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Fraud Terms

The sooner fraud is detected, the lower the financial impact. Knowing the names for different types of fraud and theft can help you identify deceit to protect your personal and banking information.

Learn about the different types of fraud and theft.

Phishing
“Phishing” (pronounced “fishing”) is when someone attempts to trick you into giving them confidential banking or personal information by using a fake website so they can steal your money or identity. Phishing can be done using email, phone calls or voicemail (known as “Vishing”) or via text (“referred as “Smishing”).

Vishing
Vishing or “voice phishing” scams occurs when a criminal contacts you by phone instead of email. They’re able to spoof caller IDs to make the phone number appear as a legitimate business to try to trick you into giving them confidential banking information so they can steal your money and identity.

Northeast Credit Union will never call, email or send a text message and ask you for your account numbers, PIN or other personal information.

Smishing
Smishing takes place when a fraudster sends a text message advising you to call a particular phone number or visit a website immediately. They use fear and sense of urgency in warning you that something bad will happen to your account or legal action will be taken against you (like being arrested) if you do not act right away.

Skimming
This is a technique in which criminals use a small device attached to card readers (such as ATMs and gas stations) to steal card information. When a card is swiped through a skimmer, the skimmer captures and stores all the data on the card.

Email Fraud
This fraud approach uses a bogus email that looks like an official email from a business. It’s designed to get you to click on a link that may install malware onto your computer or lead you to fake website.

Identity Theft
Identity theft happens when someone steals your Social Security number or other personal information to open accounts, open new loans, and make purchases or to file a fraudulent tax return.

Mail Fraud
This happens when someone steals your mail (or dumpster dives by going through your trash) to get your account or other sensitive personal information.

Help us keep you safe

It’s very important that we have your current contact information (including phone numbers for home, work, mobile and email address) in case we need to notify you of a potential fraud risk.

Your participation and immediately responding to our contact efforts is a crucial step in helping to prevent fraud from happening to you.

Contact us with your most up-to-date contact information

Notify us if you will be traveling and using your Debit or Credit Card to avoid service interruptions

• To report Fraud on your Debit or Credit Card call 888-436-1847 or send us a secure message through Online Banking under ‘Message Center’.

Block a lost or stolen card using our Cardvalet® app or by calling 888-436-1847 and select option #3 or through Online Banking under ‘Services’, ‘Lost, Stolen Card’.

Northeast Credit Union will never call, email or send a text message and ask you for your account numbers, PIN or other personal information.