Your Security Is Our Top Priority
At Wheelhouse Credit Union, protecting your account information and providing a safe banking experience is one of our top priorities. We’ve gathered the tips below to help keep your information safe and secure.
Don't Be Scammed By Fake Friends
Wheelhouse Credit Union recently learned of a new scam happening to credit union members in San Diego County and we wanted to make you aware so you can protect yourself.
The scam starts by fraudsters asking to friend people on Facebook, Snapchat, Tinder and other social media platforms in order to gain information about them. Once they have information, they attempt to take over their bank account. In some cases, after an accepted friendship, text messaging and phone calls occur. The interactions are intended to gather as much information about you as possible, followed by hacking into your account and moving your money to another financial institution.
Ways to protect yourself:
- Do not post your birthdate on social media.
- Do not give out your account number.
- Never give out your password.
- Use Two-Factor Authentication.
Remember Wheelhouse Credit Union will not ask you for your password.
Tech Support Scam
Fraudsters may contact individuals directly by phone or email posing as a representative of a security software company. They may even spoof the caller ID and email address of a legitimate company. Fraudsters will convince individuals that their computer system has been compromised and personal or banking information was stolen. In some instances, fraudsters could remote into an individual’s computer to display error messages or some other convincing signs that there is a problem. To resolve these issues, fraudsters will offer a solution and ask for payment in the form of a one-time fee or subscription to a purported support service. In addition to the solutions offered, fraudsters suggest that they will provide a way for individuals to secure their money from further theft by wiring it into an international account.
Solutions to combat this fraud – Do not provide fraudsters with remote access to your computer, personal information such as online banking credentials, banking account numbers or other private information. Do not respond to phishing emails or pop-up messages. If you feel that you may have been a victim of fraud, please contact Wheelhouse Credit Union immediately at 619-297-4835.
Unemployment Benefits Fraud
With the rise of unemployment claims, fraudsters are targeting unsuspecting individuals to carry out scams on their behalf. Unemployment benefit payments may be in the form of electronic payments. These payments are deposited into an account under the fraudsters control or received by unsuspecting individuals who forward the funds to the fraudsters. Individuals forwarding funds to fraudsters may be victims of a romance or “catfishing” scheme or a work-from-home scam.
Solutions to combat this fraud – Do not provide your online banking credentials or banking information to fraudsters or deposit checks from unknown sources into your account. Legitimate companies do not overpay for services rendered or ask for money to be wired back. If you feel you have been a victim of this fraud, please contact Wheelhouse Credit Union immediately at 619-297-4835.
Stimulus Payment or Check Related Scams
Stimulus payments are paid in the form of direct deposits or through US Treasury checks. Fraudsters could steal checks out of the mail or produce counterfeit checks. Fraudsters may also contact individuals about overage payments received and ask for the overage to be sent back by cash, money order or wire transfer.
Solution – the Internal Revenue Service WILL NOT send a payment over what you are qualified to receive or ask that you send the overage back.
Wheelhouse is here to protect you. We have the available resources to verify the authenticity of US Treasury checks or verify funds deposited into your account.
Stimulus Payment Fraud
Fraudsters are contacting individuals through text, social media posts or phone calls informing them that they can get the stimulus payments faster or their payment is available pending verification of personal and banking information. These messages include a link directing individuals to a fraudulent government agency site called “U.S Emergency Grants Federation” or some other named agency. Visitors to the site are asked to provide personal and private information and in some cases, they are asked to pay a ‘processing fee’ in order to receive the stimulus payment.
Solution – Do not provide any information to the requested source, as the Internal Revenue Service (IRS), Social Security Department or other government entities do not contact individuals by social media posts, text messages, email or by phone. Also, the IRS will not use an outside agency to have your payment processed faster. To check the status of your payment, use the official IRS website at www.irs.gov and navigate to the menu “GET MY PAYMENT”. You will need your 2018 or 2019 tax filing returns for verification.
CALLS OR TEXT FROM YOUR FINANCIAL INSTITUTION
Fraudsters can spoof a financial institution’s caller ID and phone number and pose as a bank representative. Fraudsters will request online banking username and passwords, Social Security number, debit card PIN (Personal Identification Number) and other private information. As a reminder, Wheelhouse will not CALL or TEXT you for those personal information.
Solution – Do not provide any information to the requested source. Contact the financial institution using the number on their website to verify if the call was legitimate.
Additional Steps – Set up account alerts in Digital Banking to monitor account activity. To set up alerts: Log into Digital Banking > Settings > Notifications. For card alerts, download the Wheelhouse Card App to receive transaction alerts for all your Wheelhouse Cards.
COMMON METHODS USED BY SCAMMERS
The most common phishing email is: ‘An attempt was made to log into your account, please reset your password using this link.’
Solution – Do not click on any link and/or provide information requested by an email source. Plus, monitor suspicious activity on your accounts by setting up alerts on all digital services and applications.
Threatening Voicemail Messages
The most common threatening voicemail is: ‘The Social Security Department has suspended your account, call to speak to an agent to stop the adverse action now.’
Solution – Do not offer any information to the requested source, as the Internal Revenue Service, Social Security Department or other government entities do not contact individuals by phone.
The most common skimming scam is when a device, designed to read and capture card information, is attached to an ATM so that the perpetrators can duplicate your card and initiate transactions.
Solution – Protect your PIN when using a public electronic keyboard by shielding your input from onlookers and cameras. Download our Mobile Banking app and Card App and enroll to receive account alerts to proactively manage your account activities. You may also utilize our card suspension capabilities to turn off your card at any time. Reference the back of your cards to report a lost or stolen card. Wheelhouse Card Services: 844-484-0045 Option #2.
Account takeovers can come in many forms, however, the most common method lately has been when a perpetrator takes over your Apple ID, email account, social media properties and/or hacks into a service that stores your personal information.
Solution – Do not share your password. Enroll in two-factored authentication, when available. Contact the company’s customer hotline and notify them if you suspect you have been a victim of fraud.
TIPS FOR PROTECTING YOUR INFORMATION
Set a Strong Password
The longer the better—something you can remember but difficult for someone else to guess. You can use a string of words for a password, for example; 1LOVEWheelhouseCU. Change your password regularly.
Use Two-Factor Authentication
This adds another layer of security, supplementing your username and password with a code that only you have access to (typically sent to you by email, text or telephone call). We recommend you set this up as part of your digital banking login.
Monitor Your Account Activity
You are the first line of defense in detecting and defending fraudulent activity on your accounts. Keep an eye out for unfamiliar transactions, and set up account alerts to notify you of large transactions.
Secure Your Mobile Device
Keep your device up-to-date with the latest operating system and security updates. Do not modify the device software, install applications outside the established application stores, nor allow in Settings unknown developer sources to install applications, use strong passwords and available security biometrics such as TouchID or facial recognition features to unlock the device and use the manufacturer’s device recovery or location detection to erase data remotely if lost or stolen.
Be Very Careful with Your Personal Secure Information
Don’t give personal information to unsolicited callers. Don’t click on links in emails that ask for your personal information. Don’t respond to voicemails or phone calls asking to verify account information, reactivate service or threats of adverse action to your account. Don’t visit suspicious websites or follow links you don’t trust.
Protect Your Identity
Visit the Federal Trade Commission’s Identity Theft website or call 1-877-IDTHEFT (438-4338) to learn how to minimize your risk of damage from a potential theft of your identity.
Lost or Stolen card
Worried that your personal information or accounts are at risk?
To report a lost or stolen card, or if you are concerned that your account information is compromised, please contact us immediately at 1-844-484-0045.
Communicating Safely with Wheelhouse
Wheelhouse Credit Union will never call, email or otherwise contact you and ask for:
- Your online banking username, password, or other Digital Banking credentials.
- Your credit or debit card number or PIN.
- Your personal information, such as Social Security Number, Card Numbers, PINs or passwords.
- Remote access to your PC due to a compromise, virus or malware.
If you have a question about a Wheelhouse Credit Union email or text, do not click on any link or respond to the text message. Send us a secure message by logging into online banking or contact us by calling 888-907-3628.
Online Security and Cookies
To protect the information you provide us online, we use multiple levels of security. The application information we accept online and our Digital Banking service relies on industry standard “Secure Sockets Layer” (SSL) encryption to secure your transaction information and communication. When you visit our website, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we use “cookies” to track your visit. A “cookie” is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require or collect personal identity information and you remain anonymous. Your member information is not accessed by or stored within a cookie in any way.
COMPUTER SECURITY TIPS
Keep your computer up-to-date
Protect your computer through the use of active, up-to-date anti-virus software and firewall protection. Keep your operating system, browser, and other applications updated with the latest security patches.
Use secure connections
Avoid making online transactions while at wireless hotspots or Internet cafés. Always check for the browser “lock” icon in the URL address bar. Be aware that this only signifies a secure communication channel, not necessarily a legitimate website.
Monitor Your Transactions
Log in and check your account statements or transaction history regularly. Report any suspicious or unauthorized transactions immediately.
Monitor Your Credit Report
Check credit reports to spot accounts that may have been opened without your knowledge.
When finished with Digital Banking, use the “Logout” option. This completely logs you out, avoiding any potential unauthorized use. When stepping away from your computer use the Logout option as well; Wheelhouse Credit Union system will time out after a short period, but not immediately.
When you create your Digital Banking account, you will be asked for the following information:
- Member Number
- Social Security Number
- Date of Birth
- You will also be asked to provide one of the two following pieces of information: E-mail address or Zip Code
- Minimum eight characters in length
- Must include one numeric digit
- Must include one uppercase character
- Must include one lowercase character
- It is highly recommended that you set up two factor authentication as part of your login process.