What is it?

Identity Theft occurs when one person's identification (which can include name, social security number, or any account number) is used by another person for unlawful activities.

How to protect yourself:

View this short identity theft overview video from the Federal Trade Commission.

What to do after you become a victim:

• Follow the guide by the Federal Trade Commission.
• Place a Fraud Alert on your file with all three credit bureaus:
  • Experian, 888-397-3742
  • Equifax, 800-685-1111
  • TransUnion, 800-680-7289
• Seek guidance if you are a victim of IRS fraud.

What is it?

Using your card or card number for fraudulent purchases by unauthorized persons.

How to protect yourself:

• Report lost or stolen EdFed Rewards Visa^® Credit Cards, EdFed Rewards Visa^® Debit Cards or ATM Cards immediately.
• Set up activity alerts/notifications on EdFed 24/SEVEN. Always review your statements.
• If any unusual activity is detected on your credit card, we will contact you to verify that the activity was legitimate. These calls can be made using an automated system. If you are unavailable, a message will be left for you.
• Read more tips at Visa Security Sense.

What to do when you suspect fraud on your card account:

Call our Member Contact Center at any time of day or night.

How to keep your computer safe from being infected:

• Always install security updates from Microsoft on your pc or from Apple on your Mac.
• Always use current browsers, update or replace older browser versions.
• Always use anti-virus software and update it daily.
• Always have a backup of your important files and store it independently from the computer.
• Avoid becoming a victim of phishing.

How to keep your mobile phone or tablet safe from being infected:

• Always install security updates from the provider of the operating system and the apps.
• When possible, enable automatic updates.
• Add antivirus software where possible.
• Only download apps from verified stores.
• When the credit union announces a new app, verify that you download the genuine one. Do not go to the app store first and download any app that looks like it might be from EdFed without verifying on our website that it is genuine.

Best practices when using EdFed 24/SEVEN:

• Establish/manage your preferred profile security settings via Settings > Security.
• Establish/manage your preferred profile alert/notification settings via Settings > Notification.
• Use a strong password (up to 10 characters), that includes numbers and symbols as well.
• Do not share that password with any other site, use a unique one.
• Try to avoid public computers. Using your small screen phone is better than the big screen hotel computer.

What is phishing?

The fraudulent practice of sending emails claiming to be from reputable companies in order to trick individuals to reveal personal information, such as passwords and credit card numbers.

What are the consequences of falling for phishing?

Your computer will probably download some bad software. The result ranges from stealing passwords you enter, to stealing information from your computer, to locking all your files and holding them for ransom in what is known as ransomware.

How can I avoid this?

• Be careful before clicking on email attachments. Popular scams are "you won the lottery" or "your flight confirmation is attached". Teasers like "your refund confirmation is attached" should make you suspicious.
• Always confirm with the source of the email whether it is true or not before opening the attachment.

What is elder abuse?

Crimes such as theft, scams or identity theft that are committed against people 65 years or older fall under the elder abuse law.

How to report elder abuse?

Call Florida Abuse Hotline at 1-800-962-2873. Press 1 to report suspected abuse, neglect or exploitation of the elderly or a vulnerable adult. The TDD (Telephone Device for the Deaf) number is 1-800-453-5145.

You may also go to the DCF Web site for more information.

What is wire fraud?

Wires are transfers of money from one financial institution to another. These transfers are equivalent to paying in cash and not easily reversible. That attracts fraudsters to trick you into wiring money to someone based on false representation or promises, and you lose your money.

How to protect yourself?

Do not accept a check in exchange for wiring money out. Verify the recipient before sending a wire that can't be stopped or reversed. Do not let someone talk you into paying by wire transfer when you can pay with credit card.