Telephone Scam - July 2010
The Credit Union has been made aware of a telephone scam targeting our members. Please be advised that the Credit Union will never call you asking for your account number or PIN. If this happens, it is fraudulent and you should NOT respond!

If you have been a victim of this scam and any personal information was given, please contact the Credit Union immediately at 410-222-7283.

The Credit Union takes guarding your financial information very seriously. Should you have any questions or concerns, do not hesitate to contact a C. U. representative.

VISA PHISHING ALERT - January 2010
We have been advised that a new phishing attempt is currently circulating.  If you receive an email with the Subject line of:
VISA 4XXX-XXXX-XXXX-XXXX: possible fraudulent transaction ID, ignore and delete it.  Do not click on any links in the email.  Visa does not send email notifications to verify suspicious information.

ACH Alert Scam - November 2009
Random individuals and/or companies may have received a falsified e-mail with the subject title "Rejected ACH Transaction." This e-mail appears to be from NACHA - The Electronic Payments Association telling them that there is a problem with an ACH transaction they have originated. The e-mail includes a link which redirects the individual to a fake web page which appears like the NACHA website and contains a link which is almost certainly executable virus with malware. See sample below.

Please alert any financial institution and/or company who have questions about this site and inform them that the e-mail did not originate from NACHA, the website is not that of NACHA's, and inform them to not click on the link.

Sample E-mail

From: nacha.org [mailto:report@nacha.org]
Sent: Thursday, November 12, 2009 10:25 AM
To: Doe, John
Subject: Rejected ACH transaction, please review the transaction report

Dear bank account holder,

The ACH transaction, recently initiated from your bank account, was rejected by the Electronic Payments Association. Please review the transaction report by clicking the link below:

Unauthorized ACH Transaction Report (this is how the link is presented)

To ensure receipt of our emails, please add machainfo@macha.org to your
address book. Continue to check the MACHA Website for new programs and
industry updates

MACHA - The Mid-Atlantic Payments Association
1344 Ashton Road / Suite 202 / Hanover MD 21076 / www.macha.org

Online Purchasing Pop-Ups Scam - January 2009
It has come to our attention that pop ups may appear when purchasing items online. The pop-up asks for a Social Security Number and a PIN to secure the sale. Walmart.com was one site that the pop-up appeared. DO NOT respond to these pop-ups!

Text Message Scam – December 2008
It has come to our attention that scammers are texting individuals on their cell phones with a message concerning their ATM cards. Do not reply to this message. It is a SCAM!!!!

Phone Call Scam... Be Aware - November 2008
We have been made aware of a phishing scam in current operation that has affected AACE FCU. Phones calls are being made using a random dialer. The recording states the call is being made by Anne Arundel Credit Union notifying the cardholder their card has been deactivated and they will need to input the card information in order to have it reactivated. The fraudsters do not know if the household they are calling is a member of AACE FCU, they are counting on the volume of calls being placed to produce the desired results. They assume the odds are that they will contact some of our members and some will enter their card information. Apparently this is a widespread problem and is affecting financial institutions around the country. It does not appear to be related to a breach but rather a trolling, random dialer in targeted communities. AACE FCU would never contact members asking for information we already have. If you receive one of these phone calls, please do not key in your account information.

VISA Alert - January 2007
Visa USA has notified financial institutions of a potential compromise involving account data from all card brands. We urge you to take all the necessary steps to prevent fraud from occurring on your debit and credit cards. It is very important to review your account(s) on a monthly basis (monthly statement), if not daily. Report all unauthorized transactions to the Credit Union immediately.

NETELLER EMAIL
Please be aware that some members are receiving emails from NETELLER a pay online service. This is not the Credit Union's Online Banking product. Please do not respond to this email.

VISA Check Card Usage Alert
Due to recent fraud ulent account activity originating from foreign countries, all Visa Check Card transactions from foreign countries have been blocked. If you are planning to travel outside the U.S., please notify the Credit Union so that we may modify your account appropriately. Your cooperation in this matter is greatly appreciated.

Internet/E-Mail Fraud Alert
Below, is an excerpt from the NCUA Web Page concerning the phishing emails that have recently been received by the general public. For more information, please visit NCUA’s website at www.ncua.gov.

Recently, there have been multiple e-mail fraud attempts, known as "Phishing”, that were initiated via e-mail sent to both the general public and to some credit union members that appeared to be from NCUA. This false e-mail asked for the recipient to click on a link to verify their credit union account registration. If the recipient proceeded to do so, the link directed them to a false website and asked for their credit union account number and PIN, along with other personal information.

NCUA does not ask credit unions members for such personal information. Anyone who receives an e-mail that purports to be from NCUA and asks for account information should consider it to be a fraudulent attempt to obtain their personal account data for an illegal purpose and should not follow the instructions in the e-mail.

If you responded to such an e-mail and provided any confidential account information, please notify your credit union immediately of the scheme. You should also change your account’s PIN, and take any additional action recommended by your credit union to protect your account.

If you feel that you have received a fraudulent phishing e-mail purportedly from NCUA please forward the entire e-mail message to Phishing@ncua.gov

Additionally, you can file formal complaints concerning any suspected fraudulent e-mail with the Internet Fraud Complaint Center (IFCC) at www.ic3.gov. The IFCC is a partnership between the Federal Bureau of Investigation, and the National White Collar Crime Center.