Beware

Card skimming is a method used by thieves to capture your credit or debit card information without your knowledge. It typically involves a small device called a skimmer, which is attached to or inside card readers at ATMs, gas stations, and point-of-sale terminals. Here are some important tips to help you watch out for card skimmers:

Inspect Card Readers:

• Before using an ATM or card reader, visually inspect the machine. Look for any unusual attachments or anything that seems out of place.
• Check for loose parts or any signs of tampering.

Use Secure Locations:

• Choose ATMs located in well-lit, secure areas, preferably those affiliated with banks or reputable establishments.
• Avoid using machines in isolated or low-traffic areas.

Cover Your PIN: Always cover the keypad with your hand while entering your PIN to prevent hidden cameras from capturing it.

Scam Alert!

Scams involving fake IRS communications are unfortunately common, especially during tax season. Scammers use various tactics to deceive individuals into providing personal information or making payments. Here are some key tips to help you recognize and protect yourself against these scams:

Know How the IRS Communicates

• Official Communication: The IRS typically initiates contact with taxpayers through the mail, not by phone or email. If you receive a call, email, or text message claiming to be from the IRS, be suspicious.
• Written Notices: The IRS sends written notices for any issues regarding taxes owed, refunds, or audits. Always wait for an official letter in the mail before taking any action.

Verify Authenticity

• Check for Signs of Scams: Common signs include poor grammar, threats, or requests for immediate payment. The IRS will never demand payment via prepaid debit cards, gift cards, or wire transfers.

How to Report

Phone fraud, also known as phone scam or phone phishing, is a fraudulent practice in which individuals or organizations attempt to obtain personal or financial information from unsuspecting victims over the phone. Phone fraud can take many forms, such as fake IRS calls, tech support scams, or prize scams.

It is important to report phone fraud to the appropriate authorities to protect yourself and others. Here are some tips:

• Hang up and don’t provide any personal information: If you receive a suspicious phone call, hang up immediately and do not provide any personal or financial information to the caller. Remember that your credit union and other legitimate organizations will never ask for sensitive information over the phone.

• Take note of the caller’s information: Try to gather as much information about the caller as possible, such as their phone number, name, company name, and any other relevant details. This information will be helpful when reporting the fraud to the authorities.