woman using smartphone with key on shield icon on top
Protect yourself from fraud!
Scams and fraud is on the rise. How can you help prevent you or someone you know from falling victim?
Banks never ask that!
Tips to avoid scams
Beware of Links: Banks will never send you a text or email that asks you to click a link. If you receive this type of message, don’t respond – just delete it and call your bank to confirm they didn’t send it.
Beware of Scare Tactics: Some scams pressure or even threaten you to respond, but don’t! Instead, call your bank to see if it’s a scam or not.
Protect your Confidential Information: Your bank will never ask for your account number, social security number, name, address or password in an email or text message. They will only ask you to provide this information to verify your identity when you call them directly.
Call the Number on your Card: If you receive an email, text or call and you have suspicions, play it safe by calling the number on the back of your card to speak to someone at your bank about the message you received.
Watch for Misspelled Words: It’s very common to find typos in a fraudulent text or email. If you find one in the message, you know it’s a scam!
It's your identity
Identity theft occurs when someone uses another person’s personal identifying information, like their name, identifying number, or credit card number, without their permission, to commit fraud or other crimes.
Do you think you or someone you know is a victim of identity theft?
Opt out Prescreen
Protect your information
Under the Fair Credit Reporting Act, the Credit Report Companies are permitted to include your name on lists used by creditors or insurers to make firm offers. If you would like to opt out, you can go to this website: https://www.optoutprescreen.com/.
If you choose to Opt-Out, you will no longer be included in firm offer lists provided by these four consumer credit reporting companies.
Stay safe during the holiday season
Preventive Steps for You
Monitor Credit Report
Your credit report may affect mortgage rates, credit card applications, or even some job applications. Reviewing your report annually helps you catch signs of identity theft early. You can receive your free annual credit report from any three of the major bureaus (Equifax, Experian, and Trans Union) through www.annualcreditreport.com
Be Vigilant Against Financial Abuse
Control Your Debit Card
Protect Your Device
- Keep your device’s operating system, software, and apps up to date—be sure to go the company’s website to confirm the update is legitimate
- Install and regularly update anti-virus software on your desktop, laptop, and tablet
- Set up a password for your device and lock it when not in use
- Do not install or run any program or app on your device, unless it is from a trusted source
- Before you sell, donate, or trade in your device, make sure to wipe it or do a factory reset on it. This option can typically be found under a settings or control panel.
Protect Your Information
- Create cOmplic@t3d passwords and change them at least 3 times a year
- Always log out when finished using UCB’s digital banking
- Never store personal or financial information, including passwords, on your device
- Be cautious using public Wi-Fi as even reputable hot spots can be compromised
- Don’t click links in spam emails—even those forwarded to you by someone you know
- Monitor your financial statements regularly for unexplained activity and promptly dispute any activity that looks suspicious. Using our free digital banking allows you to monitor your accounts in real time.
- Periodically check your credit report to make sure all your personal information is accurate at annualcreditreport.com
- Sign up for account activity alerts in digital banking under Manage Alerts tab
Beware of Common Scams
- IRS scam during tax season
- Tech support scams claiming your computer is infected or damaged and needs to be repaired immediately, and demanding payment.
- Want to learn about more common and clever scams to protect yourself? Visit the Federal Trade Commission’s alert board: www.consumer.ftc.gov/scam-alerts
Be Safe While Shopping Online
- Use secure, unique passwords.
- Use a single card for online purchases (preferably a credit card) and monitor purchases regularly.
- Don’t use public computers for online shopping.
- Beware of phishing ads or popups for deals that seem too good to pass up.
- Make sure you are on the official store website, and not a fraudulent look alike site with similar URL.
What We Do
Notify You of Suspicious Card Activity
We monitor your debit card 24/7 to spot potential fraud or unusual activity. You will be notified of potential fraud as it is identified and may be asked to verify the transaction. This service is of no cost to you.
Offer Discounted Identity Theft Protection
Enroll in Deluxe Provent Identity Theft Program, an online service to protect yourself and your family from identity theft and fraud—also available via an app. Discounts apply for qualifying checking account customers. Contact a personal banker to learn more.
Recover Your Identity
When a data breach, theft, or loss exposes your personal information, take action. The Federal Trade Commission has an easy-to-use, interactive ID checklist to know what steps to take when your information falls into the wrong hands.
Has Your Identity Been Stolen?
Report a Lost or Stolen Card
If you believe that your card has been lost or stolen, call us at 218-346-5700 as soon as possible. If it’s after normal business hours, please call:
- UCB debit cards: 844-202-5333
- Prepaid Visa card: 800-486-0292
- Elan Visa credit card: 800-558-3424
To report fraud on your UCB account or if you have any questions, call us at 218-346-5700.
Contact one of the three major credit bureaus to place a fraud alert on your credit report, as well as a victim’s statement asking that creditors call you before opening new accounts or charging existing ones.
- Equifax (888) 766.0008
- Experian (888) 397-3742
- Trans Union (800) 680-7289
As required by law, that credit bureau will report the information to the other two bureaus for you. You should also:
- contact creditors for any accounts that have been affected
- always follow up with a letter and keep copies of everything
- close affected accounts and assign passwords to new ones
If you ever receive a suspicious piece of communication supposedly from us, please call us at 218-346-5700 to confirm it.