the “Sign Off” button when you are finished using Home Banking or any other site you use a user name and password to access.
If you have questions about security online, visit the Federal trade Commission’s online resources at http://www.onguardonline.gov/ for tips and information.
Card Information Compromised at Target Stores
December 19, 2013
Target has reported a data breach that has compromised card numbers for more than 40 million shoppers. Latest reports indicate that shoppers who made a purchase with a debit or credit card at a Target store between November 27th and December 15th may be affected. The data breach did not affect purchases made at target.com. Target has not provided in depth details, but we want to keep you informed of the actions you can take to keep your information and account safe.
Target is working to provide financial institutions with a full list of card holders who were affected by the breach. If your account has been affected, you will receive notification from Cyprus and instructions on how to get a new card. In the meantime, check your account history in Home Banking and notify Cyprus immediately if you notice any unauthorized charges. You can also sign up for our free account alerts that will notify you by text or email of any purchases made on your credit or debit card. You can sign up for account alerts in Home Banking under the E-Delivery tab. These account alerts are free and can help stop fraud immediately. If you have questions about your account, want help setting up account alerts or notice suspicious activity , contact us at 801-260-7600 option 0.
Report Fraud to Cyprus Credit Union. If you think you may have been a victim of fraud contact us immediately at 801.260.7600 (Option 0).
Identity theft can occur when an individual obtains personal information, such as your social security number, date of birth, address, and financial account numbers. Once this information is obtained, the thieves will assume or take on your identity, allowing them to illegally purchase items or obtain credit.
Protect yourself. Don't become identity theft's next victim
There are simple precautions that will keep your identity safe. We've provided the following information as a courtesy to help protect you from identity fraud and other criminal activities. Review the information on these pages to learn how to protect your personal and financial information.
Identify Theft Resources
Credit Bureau Contact Details
- Free Annual Credit Report
800-525-6285 (Fraud Hotline)
www.equifax.com 800-685-1111 (Order a Report)
888-397-3742 (Fraud Hotline)
www.experian.com 888-397-3742 (Order a Report)
800-680-7289 (Fraud Hotline)
www.transunion.com 800-916-8800 (Order a Report)
Credit bureaus must provide free copies of credit reports to victims
of identity theft.
ATM fraud can occur when individuals lose their card, give their card to someone else to use, or when their Personal Identification Number's confidentiality is compromised. By following these simple guidelines you can greatly reduce your exposure to ATM fraud.
Tips for protecting yourself against ATM fraud
- Never write your Personal Identification Number (PIN) on your card or in your wallet. Memorize your PIN as soon as possible. Do not reveal your PIN to anyone not authorized to use the account.
- Never use your date of birth, social security number, license number or street address as a PIN -- those are the first numbers a crook will try.
- Don't throw away your ATM receipts at the ATM location. Keep them to reconcile your account, then dispose of them properly when you get home.
- Always be aware of your surroundings when using the ATM. If it is late at night, try to use a machine that is well lit and avoid dark, remote locations.
- Always make sure to retrieve your ATM card from the machine when the transaction is complete.
- Be aware of the person behind you. Make sure no one can see you entering your PIN or how much money you withdraw.
- Review your statement promptly to ensure all transactions are accurate. Report any discrepancies immediately.
- Destroy old ATM cards immediately after receiving your replacement cards.
In addition to the types ATM fraud that most of us are now aware of, there are two new types that can clean out your account quickly -- card withholding and skimming.
Card withholding occurs when your card gets stuck in the ATM, you can't get it out, and you leave the card in the ATM planning to contact the financial institution the next morning. When you call you find that the card was not stuck in the ATM. What happens is that thieves put a substance into the ATM card slot which will cause your card to stick inside the ATM. They leave the ATM and wait for someone to attempt to use it. They then get in line behind you and try to watch you enter your Personal Identification Number (PIN). This is very common at drive-up ATMs where the user may not be paying attention to other people or cars nearby.
The thieves even go so far as to put up a sign on the ATM stating: "If your card gets stuck, enter your PIN three separate times to retrieve it." This gives them three tries to watch you enter your PIN. After you leave frustrated, and you're planning to contact the ATM owner the next morning, they remove your card with a pair of pliers. They can then use your card at other ATMs and Point-of-Sale (POS) terminals.
Skimming is done at businesses that offer Point-of-Sale (POS) devices for you to pay with your ATM card, such as gas stations. The thieves convince an employee to allow them to connect a lap top computer to the POS machine. The lap top is usually stored under the counter where the POS device is located. When you swipe your card in the POS device to make a payment the information on the magnetic strip on your ATM card is copied and loaded onto a disk. Thieves may also install a hidden video camera that records you entering your PIN. They then match the magnetic information to the PIN and access your accounts.
- Before inserting your ATM card into an ATM inspect the card slot for any residue.
- If there is residue, don't use that ATM. If there is a notice on the ATM about entering your PIN several times, don't use that ATM.
- Always cover your hand when entering your PIN: if the thieves don't have your PIN, they can't access your account.
Actions for Fraud Victims
If you suspect fraud, it is important to act quickly to minimize potential damage and your own liability. It is important to keep a detailed account of conversations you have with authorities and financial institutions.
Credit Bureaus. Immediately call the fraud units of the three credit reporting companies -- Experian, Equifax and Trans Union. Ask that your account include a statement referencing the possibility of fraud.
Creditors. Contact all creditors immediately with whom your name has been used fraudulently -- by phone and in writing. Monitor your accounts closely for any further fraudulent activity.
Law Enforcement. Report the crime to police with jurisdiction in your case. Provide any documentation that you have collected. Get a copy of your police report. Keep the phone number of your fraud investigator handy and give it to creditors and others who require verification of your case.
Financial Institutions. If you have checks stolen or bank accounts set up fraudulently, contact the institution to report the crime. Put stop payments on appropriate outstanding checks. Close your checking and savings accounts and open new accounts. If your ATM card is stolen or compromised, get a new card and PIN. When choosing a PIN, don't use common numbers like the last four digits of your Social Security number, your date of birth, license number or street address.
U.S. Postal Service. Notify the local Postal Inspector if you suspect an identity thief has filed a change of your address with the post office or has used the mail to commit credit or bank fraud.
Social Security Administration. Call to report fraudulent use of your Social Security number.
Department of Motor Vehicles (DMV). Call to see if another license was issued in your name. Go to your local DMV to request a new number. Also, fill out the DMV's complaint form to begin the fraud investigation process. Send supporting documents with the completed form to the nearest DMV investigation office. Request a driver's license number different than your Social Security number if available in your state.
Civil Courts. If a civil judgment has been entered in your name for actions taken by your impostor, contact the court where the judgment was entered and report that you are a victim of identity theft. If you are wrongfully prosecuted for criminal charges, contact the state Department of Justice and the FBI.
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Check Cashing Fraud
This guide provides tips for protecting yourself against check cashing fraud. Check cashing fraud occurs when individuals use information taken from your checks, or the checks themselves, to access your accounts and commit fraudulent acts. By following these simple guidelines you can greatly reduce your risk of becoming a victim.
Tips for protecting yourself against check cashing fraud
- Always safeguard your checks. Do not leave your checks out in an open area. Never leave your checks in your car or out on your desk at the office.
- Keep your blank checks and canceled checks in a safe place. Put them in a vault or other secure location. Destroy old blank checks if you are not going to use them.
- Limit the amount of personal information printed on the checks to your name and address. Use plain designed verify your identity, such as your driver's license number, social security number, and secret codes. Don't have this information printed on your checks.
- Don't leave your bill payments sitting in an unlocked mailbox for pickup. Many credit thieves will steal bills from rural mailboxes at the end of driveways so they can get your account information, checking information, and even your checks. Go to the Post Office directly or use a curbside USPS mailbox (the blue metal ones) and drop your bills in the slot rather than using less secure street mailboxes.
- Be discreet when writing checks in public places. Write your checks carefully and leave no space in which figures or words can be inserted.
- When you make an error in writing a check, be sure to destroy the check or write "canceled" across it and store it with your other canceled checks.
- If your checks are lost or stolen, report it immediately to your financial institution.
- Reconcile your monthly statements as soon as you can to ensure all transactions are accurate. Contact us immediately if you do not receive it when expected. Be sure to contact your institution within that time frame to ensure that proper attention is given to reconciling the problem.
- When you reorder checks, mark your calendar. If you don't receive your checks within 15 working days, contact your financial institution immediately to inquire as to the status of the order.
- Consider alternatives to check writing. For instance, paying by phone, online, billpay or setting up automatic payments. Fewer checks mean fewer theft opportunities. the bogus website is to deceive you into entering your personal information so the scammer's can steal your identity and commit crimes in your name.
Credit Card Fraud
Credit card fraud generally occurs when cards or card numbers are compromised. By following these simple guidelines your potential for loss can be minimized.
Tips for protecting yourself against credit card fraud
- Keep a list of all your credit cards including the account number and phone number to the issuing company.
- Review your credit card statement as soon as possible. Match charges with your receipts to ensure all charges are yours and are for the correct amount.
- Always sign a new credit card immediately.
- When making a purchase with a credit card, make sure you get the card back and the receipt. Check the receipt for accuracy.
- When using a credit card at a restaurant or store, make sure that all blank lines are marked through so that no one can change the final amount.
- Never sign blank credit card receipts.
- Only travel with the credit cards you plan on using.
- Never give the account number of the credit card over the phone unless you initiate the call.
- When making an order over the telephone, try to avoid using a cordless phone. Cordless phones messages can be easily intercepted by devices as unsophisticated as baby monitors and police scanners.
- Do not write the PIN for the account on the card.
Internet Security - Phishing Scams
Phishing is an internet scam in which e-mail spam or pop-up messages are used to deceive you into divulging personal or financial information over the internet. Phishers will send you an email or a pop-up message that appears to be from a company that you deal with – your credit card company, credit union or a government agency. The message usually requests that you update or validate account information and it will direct you to a website that looks just like the legitimate organization's website, but it isn't. The purpose of the bogus website is to deceive you into entering your personal information so the scammer's can steal your identity and commit crimes in your name.
Protect yourself against "Phishing Scams"
- If you get an email or pop-up message that asks for personal or financial information, do not reply. And don't click on the link in the message, either. Legitimate companies don't ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company's correct Web address yourself. In any case, don't cut and paste the link from the message into your Internet browser — phishers can make links look like they go to one place, but that actually send you to a different sites.
- Never give your personal information via e-mail. Cyprus Credit Union will never request personal information via email.
- If you want to update your information, go directly to our website by opening a new browser window, and typing www.cypruscu.com in the address bar.
Never go to our web site by clicking a link in an e-mail.
- When entering personal account information, verify that you are on a secure website. If the website is secure, you will find "https" in the address and a closed padlock in your browser's toolbar.
- Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files.
Phone Security - Vishing Scams
Vishing is a scam similar to Phishing, the scam involves sending a spam email or pop-up message telling you that your account has been compromised and will instruct you to call a phone number to verify your account information. An official sounding automated message will ask you to enter your personal financial information such as your 16 digit credit card number. Some of these scams involve a telephone call to the victim directly in which the caller already has your credit card number but asks you to verify the valuable three digit security code.
Protect yourself against "Vishing Scams"
- Never give your personal information over the phone. If you feel a call is suspicious, call the company directly to verif the authenticity of the call.
- Beware of organizations asking for charitable donations. If you want to donate money, contact the organization yourself to make sure that your money is going to the appropriate place.
Prevent fraud with Mobile Alerts
Stay connected and deter fraud with our free eNotify alerts. Our automated electronic alerts can be sent to by email, text message or both. With a wide array of alert options you’ll always know what’s happening with your account. Activate your alerts today. Log into Homebanking and click the ‘eDelivery’ tab to get started.