Protect Your Financial Privacy and Account Security
Wanigas Is Committed to Your Financial Privacy and Account Security. If you suspect a scam, call the credit union directly at 989.799.9800 or 800.675.2285 to inquire about your account.
Please be aware that Wanigas Credit Union will never call, text or email you to request your personal sensitive information, such as your Social Security number, your credit/debit card number(s), or your Online/Mobile Banking username and password. If you receive a phone call from someone claiming to be a financial institution or other organization requesting such information, you are most likely being contacted by an impostor. It is important that you never give out your personal credentials.
New form of phishing, Tricky PDF Files
Cybercriminals have a new favorite form of phishing: PDF Files. A PDF is a standard file that presents text and images in their original format regardless if you open it in a web browser or other programs. This makes them a valuable asset to cybercriminals since they can disguise malicious links as common images or hyperlinks within the PDF.
Avoiding these tricks can be difficult, but here are some tips to help.
Never click or download an attachment from an email that you were not expecting.
Always think before you click, often images within emails contain links. Make sure that the email is from a reliable source before clicking on any images.
Be Careful What You Download, Malicious Mobile Apps in Disguise
Malicious apps have been discovered within the Google Play store that have been disguised as generic VPN and audio control apps. Once these apps are downloaded, the apps will install Trojan viruses that infect your device and could allow fraudsters access to your banking apps.
Google has since removed numerous fake applications from their play store. However, it is still important to do your research before downloading an app. Here are some quick tips:
- Read reviews and check out the ratings of the app. Try to find some poor reviews since these are less likely to be faked.
- Avoid applications that have few to no reviews at all.
- View how many times the app has been downloaded. If the number is low, you might want to check its credibility.
- Only download apps from trusted publishers. Official app stores allow everyone, including cybercriminals to publish applications.
Beware Of Fraudsters! Keep Your Identity Secure!
Fraudsters have become increasingly adept at getting consumers to share the information they need to commit fraud by posing as financial institution call center agents or by sending text messages that look like they are coming from the institution, warning of suspicious transaction activities.
Here are a few important tips to remember:
- Wanigas will never call, text or email you to request personal sensitive information.
- Don't trust caller ID; Caller ID may be modified to show a financial institution's name.
- Don't provide your online banking log in credentials, Secure Access Code (SAC), account number or personal information by email or text or phone call.
- Don't give information over the phone if you receive a call stating that a transaction is canceled, even if the caller claims to be from Wanigas or a another financial institution. Once again, contact Wanigas at 989.799.9800 or 800.675.2285 to inquire about a transaction.
- Don't click on links in unsolicited emails or texts.
Common Types of Fraud
Cybercrime is much more common than you would think and can come in various forms. The best way to keep yourself protected from fraud is to know the different types of fraud out there.
A credential breach is when a cybercriminal gains access to your personal username and password. This is most often the case for individuals who use the same password across different online platforms. Credential breaches are the reason it is important to have a secure, unique password for separate accounts.
Once a fraudster gets ahold of your personal information, they will use your Social Security Number, Name, and any other valuable information to open new lines of credit and drain your assets. This is why it is important to monitor your credit report annually.
Cybercriminals will steal card information from fake websites, data breaches, public Wi-Fi system breaches, and much more. They will then use the card information to make purchases under your account.
The easiest way to prevent this from happening is to never store valuable card information on websites, mobile apps, or any other accessible digital format.
ATM fraud can come in various forms, the most common being Skimming & Shimming.
Skimming is the process of putting a skimmer, a device that looks like a card slot, over the actual card slot and an overlay over the keypad. Shimming is when a fraudster inserts a device within the card slot that will read card information once it is inserted. Fraudsters will then take this information to create duplicates of your card without you even knowing it.
To prevent this, always inspected the ATM before using it, don't be afraid to give the card reader or pin pad a little wiggle before using it. If you do notice any suspicious activity such as a hidden camera, loose card reader, or difficulty while inserting your card, do not use the ATM and report it to the financial institution or police.
Cybercriminals will use malware (malicious software) to destroy computers and to steal your personal information. Cybercriminals will hide malware within links, downloads, or attachments within emails or hacked websites.
Examples of malware include viruses, spyware, adware, and ransomware.
The easiest way to prevent malware from infecting your computer is to install and maintain an antivirus program on all of your devices.
A phishing attack is when cybercriminals use email or hacked websites to gather personal information by posing as a familiar organization. The most common phishing attempts come as emails with links or attachments asking for detailed information. The best way to prevent this threat is to never click on links or attachments from an unexpected source.
Phishing attempts can also arrive in forms of text messages (called Smishing) or voicemail (called Vishing).
Click Here to Learn More Fraud Tips
Learn How To Stay Protected
Every Day Safe Practices
- Do not share your debit/ATM card pin with anyone
- Continue learning about current fraud strategies being used
- Monitor your account and credit report for any abnormal activity
- Do not store account / personal information in areas that are accessible by other people
- Shred sensitive documents being thrown away or utilize our Shred Days for safely and securely destroying private documents
Safe and Secure Online Practices
- Use a username that is different from your account number
- Change your passwords every 90 days, and do not use repeated passwords for more than one account
- Utilize Secure Access Code (SAC) feature on all devices
- Use a unique password that is separate from any other online accounts
- Be conscious of all links, downloads, or attachments and where they are coming from
- Utilize eAlerts to receive an email, Voice, SMS Text message, or a Secure Message for account activity, transaction, and security alerts.
Online Account Security
To access the secure delivery contact information, please click here.