Protecting Yourself
TEFCU will NEVER email, text message, or call you to request any personal information. If you receive any such communication, do not respond to it, and please notify us immediately. Thank you!


Identity Theft

By raising your security awareness, you can prevent many different types of identity theft and keep yourself and your finances safe.
Here are some valuable tips to help you increase your awareness.

Beware of any unsolicited e-mails claiming to be from the Credit Union National Association (CUNA), the Texas Credit Union League (TCUL), the National Credit Union Administration (NCUA), or any individual credit union. These are phishing scams designed to steal your personal information. These emails usually include links to fraudulent web sites that try to trick you into thinking you are at the real web site.

Remember, Texoma Educators Federal Credit Union and other credit union organizations will NEVER e-mail you to request your credit union member number, PIN, credit or debit card numbers, or ANY other personal information.
If you doubt the legitimacy of any communication, DO NOT respond to the information request. Instead, contact Texoma Educators FCU through familiar communication channels.

 
Preventing Identity Theft

How can I prevent identity theft from happening to me?
  • Carry only essential credit cards and identification in your wallet or purse. Especially do not carry your Social Security card.
  • Review your TEFCU credit card and account statements regularly to look for any fraudulent charges or discrepancies.
  • Get a copy of your credit report annually, and review it carefully. Notify the credit bureau immediately of any 0 information.
  • Be aware that a merchant cannot require you to present a photo ID to complete a card transaction. If you are asked for ID, do not permit the merchant to copy any information onto the sales draft.
  • Install a locked mailbox at your residence. Pick up your mail as soon as possible, and use a USPS dropbox for outgoing mail.
  • Purchase a paper shredder and shred all documents containing account numbers, applications, or private information.
  • Before you shop online, check out www.bbbonline.com/consumer to locate companies that comply to the standards of the Better Business Bureau.
  • Never provide your social security number online.
  • Avoid account passwords like your birth date, mother's maiden name, or social security number. Choose something more obscure, and try to include both letters and numbers.
  • Never provide personal information over the phone unless you initiated the call and are certain you are dealing with a reputable party.
  • Report all lost or stolen credit cards or checks immediately.
  • Maintain a list of the credit cards you use and cancel the ones you do not use.
  • Write down or photocopy the front and back of all credit cards and keep in a secure location. Do the same for all bank and investment accounts.
     
Additional resources:

Federal Trade Commission (FTC)
or 1-877-IDTHEFT
Request your free fraud-prevention DVDs from the U.S. Postal Inspection Service.
 
  
Common Scams

ATM/Debit Card Fraud
— Perpetrators have begun targeting ATM and debit cards as a primary source to gain unauthorized access to your accounts. Many new ATM cards double as debit cards and, even without knowing your PIN (Personal Identification Number), a crook can clean you out. Scammers may gain access to your card number (not the card itself) in a variety of ways:
  • A thief may find your discarded receipts/carbons in the trash
  • A dishonest clerk makes an extra imprint of your card for his personal use
  • You are tricked into giving your card number over the phone or on the Internet
Jury Duty Scams — A scammer calls claiming to work for the local court and claims you've failed to report for jury duty. He tells you that a warrant has been issued for your arrest. The victim will often rightly claim they never received the jury duty notification. The scammer then asks the victim for confidential information for "verification" purposes. Specifically, the scammer asks for the victim's Social Security number, birth date, and sometimes even for credit card numbers and other private information — exactly what the scammer needs to commit identity theft. This is when you should hang up the phone. It’s a scam.

Online Job Scams — People are being solicited for what appears to be a lucrative position that will allow them to work as an independent agent or from their home. Tips to avoid this type of scam:
  • Be cautious of any employer offering employment without an interview (either in person or by phone).
  • Please investigate thoroughly any employer requesting that you transfer funds or receive packages for reshipment, especially if they are located overseas. Most of these employment offers are check-cashing or shipping scams!
  • Do not provide your social security number or any other sensitive information unless you are confident that the employer is legitimate.
  • Be cautious of job links sent to you in emails…they could be phishing scams.
Account Verification — An unsolicited email or telephone caller asks you to verify your account information including personal information. Companies will never ask you to verify your password or ask for credit card information through email or through a telephone call
that you did not initiate.

Travel Fraud — While some travel opportunities sold over the phone or offered through the mail, Internet or by fax are legitimate, many are scams that defraud consumers out of millions of dollars. Don't give your credit card number or bank information over the phone unless you know the company.

Advance Fee Scams ( aka Nigerian 419 Scam) — A so-called “representative” of a foreign government asks you to help move money from one account to another. You are then asked to provide up-front or advance fees for various taxes, attorney fees, transaction fees or bribes.

Lottery Scams — Fraudsters use e-mail, in conjunction with letters and phone calls, to convince victims they’ve won an overseas lottery. The scammer's goal is to trick consumers into sharing bank account numbers or paying up-front fees to claim winnings that never materialize.

Bank Scams — A so-called “representative” of your financial institution calls and says they have discovered someone is writing checks on your account. The caller instructs you to retrieve your checkbook and read the number along the bottom of the check from left to right. Of course banks will not call and request you read back your account number (which they assigned to you) over the phone. Hang up and report the incident.


Recovering from Identity Theft

If you think your identity has been stolen, here's what to do now:
  • Notify the police and file a complaint.
  • Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file.
Equifax
Order a report: (800) 685-1111
Report fraud: call (800) 525-6285 and
Write to: P.O. Box 740256, Atlanta, GA 30374

Experian
Order a report: (888) 397-3742
Report fraud: call (888) 397-3742 and
Write to: P.O. Box 9532, Allen, TX 75013

TransUnion
Order a report: (800) 888-4213
Report fraud: call (800) 680-7289 and
Write to: P.O. Box 6790, Fullerton, CA 92834
  • Alert Texoma Educators Federal Credit Union and any other financial institutions you do business with
    to flag your accounts and to inform you of any unusual activity.
  • Contact your creditors to inform them of the problem.
     
Other authorities you might want to contact in case of fraud:
 
 
What is Phishing?

Phishing is a scam where e-mails are sent 0ly claiming to be a legitimate company, in an attempt to obtain non-public personal information for identity theft. Once again, don't give out personal information over the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.
 
Never respond to any unsolicited request for confidential information.
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Texoma Educators Federal Credit Union
506 W. Lamar
Sherman, TX 75090
(903) 892-1505