Safeguarding Your Information
Target Security Breach
As most of you know, Target stores recently reported a significant data breach. This security breach compromises the data of all Target Credit Cards and Debit Cards issued. This compromise also poses a risk to any consumer who used any credit card or debit card at any Target location between November 27, 2013 and December 15, 2013. As a precaution, Pelican State Credit Union has issued new Pelican VISA Credit Cards and Debit Cards to members who are at risk because they used their cards at Target during that timeframe.
Members should carefully review their statements. If there are any unfamiliar transactions, please contact us immediately and we will be happy to dispute them for you.
- Pelican has reissued all VISA Credit Cards and Debit Cards used at a Target between November 27, 2013 and December 15, 2013. You should receive your card within 7 - 10 business days.
- You must activate and begin using your new Pelican VISA Credit Card or Debit Card before January 16, 2014. After this date, your old card will no longer work and your purchases will be declined.
- As soon as you activate your new VISA Credit Card or Debit Card, call 1-800-682-6075 to block your old card instantly. Please cut up the old card and throw it away.
- Some members have requested to keep their old VISA Debit Card or Credit Card. Unfortunately, Pelican will not be able to honor this request. We must issue a new card to anyone who was affected by the compromise; failure to issue new cards will put the member's account at risk, as well as Pelican.
- According to Target, purchases made online at www.target.com were not compromised; only credit cards and debit cards used for in store purchases are at risk.
- For questions regarding you Target Red Card, please call Target directly at 1-866-852-8680.
- Pelican is diligently monitoring VISA Credit Card and Debit Card information exposed to this compromise to ensure it is not being used for fraudulent transactions. We ask that members carefully review their statements. If there are any unfamiliar transactions, please contact us immediately and we will be happy to dispute them for you.
We apologize for any inconvenience this may have caused. If you have any questions concerning this matter, please click here to contact us online or call 1-800-351-4877.
More Scams Resulting from Target Compromise
The Federal Trade Commission, in a blog, said that scammers claiming to be Target are sending out phony Target emails pretending to help those with compromised cards. Instead, the scammers "actually want to trick you into giving them your personal information. And they are skilled at making the emails look real," said FTC (OnGuardOnline.gov Dec. 23). FTC advised anyone getting an email claiming to be from Target to do two things:
1. If the email asks for personal or financial information, assume it is a scam. Don't reply. No legitimate business will ask for personal information through unsecure methods like email.
2. If there are links in the email, don't click on them, even if they seem legitimate. Scammers can use links to install viruses that direct you to spoof sites that aim to steal information. Hovering over a link can reveal a deliberately misspelled Web address or a completely different destination. "Your best bet is to type the URL directly into your browser," FTC said.
Safeguarding Your Information
In today's high tech world, we are able to do things more quickly and conveniently electronically whether it is to send a letter via email, pay bills or even go shopping online. With this increase in speed and convenience also comes increased risk. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. At Pelican State Credit Union, the security of member information is a priority. We are strongly committed to the safety and confidentiality of your records. One of the best ways to avoid fraud is to become an educated consumer and we would like to help you in this endeavor. Please take a moment to read this important information on ways to try and stay safe when conducting business online.
How to Keep Yourself Safe in Cyberspace
An important part of online safety is knowledge. The more you know, the safer you'll be. Here are some great tips on how to stay safe in cyberspace:
1. Set good passwords. A good password is a long combination of upper and lower case letters and numbers and one that is not easily guessed. Change your password frequently. Don't write it down or share it with others.
2. Don't reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe, do not send your personal information such as account numbers, social security numbers, passwords etc. via email or texting.
3. Don't download that file! Opening files attached to emails can be dangerous especially when they are from someone you don't know as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a good antivirus program on your computer that is up-to-date.
4. Links aren't always what they seem. Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, type in the URL address directly and then log in.
5. Web sites aren't always what they seem. Be aware that if you navigate to a Web site from a link you don't type, you may end up at a site that looks like the correct one, when in fact it's not. Take time to verify that the Web page you're visiting matches exactly with the URL that you'd expect.
6. Logoff from sites when you are done. When you are ready to leave a site you have logged in to, logoff rather than just closing the page.
7. Monitor account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away.
8. Assess your risk. We recommend periodically assessing your online banking risk and put into place increased security controls where weaknesses are found; particularly for members with business accounts. Some items to consider when assessing your online banking risk are:
- Who has access to your online business accounts?
- How and where are user names and passwords stored?
- How strong are your passwords and how often are they changed? Are they changed before or immediately after terminating an employee who had access to them?
- Do you have dual controls or other checks and balances with respect to access to online banking transactions?
What to Expect From Pelican State Credit Union
· Pelican State Credit Union will NEVER call, email or otherwise contact you and ask for your user name, password or other online banking credentials.
· Pelican State Credit Union will NEVER contact you and ask for your credit or debit card number, PIN or 3-digit security code. Please see below for more information about how our card providers, Jack Henry (Pemco) and Pulse, approach customer service calls.
Credit Cards & Debit Cards
Our card providers, Jack Henry (Pemco) and Pulse, may identify themselves as Card Member Services. They will never ask for your card number, expiration date or CVC (security) code.
· Verify your street address.
· Verify the last four digits of your Social Security Number.
· Ask for the last four digits of your card number.
· Ask to verify the amount of your last transaction or payment.
If you are uncomfortable with the call, please hang up and call them back on the 800 number of the back of your card.
Rights and Responsibilities
With respect to online banking and electronic fund transfers, the Federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described in the Account Information Disclosures you received when you opened your account with Pelican State Credit Union. Ultimately, if you notice suspicious account activity or experience security-related events, please contact the credit union immediately at 1-800-351-4877.