Helping You Protect Your Data
At Aspen FCU, helping you protect your data is a top priority. We wanted to share a few steps you can take to help protect yourself against identity theft.
Don't Fall for Common Scams!
Scammers try to prey on members by trying to incite an emotional response, whether it be Fear, Urgency or Celebration! Don't be the next victim of an online Scam. Read the article "Avoid Scammers Money Grab!" to learn about common scams that are being used to target members.
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Monitor Your Account for Suspicious Activity
- Password security starts with creating a strong password. A strong password is:
- At least 12 characters long but 14 or more is better.
- A combination of uppercase letters, lowercase letters, numbers, and symbols.
- Not a word that can be found in a dictionary or the name of a person, character, product, or organization
- Implement Multi-Factor Authentication whenever possible
- Consider using BioMetric Log Ins (Face ID/Touch ID)
- To help manage your passwords consider using a secure and trusted Password Manager like Nordpass, Keeper, 1Password or Lastpass.
- Keep your software and virus protection current.
- Avoid logging in to personal accounts from a public setting or when using public WI-FI.
- Dispose of old computers. Use programs to overwrite or wipe the hard drive.
- Shred any documents containing personal information.
- Enroll in Aspen FCU Online Banking or if you are already enrolled – sign in to monitor your accounts
- Download and use the Aspen FCU Mobile Banking App to monitor your accounts
- Download and use to protect your lost or stolen Aspen FCU debit cards on Aspen FCU Mobile Banking App
- Set up Text/Email Alerts to be aware of activity/transactions
- Contact Aspen FCU if any discrepancy is noticed or to dispute transactions by calling (605) 342-7776
Protecting Your Social Security Number
- Do not provide your Social Security Number unless absolutely necessary. If a business asks for your Social Security Number, do your best to assess their need for it before sharing.
- Be cautious of your surroundings when disclosing your Social Security Number. Be aware of who is listening when you give personal information over the phone, whether at your desk at work, or in public on a cell phone. Do not use your full or partial Social Security Number as a Personal Identification Number (PIN) or as a password.
- Do not transmit your Social Security Number over the internet unless you know that the connection is secure and you know how the recipient will protect it, and even then only when necessary (tax forms, account opening, etc.).
- Be cautious and ensure you have the correct number before faxing any forms containing your Social Security Number.
- Do not record your Social Security Number or driver’s license number on personal checks or other negotiable instruments.
Closely Monitor Your Credit Reports
If you check your credit report regularly, you may be able to spot identity theft and limit the damage caused. Credit reports contain information about you, including what accounts you have and how you pay your bills. If an identity thief is opening credit accounts in your name, fraudulent accounts are likely to show up. Look for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain. Check that information like your Social Security Number, address, name or initials, and employers are correct.
The law requires each of the major nationwide consumer reporting agencies to provide you with a free copy of your credit report, at your request, once every 12 months.
Safeguarding Personal Information
- Minimize the amount of personal information a criminal can steal. Don’t carry extra credit cards, your Social Security card, birth certificate or passport. Leave your Social Security card and unused credit cards in a safe and secure location.
- Do not leave financial statements or other documents with your personal information lying around where others can view them. A significant portion of all identity fraud is committed by relatives, friends, employees and other individuals with access to your home or business.
- If your account statement does not arrive as expected, contact Aspen FCU at (605) 342-7776. A missing statement could mean an identity thief has taken over your account and changed your billing address to cover their tracks.
- Shred all discarded personal information as many identity thieves have obtained the information, they needed by going through the victim’s trash.
- Promptly retrieve incoming mail and consider taking outgoing mail containing personal information to your local post office or placing it in a U.S. Postal Service mailbox to reduce the chance of mail theft. And if you’re going to be traveling, you can put a vacation hold on your mail by calling the U.S. Postal Service at (800) 275-8777 or going online to www.usps.com. Consider paperless options for your bills and financial statements.
- Keep a list of all your credit cards, loans, account numbers and expiration dates in a safe place so you can notify creditors in case of theft or loss.
- Never provide personal information to anyone over the phone unless you initiate the call and you know the company is reputable. Scammers may send emails, text messages, or pop-ups that appear to be from a legitimate business and ask you to call a phone number to update your account, receive a “major” credit card, a prize, or other valuable items — then ask you for personal data, such as your Social Security Number, credit card number or expiration date, or mother’s maiden name. Because they use Voice Over Internet Protocol technology, the area code you call does not reflect the scammers’ actual location.
- If you receive a call you did not initiate requesting personal information, ask them to send you a written request. If they refuse or you are not comfortable with the phone call, tell them you’re not interested and hang up. If you wish to contact the company directly, go to your financial statements, debit or credit card, or the company website to get a legitimate contact number. Aspen Federal Credit Union will never ask our members to provide his or her login credentials over the phone or via email.