Fraud Protection Tips
Scammers &
Phishing Attempts
Creating Strong
Security Credentials
Monitoring Transactions
Multifactor Authentication
Fighting Off Scammers and Fishing Attempts
Williamsport Teacher Credit Union will never contact members via phone, email, text
message or cell phone to request your personal information such as:
- Social security number
- Account number
- Card number or PIN
- Online banking credentials
If you receive such a call, hang up and call Williamsport Teachers Credit Union directly.
Fighting Off Scammers and Fishing Attempts
Creating Strong Security Credentials
In order to keep our accounts as secure as possible it is important to choose strong
security credentials. As tempting as it is to use birthdays or street addresses,
scammers look for those simple passwords to hack accounts and steal your private
information. By initially choosing secure passwords and PINS, we offer more
protection to our accounts.
Monitoring Transactions
In order to monitor spending, many Financial Institutions offer transaction alerts. To
set up these alerts, you can logon to your banking portal and access your account
services. Most institutions offer “manage alerts” where you can set up either an email
or text message any time a transaction has been made to your account.
Checking your accounts regularly, whether it be by stopping into the office or through
online banking helps customers stay safe. Daily/weekly account monitoring is a great
way to insure that your personal information stays just that, personal.
Multifactor Authentication
What is multifactor authentication? There are two main types of authentication, MFA or
2FA.
MFA or Multi Factor Authentication is where multiple pieces of information are used to
verify an account. For example: OTP-”One Time Password”. OTPs are those 4-8 digit
codes that you often receive via email or SMS to login to your account.
2FA or Two Factor Authentication lets you quickly and easily verify users by requiring
two methods to authenticate identity. For example: A secondary email on the account
will receive a code in which you use to login your account. Another example would be a
biometric identifier such as an iris/facial scan or a fingerprint.
How to Contact the Credit Bureaus
TRANSUNION- 1-800-916-8800
EXPERIAN- 1-800-493-1058
EQUIFAX- 1-888-548-7878
Security
The Williamsport Teachers Credit Union is working hard to provide the security to
protect your accounts from scams and threats. We have securities, firewalls, and
additional protection to help keep your information private and safe. We do not share
your information with companies or people unless we are given permission from you.
It is important, though, that you are doing your part to help protect your identity. Take
into consideration the following before logging into your account: Make sure you are
on a secure WIFI – for example public places who offer WIFI usually are not secure and
your information can be compromised from someone close by.
Don’t use the same password – make sure when you set up your passwords they are
not easy information to steal like your name or birth date.
Shred all financial documents – all paperwork with your account numbers or financial
information should be shred not discarded.
Protect your social security number – don’t give out your social security number or
personal information to anyone on the telephone, through the mail or over the
internet, unless you have verified that it is secure. Use anti-virus anti-spyware software
– never click on links sent to you in unsolicited emails, even if they appear to be from
someone you know. Keep your virus protections up-to-date.
If your identity is compromised you can log onto the Federal Trade Commission
website, www.ftc.gov/idtheft . They can provide you with guidance to help correct
what has happened. If you would like more information about what we are doing to
protect you give us a call at the office, 570-323-6468 , we are always glad to help.
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