Fraud Prevention Tips to Help Protect Your Identity

  • Do not give any personal information (name, address, account information, email or phone number) to anyone before verifying their credentials. Please note: Team One Credit Union will never call you and ask you for your account number or credit card number.
  • Beware of phishing emails, even if they look genuine. Remember that Team One Credit Union and other financial institutions will not send you an email asking you to click on a link and confirm your financial details. You can call us if you are concerned about an email that you have received.
  • Shred documents that are no longer needed that contain personal or financial information including credit card solicitation mailers.
  • Protect yourself with an Identity Protection service such as IDProtect® through Team One Credit Union which provides Comprehensive Identity Theft Resolution Services and Toll-free access to a dedicated consumer fraud specialist (recovery professional), who will work with you until your case is completely resolved. You can also utilize the monitoring service to monitor your minor children’s identity for fraud or SSN usage/activity. It also includes free credit score reporting, credit monitoring, identity theft monitoring, and more.
  • Make sure your computer has up-to-date anti-virus software and a firewall installed. Ensure your browser is set to the highest level of security notification and monitoring to prevent malware issues and computer crimes.
  • Protect your online credit and debit transactions by registering your Team One Visa Credit Card with Verified by Visa. Verified by Visa gives you additional protection in your online purchases when doing business with a participating merchant. The enrollment process is free, easy and secure. For additional information, visit verifiedbyvisa.com.
  • If you receive bills, invoices or receipts for items you haven’t purchased, or documents from financial institutions you don’t normally bank with, don’t ignore them. This may be an indication that your identity may have been stolen.
  • Obtain your credit report periodically through the three credit bureaus (Equifax, Transunion and Experian) and check them for accuracy.
  • Help reduce fraud and monitor your credit card spending by using Purchase Alerts. This free service through Team One powered by Visa, allows you to receive real time updates on your Team One Visa® Credit Card and Debit card activity. After your Visa card has been used, you'll receive an alert through text message or email. If there is fraudulent activity, you can find out within minutes and can act quickly to resolve the situation.
  • Be on the look-out for skimmer devices on ATMs and merchant card readers. Skimmers are fraudulent card readers attached to the real payment terminals with the purpose of harvesting data from every person that swipes their card. When you approach an ATM or use your card at a store terminal, check for signs of tampering. If something looks different, such as a different color or material, graphics that aren't aligned correctly, or anything else that doesn't look right, don't use that ATM or card reader at the checkout line.
  • Establish strong passwords and utilize a password management tool.
  • Beware of phone calls or emails offering you money, a job, or a business deal from people or companies that you are not in contact with. If it seems too good to be true, it probably is.