Protect your money and yourself against fraud.

Fraud Prevention

At Arlington Community Federal Credit Union, your safety and well-being come first. We monitor for fraudulent and suspicious activity on all accounts, but we want to ensure you understand fraud prevention so you can protect yourself. That’s why we recommend you never provide any personal, private information via phone or email and we keep you updated on current fraud schemes.

How You Can Fight Fraud

为了保护自己,你能做的最重要的事情就是冻结你的信用报告. 这将使欺诈者更难以以你的名义开设贷款和银行账户.

You can place the freeze for FREE at these links:

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How ACFCU Fights Fraud

  • We will NEVER solicit personal information from you for non verification purposes, including your full social security number or PIN.
  • ACFCU has an enhanced fraud prevention system with automated call, text, 还有电子邮件选项,让你接收通知,检查可疑活动和交易.
  • You can immediately text the provided command word, interact with the automated phone system, or speak with a live agent.
  • 我们要求您保持您的联系信息是最新的,这样我们可以很容易地联系到您并提醒您.
  • If at any time you’re suspicious of a communication from ACFCU, call 703-526-0200 to verify the validity—we’re with you and your well-being is our number one priority.

Ensure Your Account Is Protected

Verify your account information today.

Protect your account by making sure your contact info, especially your cell phone number, is up to date. Having current contact info allows us to notify you in case of potential fraud situations.

按照这些简单的步骤,今天就可以在移动应用程序或网上银行中更新和验证您的个人信息.

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What to Watch For

  • Unusual Account Activity
    • 我们鼓励我们所有的会员定期检查他们的账户交易活动,他们不认识, including fraudulent deposits.
    • 这些存款通常在骗子已经取出后被当作假钞退回, leaving you responsible for that amount.
    • If you find a suspicious transaction, immediately notify ACFCU for potential fraud to protect yourself.
  • Skimming

    略读从信用卡或借记卡中获取磁性信息,并将其用于欺诈目的. To help prevent your card from being skimmed:

    • Don’t use an ATM or credit card machine that looks tampered with.
    • Protect your PIN with your hand when you enter it into an ATM or credit machine.

     

  • Phishing

    网络钓鱼诈骗包括“欺骗”电子邮件和欺诈性网站,它们看起来像是由你已经认识的人或组织发送的,并要求你提供或“验证”你的个人信息, private information (passwords, credit card numbers, account numbers, etc.). To avoid phishing:

    • Be cautious when using the internet and responding to telephone solicitations.
    • 对任何标记为紧急请求并要求提供个人信息的电子邮件都要保持警惕.
    • Do not click on the links in an email you’re unsure is authentic.
    • Look for “http://” to appear in front of a web address when giving your debit or credit card info.
    • Review your statements regularly.
    • 要怀疑那些声称来自你的金融机构并要求你提供信息的电子邮件.
    • Install a firewall and anti-spyware on your computer.
    • Update your browser with security patches regularly.
  • SMIShing

    SMiShing, a combination of “SMS”, the technical term for texting, and “phishing,” uses text messages to prompt individuals to provide the “SMiSher” with their personal, private information. To avoid SMiShing:

    • NEVER respond to text messages requesting personal, private information. If suspicious activity has been detected on your account, 我们将打电话或发短信,您可以按照说明回答有关您最近信用卡活动的问题.
  • Identity Theft

    Identity theft, the fastest-growing crime in the country, occurs when someone steals someone else’s personal, private information and then pretends to be that person. Minimize your risk of identity theft:

    • 除非是你发起的交易,否则不要在电话或互联网上提供个人信息.
    • Do NOT carry your social security card in your wallet.
    • 把你随身携带的所有卡片和信息(正面和背面)都复印一份,以防钱包被盗,并将它们保存在安全的地方.
    • Destroy all unused preapproved credit card offers immediately.
    • 如果你打算长时间不在城里,每天都要及时把邮件从邮箱里取出来,并要求邮局把你的邮件保存到你回来.
    • Check your FREE credit report annually to ensure all information is accurate.
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Other Common Scams

  • Cashier’s Check Scam

    This scam involves the distribution of cashier’s checks that appear to come from ACFCU, but are actually fraudulent. If you receive an unexpected ACFCU cashier’s check, immediately contact us before depositing it to determine whether it is legitimate or not.

  • Grandparent Scam

    这种长期存在的骗局以年长的受害者为目标,假装是他们的孙子或孙女,要求他们在紧急情况下给他们汇款, without providing too many details. They may say things like “please don’t tell Mom or Dad” or “My nose is broken, so I may sound strange.”

  • Jury Duty Scam

    诈骗者冒充司法官员或警察,用伪造的执法电话号码或姓名打电话给人们,让他们知道他们没有报到陪审义务,欠了罚款.

  • Medicare Scam

    In 2019, 联邦政府用11位的身份证号取代了印有登登者社会安全号码的医保卡,以帮助保护老年人免遭身份盗窃. Now, 骗子试图诱骗人们给他们新的11位识别号码,这样他们就可以接管他们的身份.

  • Sweetheart Scam

    这通常涉及到一个约会网站账户,上面有虚假的信息和照片,作为一个好得令人难以置信的个人资料. Once a target has been established, 这种骗局通常升级为小偷揭露金钱问题,可能包括要求你提供资金,这样他或她就可以亲自去见你或帮助生病的亲戚.

  • IRS Scam

    这些骗子声称受害者欠美国国税局的钱,必须及时付款,否则将被逮捕, deported or have their driver’s license suspended. Sometimes, the caller becomes aggressive, 警告人们,如果他们不立即付款,治安官或当地执法人员将出现在他们的门口. The IRS will never call to demand immediate payment over the phone, threaten to bring in local police, ask for credit or debit card numbers over the phone, or require you to use a specific payment method for your taxes.

  • Tech Support Scam

    This scam can occur through a phishing email, a phone call, a pop-up ad or a locked screen on your device with a phone number to call to fix it. Legitimate customer, security, or tech support companies will not initiate unsolicited contact with individuals.

  • Friend/Relative In Hospital Scam

    This scam involves someone reaching out to you claiming to be a friend or relative, 他们告诉你,他们在国外的医院里,不付手术费就不能离开. 他们鼓励你电汇到一个外国银行账户,实际上是由欺诈者拥有的.

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Tips To Strengthen Your Digital Presence

  • Don't Overshare on Social Media

    Be mindful of the information you share on social media platforms. 网络罪犯经常利用从你的档案中收集的个人信息来攻击你,甚至你的家人.

  • Don't Click on Suspicious Links

    通过验证电子邮件或消息中意外链接的合法性,对网络钓鱼尝试保持警惕, as these scams aim to exploit trust and compromise your online security. If you receive a call from someone claiming to be from a trusted company, even if the caller ID seems legitimate, 最好是结束电话,并使用可信号码独立联系该公司,以验证电话的真实性.

     

  • Protect Your Social Security Number (SSN)

    Your SSN is a precious piece of information. Only disclose it when absolutely necessary and to trusted entities.

  • Hang Up on Robocalls

    如果您收到不请自来的电话,要求提供敏感信息,如银行账户详细信息, SSNs, birthdates, or any other personal data, hang up immediately. Legitimate organizations won’t ask for such information without a valid reason.

  • Enable Multi-Factor Authentication (MFA)

    Enabling MFA on your accounts is crucial in securing your digital presence, 大大降低未经授权访问的风险,并保护您的敏感信息免受潜在的安全威胁.

  • Monitor Billing Cycles

    Pay close attention to your billing cycles. If you notice that bills or financial statements are delayed, contact the sender to verify the situation.

  • Review Financial Statements

    Regularly review your credit card and bank account statements. 将收据与账单上的信息进行比对,及时发现任何未经授权的交易.

  • Shred Sensitive Documents

    Dispose of sensitive documents such as receipts, credit offers, account statements, and expired credit cards by shredding them. This helps prevent identity theft, especially from people rummaging through trash.

  • Set Large Transactions Alerts On Your Account:

    By signing up for these alerts, you’ll immediately be made aware of any suspicious activity associated with your accounts. Staying aware of account activity is important, particularly if there’s fraud.

    Here are the steps to set up alerts on your account:

    1. Login to Online or Mobile Banking.
    2. For mobile, click the “More” menu at the bottom of the screen.
    3. Click on “Notifications” and “Alerts”.
    4. Select the account for which you want to set up an alert.
    5. Click the toggle button for “Transactions” and set your preferences in the window that opens.
    6. Set your dollar amount and delivery method. You can get a text, email or push notification, or all three!
    7. Click Save.

  • Check Your Credit Reports Annually

    Obtain and review your credit reports from major credit bureaus at least once a year. 确保没有可能对你的信用评分产生负面影响的可疑活动或错误.

  • Freeze Your Credit Files

    If you suspect your identify has been stolen, consider freezing your credit files with Equifax, Experian, Innovis, or TransUnion. Freezing your credit can help prevent unauthorized access to your credit history, making it more difficult for identity thieves to open accounts in your name.

保护自己免受欺诈:如果您有任何问题或疑虑,请通过手机或网上银行的安全消息直接与中华总工会联系, an email to acfcu@mollybillion.com1 (email is not secure, so don’t include any private info) or by calling: 703.526.0200 x4.

The Fine Print

虽然我们确实监控欺诈或可疑活动,并可能主动就此类活动与您联系, 我们永远不会打电话要求提供机密信息,如您的整个账号或密码. Contact us: 703.526.0200 x4 if you have provided confidential information. Message and data rates may apply.

1请不要通过电子邮件或联系表格提交您的帐户号码或社会安全号码. 发送的信息如果通过互联网传输,则有丧失机密性的风险.