Fraud Protection & ID Theft

What is identity theft?

Identity theft happens when someone uses your personal information to steal your money and credit. This type of crime can ruin your credit and affect your ability to get insurance, mortgages, and even a job.

How can I protect myself from identity theft?

You can help protect yourself against identity theft with these tips: 
  • Do not give out personal information such as your account or credit card numbers over the phone unless you're the one making the call.
  • Report lost or stolen checks immediately, properly store cancelled checks, and examine new check orders to verify that no checks are missing.
  • Destroy all credit card applications, financial documents, statements, and receipts before discarding them.
  • Guard your ATM PIN. Don't write it down anywhere.
  • Make sure your mailbox is secure, and collect mail promptly as it’s delivered. If a locked mailbox isn't available where you live, consider having bank statements & other important documents delivered to a P.O. box.
  • Contact a credit-reporting agency annually to review your credit status and files. If you have minor children, check their credit reports too.
  • Never click on links in emails that ask you to "update" or "verify" your account information.
  • Never have your Social Security and driver license numbers printed on your checks.
  • When shopping online, only buy from secure websites (web addresses should start with "https://" and should have a small lock icon next to the address in the browser window)
  • Install good anti-virus software on your computer and keep it updated.
  • Use strong passwords for your online banking and shopping accounts. 
  • Never carry your Social Security or Medicare card with you.
  • Keep copies of all of your credit cards in a secure, locked drawer or safe in case your wallet is stolen.
Christian Community Credit Union will never send text messages, instant messages or email members asking them to provide and/or verify their Social Security Number, account number or personal identification information including passwords or Personal ID Number (PIN). 

I think I've been a victim of fraud. What should I do?

If you have been a victim of this kind of fraud, or if you have mistakenly supplied confidential information to someone else, please contact us immediately at 800-347-CCCU (2228). We will take steps to protect you.

You should also contact:

We have also compiled a list of other resources to help you recover from identity theft.

How can I protect my credit and debit cards from online fraud?

Verified by Visa is a free service that allows you to create a password to confirm your online purchases. It ensures you that only you can use your Visa credit card online and protects you from unauthorized purchases. Once activated, your card will be automatically recognized as protected by Verified by Visa at participating online stores. Shop online with added safety and peace of mind.

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