Community News

5 Steps to protect yourself

Sep 09. 19

Sign Up for Online Banking Alerts

Online banking is a safe and convenient way to bank and Bulkley Valley Credit Union uses a variety of security measures to protect your financial information when banking online. You too, can take steps to increase this security by signing up for online banknig alerts through Member Direct Online Banking.

Alerts are an online banking feature that automatically sends you an email and/or a text message to your mobile phone to alert you of certain changes to your account made through online banking. If you receive notification of an alert that you didn’t perform contact Bulkley Valley Credit Union immediately to have you online banking locked to prohibit possible account take over. 

Upon signing in navigate to Messages and Alerts>Manage Alerts.

Set up your mobile phone or email to be notified when the following have been performed on your online banking

Personal Access Code (PAC) Changed

New Payee (Bill) Added

Online Login

Interac e-transfer Recipient has been Added

If you receive notification of an alert that you didn’t perform contact Bulkley Valley Credit Union immediately to have you online banking locked to prohibit fraudulent access.

Stay Safe Online

Canadians use computers and mobile devices to get things done online, but there are a few simple things you should do to protect your personal information.

Change your passwords regularly

Don’t use the same passwords for everything

Install anti-spyware to keep others from gathering information about your online habits or making unauthorized changes to your computer.

Install anti-virus software to protect your data from viruses and malware

Apply security updates as soon as you receive them

Check the security certificate before you enter personal or financial information into a website.

You can do this in most web browsers by checking the yellow lock icon on the status bar. If the lock is closed, then the site uses encryption to help protect any sensitive, personal information. If you have an up-to-date browser (which we recommend you always do), look for the green bar.

If an email or text looks suspicious, stop before you click

Look carefully at what it claims and think about whether it makes sense

Never click links within an email messages unless you are sure of the destination

Check the branding, language and spelling to judge whether it seems legitimate

Call the company and make sure the email came from them

Links in phishing email and text messages often take you to phony sites that encourage you to transmit personal or financial information. Even if the address bar displays the correct address, don't risk being fooled – con artists can display a fake URL in the address bar on your browser.

Consider reporting phishing to the Government of Canada Spam Reporting Centre at http://www.spam@fightspam.gc.ca. Report additional specifies such as resulting malware infection online at fightspam.gc.ca/src

If you did click a link on a phishing email or text

If you clicked on a link in a phishing email or text and/or provided personal banking information, we strongly recommend the following:

Please contact Bulkley Valley Credit Union immediately 1-888-289-4331

Report Compromised SIN to Service Canada at 1-800-206-7218 or 1-800-O-Canada (1-800-622-6232)

Report Compromised BC Driver’s License Information

ICBC 1-800-950-1498,

EDL (Enhanced Drivers Licenses) 1-866-972-6888

Credit Reporting Agencies:

Trans Union Canada http://www.transunion.ca/ 1-800-663-9980

Equifax Canada http://www.equifax.ca 1-800-465-7166

Depending on what personal and banking information may have been compromised, additional steps may need to be taken to protect yourself from fraud going forward.

Keep Personal Information Safe

Never respond to unsolicited requests for banking or personal information. Bulkley Valley Credit Union will never solicit account information from our members by email or text. If you receive an email or text that appears to be from Bulkley Valley Credit Union asking for account information, including online banking credentials, it is fraudulent.

What is identity Theft?

Identity theft begins when someone obtains your personal information such as your driver’s license, date of birth, heath card number, online passwords, credit card number or your card’s Personal Identification Number (PIN).

With a few pieces of personal information they can begin to make financial transactions in your name. They might open a new credit card account, take out a car loan or mortgage your home. You probably won’t realize what has happened until it’s too late and your credit rating is affected.

Protect Your Identity

Don’t carry your Social Insurance Number (SIN) or birth certificate with you. Keep them in a safe place.

Check your credit report at least once a year to look for any credit inquires or changes you have not authorized

Be suspicious of any email or online pop-up windows that asks for personal or financial information

Don’t overshare on social media. Scammers can use your birth date and other personal information to steal your identity

To get more information please visit Government of Canada (Public safety Canada) http://www.publicsafety.gc.ca

 

Learn How to Recognize a Scam

What is Phishing?

Phishing is a type of online deception, using fraudulent emails and text messages sent to unsuspecting users. They are often impersonating well-known companies, banks and government agencies. It’s designed to steal personal data, and they may ask you to confirm credit card numbers, passwords or other account information.

How does phishing work?

In a typical phishing incident, a cybercriminal will send you a fraudulent email or text message that appears to come from websites you trust – like Bulkley Valley Credit Union or your phone company – and will request that you click on a link which takes you to a fraudulent website where you will be asked to enter your online credentials and provide personal information. The thief will then use the information they receive to access your bank or credit card accounts, spend your money or steal your identity.

Phony email, text messages and websites often include official-looking logos and identifying information fraudsters have taken directly from legitimate websites. These copycat sites, also called "spoofed" websites, are often where people will unwittingly send personal information to cybercriminals.

Common Online Scams are

o    Email scams

o    Phishing

o    Brand Spoofing

For more information on scams and how to avoid compromising your personal and financial information, visit the Government of Canada website http://www.competitionbureau.gc.ca

 

Protect Your Payment Cards

Canadians are one of the biggest users of debit, credit and ATM’s in the world. While INTERAC services are among the most secure in the world, debit card fraud does occur.

Follow these steps to protect yourself:

When you receive a new debit or credit card sign the back immediately

Carry only the cards you use most often and leave others in a safe place

Always check your monthly statements and notify your credit union if you see any unfamiliar transactions

Notify you Credit Union if you are unable to retrieve your card from an ATM or if someone tries to distract you while using one

Be PIN Smart

Avoid choosing an obvious Personal Identification Number (PIN), such as your phone number or date of birth

Change your PIN at least twice a year

Don’t use the same PIN for your cards

Shield your PIN with your hand, body or a piece of paper

Memorize your PIN, NEVER write it down

Don’t disclose your PIN to anyone

Watch for Skimming Devices

Card skimming happens when a criminal attaches a device to a card reader to collect data from the card. If an ATM or point of sale (POS) device looks like it has been tampered with don’t insert your card or enter your PIN.

If your Bulkely Valley Credit Union card has been lost, stolen or compromised call your branch. If this occurs after branch hours call 1-866-758-5678. You will need to know your debit card number in order to cancel it after branch hours.

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