March 19, 2014
TELEPHONE PHISHING SCAM
We have learned of a widespread telephone phishing scam concerning debit card holders. Cardholders may receive what appear to be
automated phone calls or texts, telling them that their ATM/Debit cards are locked.
The automated message requests call recipients to "Press 1" where they are to enter their 16-digit card number into their telephone key pad.
Once this is entered, the scammers are then requesting the card’s Personal Identification Number (PIN). The scam artists are attempting to
obtain customer card numbers and PINs in order to gain access to customer accounts via ATMs or POS (point of sale) purchases.
First Choice Community Credit Union does not request card, account information or PIN numbers from cardholders over the phone. In many cases,
phishing scams, whether by phone or through emails, attempt to gain personal information from the call or email recipients such as:
- First and Last Name
- Debit Card or ATM Card Number
- Debit or ATM Card Personal Identification Number (PIN)
- Date of Birth
- Social Security Number
- Account Number and/or Account Type
If you suspect a phishing attempt, please capture as much information as you can. Once the information is gathered, please forward the
information to the credit union.
December 23, 2013
IMPORTANT INFORMATION CONCERNING THE TARGET SECURITY BREACH
We have been notified of a security breach at Target stores. The security breach affects purchases made at Target stores between November 27
and December 15, 2013. We are closely monitoring the situation. First Choice and our card processor is closely monitoring any impacted member
debit or credit cards. We will notify you by mail if your card has been compromised due to this security breach. You can continue to use your
current card; however, if your card has been potentially compromised, we recommend that you cancel your card. The phone number to cancel your
card is located on the back of your First Choice debit or credit card. If you decide to cancel your card, you will receive a new card in 7 to 10
business days. If you do not cancel your card, please monitor your account closely.
We will provide more updates as information becomes available.
June 27, 2012
BBB Warns: New Scam Claims President Obama Will Pay Your Utility Bills
The Better Business Bureau has issued a nationwide warning about a new scam claiming that President Obama will pay your utility bills
through a new federal program.
How the scam works:
Consumers have been contacted through telephone calls, fliers, social media and text messages with claims that
President Obama is providing credits or applying payments to utility bills.
To receive the money, scammers claim they need the consumer's social security and bank routing numbers.
In return, customers are given a fraudulent bank routing number to pay their utility bills through the automated
telephone payment service. The payment service initially ‘accepts’ the payment but then declines it within a few
days when the bank account number is discovered to be fake.
The BBB has these tips to avoid becoming a victim of this scam:
- Never provide your social security number, credit card number or banking information to anyone requesting
or anyone who calls you, regardless of whom they claim to be representing.
- If you receive a call claiming to be your utility company and feel pressured for immediate payment or personal
information, hang up the phone and call the customer service number on your utility bill.
- Never allow anyone into your home to check electrical wiring, natural gas pipes or appliances unless you have
scheduled an appointment or have reported a utility problem. Also, ask utility employees for proper identification.
- Always think safety first. Do not give in to high pressure tactics over the phone for information or in person
to get into your home.
For more information about identity theft scams, please visit the
October 7, 2010
NCUA, the National Credit Union Administration, Reports Fraudulent E-mails
In cases reported to NCUA, the perpetrator(s) sent fraudulent e-mails, representing to be from
the NCUA, to credit union members and the general public. The emails state the NCUA will add $50.00 to the member's
account for taking part in a survey. The link embedded in the message directs members to a counterfeit version of
NCUA's website with an illicit survey that solicits credit card account numbers and confidential personal information.
NCUA will never ask credit union members or the general public for personal account or personally identifiable information
as part of a survey. Any e-mail that alleges to be from NCUA and asks for account information is fraudulent and should
be treated as suspicious. Credit union members should remain alert to possible variations of this fraudulent e-mail.
Members affected by this scam, and variants of this scam, should be advised to forward the entire e-mail message to
. Additionally, formal complaints concerning any suspected fraudulent e-mail can be filed with the
Internet Fraud Complaint Center (IFCC) at
July 22, 2010
We have received reports that individuals and/or companies have received a fraudulent
e-mail that has the appearance of having been sent from the Electronic Payments Association.
The subject line of the e-mail states: "Unauthorized ACH Transaction". The
e-mail includes a link that redirects the individual to a fake web page and contains a link which is almost certainly an
executable virus with malware. DO NOT CLICK ON THE LINK.
Both the e-mail and the related website are fraudulent.
Be aware that phishing e-mails frequently have links to web pages that host malicious code and
software. Do not follow web links in unsolicited e-mails from unknown parties or from parties with whom you do not
normally communicate, or that appear to be known but are suspicious or otherwise unusual.
November 13, 2009
Please be aware that random individuals, companies as well as
financial institutions may have received a falsified e-mail with the subject title "Rejected ACH Transaction.
" This e-mail appears to be from NACHA - The Electronic Payments Association telling them that there is a
problem with an ACH transaction they have originated. The e-mail includes a link which redirects you to a fake web page
which appears like the NACHA website and contains a link which is almost certainly an executable virus with malware.
DO NOT CLICK AND/OR RESPOND TO THIS E-MAIL.
From: nacha.org [mailto:firstname.lastname@example.org]
To: Doe, John
Subject: Rejected ACH transaction, please review the transaction report
Dear bank account holder,
The ACH transaction, recently initiated from your bank accout, was rejected by the Electronic Payments Association.
Please review the transaction report by clicking the link below:
Unauthorized ACH Transaction Report (this is how the link is presented)
Should you have any questions about any suspicious e-mails in regard to your
First Choice Community Credit Union account, please feel free to contact us. Your safety and security is important to
We have received reports of emails stating they are from the Credit Union National
Association or CUNA. The email states that the member must update their information to avoid their account from
being restricted. If you ever receive an email asking you for account or card information – DO NOT
RESPOND to the email and notify us immediately. We will never ask you for this information via email. It is
our policy that, if we need information, we will contact directly. We also suggest that if someone contacts you
asking for private information – Do not provide the information until you disconnect the call and call them back
at their published phone number.
CUNA has reported of a identity theft scheme. In this latest scam, the defrauder
e-mails a survey requesting feedback on your financial institution. CUNA warns that this is a scam and that
the message should be deleted. There is no monetary reward for filling out the survey. CUNA and First
Choice Community Credit Union will never transmit e-mails requesting your credit union password, pin number, or other
personal identity information. Please report any such attempts to