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Fraud: Simple Steps for Protection Simple Steps to Protect Yourself from Fraud
As your credit union, it's important to us that you take every precaution to protect yourself from fraud. Here are some simple steps you can take to avoid becoming a victim of this growing crime.
Review your credit reports annually
The FACT Act allows you to receive a free credit report every year from each of the three major credit reporting agencies.
Order your free annual credit reports at www.AnnualCreditReport.com.
Review your accounts online
People who monitor their financial accounts and transactions online lose significantly less per fraud incident than those who rely on paper statements.
People who use the Internet to check their bank and credit card accounts have an average loss of $551 per incident, according to one survey. Those who wait for paper statements to arrive averaged $4,543 in losses - more than eight times as high.
Receive financial statement electronically
Electronic statements are an effective way to prevent mail fraud. Mail theft occurs any time of the year, but most frequently from January to March when your annual statements and tax documents are arriving.
Protect paper documents
Shred confidential documents and credit offers before discarding
Receive your financial statements online instead of in the mail.
Review account statements promptly.
Use secure mailboxes to send and receive mail.
When you complete an application for a merchant discount card or similar item, ask what security measures are in place to protect your personal information and how your application will be disposed of when it is no longer needed.
Protect yourself online and on the telephone
Use caution when asked for personal information over the Internet. Don't provide personal information by phone unless you initiated the call.
Be aware of current scam tactics such as phishing and spoofing.
Use firewall protection on your computer.
Download Windows updates
Install antivirus and anti-spyware programs on your computer.
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Don't Get Hooked By Phishing
Phishing is accomplished by sending fraudulent e-mail messages to a user and falsely claiming to be a legitimate organization in an attempt to scam the user into surrendering confidential information that will be used for identity theft. The e-mail directs the user to visit a Web site where they are asked to update personal information, such as the user's Social Security number, passwords, credit card numbers, bank account numbers, etc. The Web site, however, is bogus and set up only to steal the user's information. Your credit union urges you to practice good security habits.
* Do not reply to an unsolicited e-mail. And, don't click on the link in the e-mail.
* Never disclose any personal or financial information by way of an unsolicited e-mail. This includes Social Security number, account numbers, credit card numbers, and Personal Identification Numbers (PIN).
* Don't e-mail personal or financial information. E-mail is not a secure method of transmitting personal or financial information.
* Only provide your ID and password when your browser shows a connection that is encrypted.
* If you have initiated a transaction and want to provide personal or financial information through an organization's Web site, look for indicators that show you that the site is secure - a lock icon in the browser's status bar and a URL for a Web site that begins "https:" (the "s" stands for secure).
If you receive an e-mail requesting personal and/or financial information and it appears to be from your credit union, do not reply. Call and let us know that you received an e-mail requesting such information. Remember, we do not ask for personal or financial information by e-mail.
Remember, be Internet savvy and don't get PHISHED.
"In Case of Emergency" (ICE)
Store the word "ICE" in your cell phone address book and against it enter the number of the person you would want contacted "In Case of Emergency".
In an emergency situation, ambulance and hospital staff will be able to quickly look at your cell phone and find out who your first contact should be and be able to contact them.
For more than one contact name, use ICE1, ICE2, ICE3, etc.
It could really help emergency services do thier job and could even help save your life.
FREE CREDIT REPORT
Because so much rides on your credit history, it is very important for you to know what your credit report contains. It is a very good idea to review your credit report every year to ensure the information is up to date and no fraudulent or incorrect data is present.
As of September 1, 2005, consumers in New Jersey may request a free copy of their credit reports. The Federal Fair Credit Reporting Act, as ammended by the Fair and Accurate Credit Transactions Act, requires each of the nationwide consumer reporting companies to provide consumers with a free copy of their credit report every 12 months.
The three nationwide consumer reporting companies have set up one central website, one toll-free telephone number and one mailing address through which consumers can order a free annual credit report. You may order from each of the three companies at the same time or from only one or two.
To order:
Click www.annualcreditreport.com
Call (877) 322-8228, or
Complete the Annual Credit Report Request Form available at www.ftc.gov/credit and mail it to Annual Credit Report Request Services, P.O. Box105821, Atlanta, GA 30348-5281.
If you would like additional information on the agencies, or if you have errors on your credit report, you should contact the agency reporting the fraudulent or incorrect data. Contact information for the three agencies is listed below for your convenience.
Equifax
P.O. Box 105873
Atlanta, GA 31348
Toll free (888) 841-7335
www.equifax.com
Experian
P.O. Box 9601
Allen, TX 75013-2104
Toll free (888) 397-3742
www.experian.com
Trans Union
2 Baldwin Pl.
Chester, PA 19022
Toll free (800) 916-8800
www.transunion.com
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Just for Laughs The IRS
Did you ever notice?
When you put the two words "The" and "IRS" together it spells "THEIRS"? ATM Machine Locations 8 ATMS for Convenience
Now there are six Credit Union ATM MACHINES available in ATLANTIC HEALTH FACILITIES.
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Overlook Hospital - 4th floor by the cafeteria
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Morristown Memorial Hospital - 1st floor (Simon 1), next to the pay phones
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Morristown Memorial Hospital - Lobby of the Goryeb Children's Center
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Atlantic Ambulance - Dorsa Ave, Livingston
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Corporate - South St, Morristown
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Atlantic Rehab Institute - Mt Kemble Ave, Morristown
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Carol G. Simon Cancer Center - by valet entrance
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Overlook-Union Campus - by Emergency waiting room
These machine's are "FEE FREE" for those using their Atlantic Health Employees Federal Credit Union ATM/Debit Card. There is a $ 1.25 to $1.50 surcharge for those using other ATM cards.
*** MONEY ORDERS ***
Money orders are available in the credit union office. Stop in and see how easy it is to buy one. We can simply transfer funds from your account or you bring in cash.
Buy money orders at the credit union office while you are making a deposit, changing your direct deposit or utilizing any of our other convenient services.
Maximum amount for a single money order is $1,000.00. There is a fee of $1.50 per money order.
All you have to do is fill out the Money Order Request form. We will withdraw the funds requested plus the $1.50 fee from your account.
It's as easy as that! |
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| ATM Safety Tips | |
Quick ATM Customer Guide
To enhance the security of the ATM customer experience
 Use ATMs where you feel the most comfortable
Avoid using the ATM if there are any suspicious-looking individuals around
Have your card ready in your hand before you approach the ATM
Do not use the ATM if you notice anything unusual indicating it may have been altered
Be especially cautious when strangers offer to help you at an ATM, even if you are experiencing difficulty with the transaction, never allowing anyone to distract you while you are at the ATM
Do not let anyone see you enter your PIN; you should shield the keypad with your hand when entering your PIN
Never disclose your PIN to anybody, not even to the bank or police
If you feel the ATM is not working normally, press the Cancel key and withdraw your card and then proceed to another ATM
If your card gets jammed, retained or lost, or if you are interfered with at an ATM, report this immediately to the bank and/or police using the help line provided or nearest phone
Do not be in a hurry during the transaction, and carefully secure your card & cash in your wallet, handbag or pocket before leaving the ATM
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Atlantic Health Employees Federal Credit Union
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| 99 Beauvoir Ave. - PO Box 220 |
| Summit, NJ 07902-0220 |
| Phone: 908-522-3530 |
| Fax: 908-277-3530 |
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