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Security Information

Data Breach Protection

Although only Capital One customers are impacted by this breach, the situation serves as a reminder to everyone to remain vigilant by protecting your personal information to reduce the risk of fraud or identity theft. We include below tips for cardholders about keeping their information safe – even when dealing with you or someone who they think is from your financial institution.

Fraudsters have become increasingly adept at getting cardholders to share the information they need to commit fraud by sending text messages that look like they are coming from your institution, warning of suspicious transaction activities. The fraudsters do this by using information stolen through data breaches at health insurance providers, reward program providers, credit bureaus, merchant terminals, and social media sites, as well as through malware programs deployed on personal computers, to mention just a few. Stolen personally identifiable information (PII) is combined with stolen card information, resulting in sufficient information to create profiles that fraudsters can use to position themselves as the actual cardholders.

  • A phone call from our institution's automated dialer will only include a request for your zip code, and no other personal information, unless you confirm that a transaction is fraudulent. Only then will you be transferred to an agent who will ask questions to confirm that you are the actual cardholder before going through your transactions with you. If at any point you are uncertain about questions being asked or the call itself, hang up and call us directly. If a call is received by the cardholder, claiming to be our call center and asking to verify transactions, no information should have to be provided by the cardholder other than their zip code, and a ‘yes’ or ‘no’ to the transaction provided.
  • We will NEVER ask you for your PIN or the 3-digit security code on the back of your card. Don’t give them out to anyone, no matter what they say. Hang up and call QCU directly. Fraudsters will often ask cardholders to verify fake transactions. When the cardholder says no, they did not perform those transactions, the fraudster then says that their card will be blocked, a new card will be issued, and that they need the card’s PIN to put it on the new card. Many people believe this and provide their PIN. The 3-digit CV2 code on the back of the card will allow a fraudster to conduct card-not-present transactions.
  • Regularly check your account online to see if there are any suspicious transactions that have occurred, but especially If you are unsure about a call or text message you’ve received. If anything looks amiss, call us directly for assistance. If you have received a voice- or a text-message from QCU and are unsure about responding to it, call us directly for assistance.
  • Enroll in card notification tools like CardValet, credit monitoring services to monitor card and account usage.

 

Identity Protection

Everfi Identity Protection

 

Cyber Security Awareness Tips

Tip 1: Security is everyone's responsibility become part of the human firewall on your personal computer and at work.

Tip 2: Avoiding scams. Be suspicious of unsolicited phone calls, visits, or email messages and do not provide personal information or information about your organization. If you are unsure whether an email request is legitimate, try to verify it by contacting the company directly. Do not use contact information provided on a website connected to the request; instead, check previous statements for contact information.

Tip 3: Make sure to have security software installed and up to date with a current subscription. Remember there are thousands of new malware variants every day.

Tip 4: Back up data and scan systems regularly. It's important to back-up your information so that you can retrieve it in a worst case scenario.

Tip 5: Limit the amount of personal information you post. Do not post information that would make you vulnerable, such as your address or information about your daily routine.

Tip 6: Be smart about using your devices. Don't use your mobile device to store important and sensitive personal information or other information that personally identifies you.

 

 

Security Information Videos

Phishing: Don't take the bait!

Identity Theft: Protect Yourself!

Internet Fraud: If it sounds too good to be true, it probably is

Social Media: Be Careful Who You Trust

Play it Safe with Portable Devices

 

Security is a hot topic in the news and it's critically important. QCU places the highest value on respecting and protecting the security of our Member's data and transactions. To help keep our Members educated, we are pleased to provide five short videos on our website for our Members to review and keep current with the latest security practices.

Remember – A QCU employee will never ask you to provide debit or credit card numbers, or private personal information like Social Security number and account numbers. If there is ever a question regarding this type of phone call always contact your financial institution first.

 

 

Notice for your information.

 

VISA Credit Card Restricted Use Statement

For our Members protection against identity theft and fraud, QCU credit card use is restricted in select countries outside the U.S. Please contact the credit union at (617) 479-5558 prior to travel to ensure card access while away, or if you require assistance. Please note, it is illegal to use  your QCU credit card for the purposes of internet gambling.

Lost or Stolen Card Toll Free Number: 1-800-472-3272

VISA Debit Card/ATM Restricted Use Statement

For our Members protection against identity theft and fraud, QCU debit card use is restricted in several countries and U.S. states. Please contact the credit union at (617) 479-5558 prior to travel to ensure card access while away, or if you require assistance. Please note, it is illegal to use  your QCU debit card for the purposes of internet gambling.

 

Lost or Stolen Debit Card/Credit Card  Toll Free Number: 1-800-472-3272

Wire Transfer Restrictions

Wire transfer fraud is prevalent in today’s financial environment. To protect Member assets, QCU has instituted some controls in order to assist in identifying fraudulent requests. Additional information or requests may be required during the wire transfer process.

 

Phishing Scams

If you receive an e-mail claiming to be from QCU or any financial institution, do not give out any personal information or click on any links. These are Phishing Scams. Delete the e-mail immediately. Contact your financial institution if you have any questions or concerns. Remember-QCU will never ask you for your personal information via e-mail, phone or any other communication channel.

 

CATO

Corporate Account Takeover is a growing form of electronic crime where thieves typically use some form of malware, or malicious software, to obtain login credentials to corporate online banking accounts and fraudulently transfer funds from the accounts.  Another means fraudsters commonly employ is phishing, masquerading as a trustworthy entity in an electronic communication or through social engineering to gain access to your sensitive information. Learn more

 

 

 
QCU offers financial products and services to individuals who live or work in Norfolk and Plymouth Counties and Dorchester, as well as their families. A $5.00 Primary Share Account is required for Membership. Quincy Credit Union NMLS ID # 407326. Quincy Credit Union ABA Routing and Transit Number: 211385297.
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