Good is knowing your personal financial information is safe. Great is having a partner who provides you with resources to keep it that way.
Identity theft is a growing problem. In difficult economic times, it will only get worse as perpetrators prey on people who are having a difficult time.
Equifax Cybersecurity Breach
In light of the recent security breach with credit monitoring company Equifax, we want to ensure our members that CME takes every precaution to make sure your financial and personal information is safe and protected. A few tips and reminders for protecting your sensitive information:
- Monitor your accounts closely through Online Banking or Mobile Banking. If you notice any suspicious activity, please contact us immediately.
- Set up alerts on transactions through Online Banking for additional security and monitoring. Alerts can be set up for balances,transactions, messages, documents and more! Be sure to log into online banking and set up all types of alerts that will go directly to you!
- Be on the lookout for fake emails and websites regarding Equifax (also known as phishing scams).
- Reset your account passwords, PINS, and other logins for all your financial accounts.
· You have Zero liability policies go beyond therequirements of federal law, which limit individuals' out-of-pocket expenses to$50 if a credit card is lost or stolen and then used fraudulently. As the nameimplies, zero liability policies mean that members pay nothing if their cards oraccount information are stolen and used fraudulently.
Check Your Credit Report
Your first indicator of trouble is likely to be your credit report. As you may know, there are three major credit reporting agencies, listed below. You are entitled to one free copy of your credit report each year from each of them. We encourage you to do so. To receive your free report, go to www.annualcreditreport.com . Tip: Stagger your review every four months with a different bureau.
You can also contact the credit reporting bureaus directly through the numbers and links below:
- Experian 888.EXPERIAN www.experian.com
- Equifax 800.685.1111 www.equifax.com
- TransUnion 800.888.4213 www.transunion.com
Phishing typically involves a bogus e-mail message that seeks to look or sound legitimate—using official sounding language, or graphics and logos from a trusted organization—in an attempt to entice e-mail recipients to provide personal financial details, such as account information, credit card and Social Security numbers.
Take some simple precautions:
- Never respond to an unsolicited e-mail that asks for personal financial information.
- Report anything suspicious to the proper authorities. Alert the credit union or government agency identified in the suspect e-mail through a web address or telephone number that you know is legitimate.
- Contact the Internet Crime Complaint Center at www.ic3.gov --a partnership between the FBI and the National White Collar Crime Center --if you think you have received a phishing e-mail or have been directed to a phishy-looking website.
- Do not respond to text messages that require personal or financial information. Report text message directly to CME.
Additional Security Resources:
Apprisen, a non-profit focused on financial wellness and partners with CME:Preventing ID Theft
Identity Theft Resource Center:
After Hours Decline-Line: Toll Free Support Hotline
If for some reason your CME debit card has been declined for a transaction and CME is currently closed, please call 888.526.0404 Toll Free.
Transaction Analysts will be happy to help you or call 1-800-682-6075 on the back of your debit card.
Personal Information Resources
It's a good idea to check on your non-credit-specific personal information, too. Here are a couple of places to look:
"Opting out" can help decrease the number of offers you receive, and your chances of a solicitation resulting in identity theft:
Direct Marketing AssociationMail Preference Services
PO Box 643
Carmel, NY 10512
National Do Not Call RegistryFederal Trade Commission
600 Pennsylvania Avenue, N.W.
Washington, DC 20580