We’ve got your back.
It’s astounding just how much trouble and effort thieves go through to scam hard-working people out of their hard-earned money. To help protect you from these unscrupulous crooks, we’ve created this page. It lists specific scams as we become aware of them, and we’ve included the different ways scammers will use to hack your accounts and/or your identity.
Protecting our members’ financial information is our top priority, so we do our best to stay aware of the more serious scams to be able to alert our members as swiftly as possible. Check back often to stay up-to-date on the latest posts.
SECURITY UPDATE #1: RECENT PHISHING SCAM
We have been recently notified that there has been a Phishing attempt via telephone. Credit Union of New Jersey will NEVER ask you for your account or personal information via email, text or telephone.
Please rest assured that there has NOT been any data breach, and your financial information is safe. If you have already shared your Credit Union of New Jersey account information with these scammers, please call us immediately at 609.538.4061. If you have received this phone call, you may also want to report the fraud to the Federal Trade Commission by calling 877.IDTHEFT.
SECURITY UPDATE #2: MOBILE BANKING MALWARE
While CU of NJ does not have any indication that our Mobile App is impacted by mobile banking malware, we are working with our provider to ensure your safety and security, as well as looking into precautions members should take. It is recommended that members employ security best practices to proactively mitigate this threat, including:
- Installing an antivirus app and keeping it updated
- Avoiding installing Android apps from third-party websites or unreliable sources
- Reading the permissions requested by every application before installing
- Performing regular backup of data stored in devices
- Protecting devices with a password
- Not viewing or sharing personal information over public WiFi networks
We will continue to research this and update you on any additional findings.
SECUITY UPDATE #3: SMISHING SCAM
We have been alerted that members may have received a text message asking the member to call Card Services at a local New Jersey phone number in regard to their ATM/Debit card. Remember, we will NEVER ask you for your account or personal information via email, text or telephone.
There has been no data breach as a result of this scam, and your CU of NJ financial information is safe. If you have already shared your Credit Union of New Jersey account information with these scammers, please call us immediately at 609.538.4061. If you have received this phone call you may also want to report the fraud to the Federal Trade Commission by calling 877.IDTHEFT.
KEEPING YOU PROTECTED
Below are some of the scams that exist and how our members can recognize signs of fraud:
Vishing is the criminal practice of using a computer technology called Voice over Internet Protocol (VoIP). This allows criminals to call your phone anonymously in an effort to get a potential victim to reveal sensitive financial information. An example would be receiving a call saying that there are unauthorized charges on your credit card. You are provided with a toll-free number and asked to call it to confirm the card number and details about the account. If this information is given, a thief will have all the information needed to run up charges on your card. Here is additional information on how you can protect yourself from vishing [link: https://www.cunj.org/home/fiFiles/static/documents/vishing_insert.pdf].
TEXT MESSAGES AND EMAILS
Credit Union of New Jersey and the Credit Union National Association (CUNA) are aware of text messages and e-Mails being made about:
- Confirming account or credit card numbers
- Account deactivation
- Account status alerts
- Changes to Terms and Conditions
- Irregular activity
The e-Mails and text messages ask that the member call a number in order to have their account reactivated. Some may request that you leave callback information or provide your financial information directly. All of these messages are fraudulent. Please do not respond to these messages. We will never ask you for your account or personal information via email, text or telephone.
Be aware if someone you don’t know sends you a check and then asks you to wire them a portion of the money back. This is most likely a scam. If you are unsure about whether or not a check is valid, it is best to bring it to the CU of NJ branch nearest to you immediately. If you believe that you have been contacted in any way as part of a scam, please call us at 609.538.4061.
ATM skimming is when an electronic device is placed on or near an ATM to collect information from the magnetic strip on your Debit or ATM card. The devices planted on ATMs are usually undetectable by users and are installed for short periods of time. They can be removed by the criminals, who then download the stolen account information and encode it onto blank cards that can be used to make withdrawals from victims’ accounts at other ATMs.