Avoid Becoming a Victim
Deer Valley Credit Union ID Protection Services
What if my identity is stolen?
Identity theft happens when someone steals your personal information and uses it without your permission. It is a serious crime that can wreak havoc with your finances, credit history, and reputation. The Federal Trade Commission has created a resource for identity theft victims to learn which steps to take immediately to report and recover from identity theft.
Protect Yourself Against "Social Engineering"
Use these "safety tips" to help protect yourself from social engineers and the fraud scams they perpetrate.
The Risks of Public WiFi
The same features that make free WiFi hotspots desirable for consumers make them desirable for hackers; namely, that it requires no authentication to establish a network connection. This creates an amazing opportunity for the hacker to get unfettered access to unsecured devices on the same network. Here are some tips on how to avoid public WiFi security risks
How Can I Protect my Personal Information?
Your personal information is a valuable commodity. It's not only the key to your financial identity, but also to your online identity. Knowing how to protect your information - and your identity - is a must in the 21st century. Here are some tips to doing it effectively.
Car Title Check
The Arizona Department of Transportation says their Motor Vehicle Division has come up with an easy way to help consumers fight back against scamming. Use this tool on the Service Arizona website to check the title to a car before you buy it.
Compromised Visa Cards Program
Deer Valley Credit Union strives to offer safe and secure financial service solutions. We use a wide array of risk management services, tools and resources to create a loss prevention culture within the credit union to ensure the safety of your card. In particular, we monitor account activity, identify trends, work to reduce or restrict activity and reissue cards, when needed. Click here for more information.
For the protection of our members, we regularly monitor debit card activity for unusual transactions. Domestic and international transactions made outside of your resident state may trigger a temporary restriction on your card if we are unaware you are traveling.
To prevent a possible interruption in debit card access, please call 602.375.7300 or 800.579.5051 to have a member services representative add a travel notation on your account.
In addition to the above general safety precaution, DVCU has blocked our debit cards in certain regions due to an extremely high level of fraudulent activity. Please be prepared and carry an alternate payment method when traveling in these areas.
- Debit Card Bins: Pakistan, Saudi Arabia, Russia Federation, Romania, Honduras, Taiwan and Hong Kong (signature)
- Debit Card Bins: Honduras and Taiwan (PIN)
Elderly Abuse Hotline and Website
The hotline makes it easier for senior citizens to report suspected fraud and receive assistance. It will be staffed by a team of committee investigators weekdays from 9 a.m. to 5 p.m. EST. The investigators, who have experience with investment scams, identity theft, bogus sweepstakes and lottery schemes, Medicare and Social Security fraud, and a variety of other senior exploitation issues, will directly examine complaints and, if appropriate, refer them to the proper authorities. Anyone with information about suspected fraud can call the toll-free fraud hotline at 1-855-303-9470, or contact the committee through its website, located at http://www.aging.senate.gov/fraud-hotline
Take advantage of Deer Valley Credit Union's ID scanning service. The next time you visit a branch have your driver's license, military ID, passport or other approved form of photo identification scanned into our computer system.
Check fraud and identity theft are among the fastest-growing crimes affecting consumers today. To help fight fraud and other threats to your financial security, Deer Valley Credit Union has implemented an additional security measure to protect you and your family. Deer Valley Credit Union's ID scanning service provides all of our valued members with a powerful fraud prevention tool.
With ID Scanning, Deer Valley Credit Union captures a digital image of your driver's license, military ID, passport or other form of approved ID. We then utilize the ID image to support the verification of your identity when you utilize one of our branch locations. Capturing your ID image is one of the most powerful deterrents to check fraud perpetrators available, and we are pleased to offer this value-added service free of charge. We encourage ID scanning to help prevent unauthorized transactions and the unauthorized release of personal information.
Common ID Theft Methods and Scams
Text Messaging Fraud
Fraudsters are finding new ways to lure members into disclosing their personal and financial information. While the style and type of information is constantly evolving, there are phishing scams that continue to affect credit unions and members. These scammers need your personal and financial information to put money into their pockets. Time and again, scammers are successful in identifying and targeting the weakest link to enable this crime.
If you receive a text message, email, or phone call instructing you to input personal information (including debit and credit card information), do not respond. DVCU will never ask you for personal/private information in an unsecured email or via text message. If you are unsure if the text message, email or phone call is legitimate, call DVCU at (602) 375-7300 and we will be happy to assist in determining the authenticity of the message.
DVCU does send text alerts when we suspect there is fraud on your account. It is important to note that the text messages we send do not ask you to input your card number, PIN or any other personal information. Full details are available here.
If you have provided sensitive information including Debit/Credit Card Number, Pin Number, and Account Number contact DVCU immediately at 602.375.7300 or toll free at 1.800.579.5051.
Caller ID Spoofing
Caller ID spoofing is a service that allows a caller to masquerade as someone else by falsifying the number that appears on the recipient's caller ID display. Just as e-mail can make it appear that a message came from any e-mail address the sender chooses, caller ID spoofing can make a call appear to come from any phone number the caller wishes. If you feel that a call from a purported company sounds suspicious, ask the person for their name and department and tell them you will call them back. Then, dial the listed number for the company directly or inquire through directory assistance. If it is indeed a scam, report the activity to the effected company.
Every day, American consumers receive offers that sound too good to be true. In the past, these offers came through the mail or by telephone. Now the con artists and swindlers have moved online to the Internet . Click here for additional information on the numerous types of online fraud.
As if phishing wasn't enough of a headache, scammers are now resorting to what's being called pharming. These criminals are turning to redirecting domain names so that users will unsuspectingly log onto illegitimate sites under hacker control.
Did you get an e-mail from what appeared to be a legitimate financial institution asking you to confirm your username and password? Did the website look real? If so, delete the e-mail immediately and report it to the proper authorities! That is what's known as a phishing scam, and phishers are getting more and more sophisticated in their approach.
In smishing, an e-mail tries to lure a recipient into giving personal information via SMS, the communications protocol used to send text messages to a wireless device. The member receives a text message via cell phone warning that their bank account has been closed due to suspicious activity. It then tells them they need to call a certain phone number to reactivate the account.
Unsuspecting callers who dial the number provided in the text message will be taken to an automated voice mail box that prompts them to key in their credit card or debit card number, expiration date, and PIN to verify their information.
Please know that Deer Valley Credit Union does not solicit personal/private information via text messaging and that we take numerous measures to keep your account information secure.
If you have any questions concerning your account or credit/debit card, contact DVCU at (602) 375-7300.