Protect yourself. Stay one step ahead.
At CRCU, your security is top priority. And because identity thieves love posing as financial institutions, we know that no accountholder is immune to the threat of identity theft. Staying informed about identity theft strategies is your best way to avoid becoming a victim.
Scammers can reach out to you in several different ways, but they all seek the same thing: your personal identifying information. Sometimes they pose as your financial institution – even CRCU – and claim that there is a problem with your account. They claim the only way to fix the problem is for you to tell them your personal identifying information, such as your account number, password, PIN, or Social Security number.
CRCU will never contact you to ask for your personal identifying information
But here’s what you need to remember: any financial institution you do business with already has the information they need to service your account. CRCU will never contact you to ask for your personal identifying information – whether by phone, email, or text – because we don’t need to.
Types of Identity Theft Schemes
Scammers use these ways to contact you, claiming to be from CRCU or another financial institution you do business with:
- Phishing: a fraudulent email that asks you to take action about your financial account. Sometimes the email threatens account closure or directs you to a form asking for personal information.
- Vishing: a fraudulent phone call during which a scam artist asks for your personally identifying information. Number spoofing technology even allows the scammers to display caller ID information consistent with who they claim to be.
Smishing: a fraudulent text message, usually displaying a link and/or a phone number for you to call.
- Routinely assess your risk for identity theft. Limit the number of people who have access to your personal or business account information. Keep our passwords as a note on your phone or notepad, not on your computer. Use strong passwords, which should contain numbers, lowercase and uppercase characters and be at least 10 characters long. Never use the same password on multiple sites.
- Avoid using the same password for all online accounts.
- Use a password manager – a special app designed to keep you secure with unique, randomly generated passwords.
- Never click a link in or provide information in response to an email you suspect to be fraudulent.
- Never respond to a phone call or written messages asking for identifying information or asking for you to verify confidential information.
- Remember that scam artists can use number spoofing technology to make it look like the call is coming from a number you trust, like CRCU’s. If someone calls, telling you they are from a financial institution and request account or personal information, hang up and call the financial institution from a known good number you can verify from your statement.
- If you receive a fraudulent email, forward it to firstname.lastname@example.org. If the fraudulent email or text appears to be from CRCU, please also forward it to email@example.com.
- If your CRCU MasterCard® is lost or stolen, report it to us immediately 1.800.528.2273 [CONTRADICTORY INFORMATION GIVEN ON WEBSITE. PROVIDE CURRENT PHONE NUMBER].
- Contact us at 281.422.3611 or 800.238.3228 to let us know of any incidents involving calls or messages appearing to be from CRCU.
Recovering from fraud
If you are a victim of fraud, there are steps you can take to help:
- Call or email the financial institution to close or freeze your compromised account.
- Scan any electronic devices involved in the communication for malicious software.
- Contact Experian (888-EXPERIAN), Equifax (800.685.1111), and TransUnion (800.909.8872) to request that they alert you when there are any changes to your credit report.
- Contact your local police department to make a report.
- Change your username and passwords for your financial accounts and for any online accounts that use the same username and password.
- Check your credit reports from TransUnion, Equifax, and Experian. You are entitled to free reports once a year at www.annualcreditreport.com.
CRCU Debit and Credit Card Fraud Detection System
CRCU uses a cutting-edge fraud-detection system to help stop fraud at the point of sale for your credit and debit card transactions. If we detect fraud, we will contact you; we will not ask for any card or account information when we call. If we confirm fraud on your card, we’ll close your card immediately and generate a new one for you.
How we keep you safe
- Encrypted Data – We’ve designed our website to use high-grade Secure Socket Layer (SSL) encryption for all transactions that involve sensitive data.
- Multi-Factor Authentication – This is a secure and effective means of verifying your identity when you sign on to Online Banking.
- One-time Passcode – We use this security feature when you log into your accounts from an unrecognized device, helping us to identify you as the true owner of your account. We send the passcode to you by text, voice call, or e-mail and then require you to answer your previously set-up security questions.
- Internal Protections – We protect our internal network with a wide variety of security software and regularly analyze the security of our network.
- Online Services – We help lower your risk of identity theft and mail fraud with paperless eDocuments and the ability to view check images online. In addition, our Online Bill Pay service allows you to pay your bills automatically and securely.
Resources and Tools
- The FTC has established a web resource to help deter, detect, and protect yourself against ID Theft. Learn about the crime of identity theft, and find out what to do if your identity is stolen.
- Fight identity theft by monitoring and reviewing your credit report for free each year at AnnualCreditReport.com.
- Learn how the office of the Texas Attorney General helps you fight identity theft with this online resource.
- Report fraud and cybercrime easily at Internet Crime Complaint Center in partnership with the Federal Bureau of Investigation.
- File a claim if you were impacted by the 2017 Equifax Cybersecurity Incident or learn more about the breach.
- Learn more about the 2019 Capital One Cybersecurity Incident.