We are a Christian Credit Union that helps you match your need for solid financial products with your desire to become a good steward.

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Fraud Protection

Phishing Scam Alert
December 8, 2009

Another wave of texting and phishing scams is surfacing. A text message that claims to be from Christian Community Credit Union is requesting you to call a number in order to unlock your account.



Christian Community Credit Union will never send text messages, instant messages or email members asking them to provide and/or verify their Social Security Number, account number or personal identification information including passwords or Personal ID Number (PIN). 

If you were a victim of this scam and supplied confidential information to someone else, please contact us immediately at 800.347.CCCU. We will take steps to protect you.

Remember:

  • Never provide personal or account information in response to any unsolicited request (by email or by phone).
  • Beware of any unsolicited email that threatens to close or suspend your account(s) or online account access.
  • Beware of any unsolicited email that requests you to provide personal account information that Christian Community Credit Union should already know.



Important Warning: Phishing Scams on the Rise

A current issue gaining national media attention is an email scam known as “Phishing”. “Phishing” is an attempt at identity theft where thieves send emails to consumers requesting that they “verify” or reveal personal data.

Things You Should Know About Our eMails:

We never request personal information through email.
We will never ask you to “verify” information in an email.
We will never ask you to click on a link to a “special” website to verify or request personal information.

Protect Your Card from Online Fraud

Verified by Visa and MasterCard SecureCode is a free service that allows you to create a password to confirm your online purchases. It ensures you that only you can use your Visa or MasterCard credit card online and protects you from unauthorized purchases. Once activated, your card will be automatically recognized as protected by either Verified by Visa or MasterCard SecureCode at participating online stores. Shop online with added safety and peace of mind.

> Sign up for Verified by Visa
> Sign up for MasterCard Secure Code

Would You Know What to do if Identify Theft Happens to You?

Identity theft can destroy you financially, and restoring your good name and credit can be very costly and time consuming. Identity Theft occurs when someone uses your personal information to commit fraud and other crimes. It may also involve computer fraud, mail fraud, wire fraud, and financial institution fraud. Last year, an estimated 10 million Americans became victims of identity theft. On average, in reclaiming their identity, a victim spends $1,500 out-of-pocket and 175 hours resolving problems associated with it.



Protect Your Name

Identify Theft is a very real and damaging crime. It happens when someone uses your personal information, unlawfully accesses your financial accounts, and steals your funds and credit. This type of crime can be particularly devastating – ruining your credit and causing you to be denied things like insurance, mortgages, and in some cases, jobs. Protect yourself against identity theft with these tips to becoming a savvy, safe consumer:

 
1. Do not give out personal information such as your account or credit card numbers unless you initiate the contact. In other words, do not feel obligated to provide information to unsolicited people and agencies.
2. Report lost or stolen checks immediately, properly store cancelled checks, and examine new check orders to verify that no checks are missing.
3. Destroy financial solicitations, documents, statements, or receipts before discarding them.
4. Guard your ATM PIN number. Throwing away receipts without destroying them could leave you and your account vulnerable.
5. Make sure your mailbox is secure and collect mail promptly as it’s delivered
6. Contact a credit-reporting agency annually to review your credit status and files.
The three major bureaus are:
Equifax 800.685.1111
Experian 888.397.3742
TransUnion 800.916.8800
 

 

If you have been a victim of Identity Theft, take action immediately by contacting the following resources:

1. Any CCCU Financial Service Consultant at 800.347.CCCU (2228)
2. Your local Police Department
3. The Social Security Fraud Hotline: 800.269.0271
4. The FTC Identity Theft Hotline: 877.IDTHEFT (438.4338) Armed with
    knowledge and good sense, you can go about your business knowing that
    CCCU is your financial partner, keeping you informed and helping you take
    care of your finances. Be safe and happy!
    > FTC National Resource for Identity Theft

More Resources
> ID Theft Assesment
> Common Practices
> Preventing ID Theft
> Your Rights
> Monitoring & Protection
> Recovery Guide
> Resources
> Glossary


CardLockTM

Our innovative Cardlock service puts the power to prevent credit and debit card fraud in your hands. With one quick phone call to the automated system—or a visit to the secure website—you can lock or unlock purchase authorization on your card account. It’s a simple way to protect your payment card from fraudulent usage anytime, anywhere.

Use it from time to time or all the time—the choice is yours. No matter how you choose to use CardLock, if anyone tries to make an unauthorized purchase while your card is locked, you’ll be automatically notified by phone of the transaction attempt.

CardLock works hand in hand with advance fraud protection systems already in place, but gives you a greater role in the fight against fraud. After all, prevention is always better than the worry, stress and inconvenience that follows fraudulent use of your credit or debit card.

Enroll in our CardLock service today!
> Learn more and enroll