Warrenton ATM Skimmer

On Sunday 07/22 at 1:05 pm, a member of the public discovered a suspicious device on the outermost WCU ATM at our Warrenton Branch. Warrenton Police were notified and established the device to be a card reader (ATM skimmer). It is estimated the card reader was placed on the ATM at approximately 10:00 pm on Saturday 7/21.

Police are in possession of the reader. At this time, we believe the reader did not have the capability to transfer data wirelessly and was never retrieved by the culprit, and therefore no member information was compromised.

Members should closely monitor their accounts and statements for any suspicious activities and immediately call 1-800-773-3236 if there are unauthorized charges, withdrawals, or even deposits.

If it is determined that any member’s information has been compromised, we will immediately take action to ensure card/s are replaced and any other potential issues are secured.

It is our practice to audit all WCU ATMs multiple times daily for card readers. This is the first incident of an ATM skimmer found on a WCU ATM, but it does happen with regular frequency throughout the country.

For more information on skimmers and other fraudulent activity, we recently posted a blog about skimmers https://waunafcu.org/blog/fraudsters-and-skimmers-oh-my/.

A picture of the actual card reader is below.

Warrenton ATM Skimmer
A picture of the actual device

 

The Equifax Breach: Your Comprehensive Guide.

UPDATE 11.17.17: In light of the Equifax breach and the fraud attempts on our members’ Credit Cards, ACH payments over $500 will have a 6 day hold placed before the funds will be made available to the member. Unfortunately there is not a way to narrow the ACH to just Telephone Payments, so it does apply to all ACH payments (web, recurring, etc). There also is not a way to exclude our routing number, so it will also apply to payments drawn on Wauna Credit Union Accounts.

UPDATE 9.26.18: Starting 9.21.18, a new federal law allows people to freeze and unfreeze their credit at the three major credit bureaus without being charged. Before, it cost consumers in almost half the states $3 to $12 per bureau to freeze or unfreeze their credit reports. For more information read the article found at https://www.usatoday.com/story/money/2018/09/21/equifax-free-credit-freeze-new-law/1377815002/

Who is Equifax?

Equifax is a consumer reporting agency and one of the three largest credit bureaus in the nation that retain the aggregate credit information of some 800 million American and Canadian citizens, including more than 88 million businesses internationally.

Why would they have my sensitive information?

Credit card companies, banks, credit unions, retailers, auto lenders, and mortgage lenders all report this information and the details of your credit activity to the major credit reporting agencies. Every time you open an account, which extends you credit, that company or entity reports the status of your account/s to these bureaus.

What happened?

In May of 2017, hackers trolling the internet for computer systems containing an exposed security flaw, discovered an Equifax server using outdated Apache software vulnerable to such an attack.

What was stolen and how many were compromised?

Social Security numbers, birth-dates, addresses, names, and in some cases, driver’s license numbers, credit card numbers, and other documents, are among the data stolen in a breach that has affected more than 143 million US-based users.

Have I been breached?

Many of our members are wondering if they are affected, and if so what to do. The FTC has provided some guidance, but we have included some main steps below. If you do find that you were included, don’t worry, but protect yourself and take advantage of the Equifax services for those whose information was made available.

What do I do?

Guarding your personal information is a huge priority for Wauna Credit Union, and by using advanced fraud-monitoring technology and services, our committed staff is persistently watching your accounts for suspicious activity. In the wake of the Equifax breach, thieves may be even more prevalent in their attempts to steal your information. They might try one or many of the following in order to access your accounts:

  • Fraudsters may use spoofed phone numbers to contact the Credit Union (caller IDs may show member’s actual phone number).
  • Suspicious callers are stating they are members, having all the accurate information needed, including name, DOB, DL #s, addresses, transaction history on cards, and traditional info we might ask a person over the phone to ID them.
  • Attempts are being made to place travel notifications so fraudsters can use the cards outside of our members’ normal usage areas.

We understand how overwhelming the thought of identity theft might be, but there are ways to protect yourself against fraud, including steps you can take right now.

1. The best and first place to start is finding out if your data has been exposed. You can do this by entering your last name and the last six digits of your Social Security number at Equifax’s website. The site will tell you if you’ve been affected by the data breach*.
*As of 09/29/2017 this service has been listed as “temporarily unavailable”. Continue to check regularly as Equifax catches up to mass inquiries.

2. Whether or not you’ve been compromised, U.S. Equifax consumers are eligible for year of free credit monitoring and other services**. The site has provided a date when you can come back to enroll.
**Equifax has confirmed people who enroll in the credit monitoring program as a result of the breach would not waive their right to class action.

3. Use strong passwords and always be aware of the information you provide when opening an account, conducting a transaction, or anywhere you might be transferring secure information.

4. Review your free credit reports. You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). Get started here.

5. Take the time to monitor your accounts for unusual activity! Accounts on your credit reports that you didn’t open, inaccurate information, or credit inquiries from entities you’ve never contacted are all potential red flags that require immediate attention. If you find evidence of fraud, let us, the appropriate financial institution, and/or the credit reporting bureau know immediately.

6. Open a my Social Security account, which will prevent the bad guys from creating an account in your name, even if they’ve made off with your Social Security number.

7. Consider placing a credit freeze. Placing a credit freeze makes it more difficult for a thief to open a new account in your name. FYI, however, a credit freeze will not prevent a thief from making changes to your existing accounts.

8. Set a fraud alert, which requires creditors to verify your identity before issuing a credit card, opening a new account, or increasing a credit limit on an existing account. A fraud alert will not stop a lender from opening credit in your name, but it does require lenders to take additional steps to verify your identity beforehand. Better to be safe than sorry.

9. If you discover your identity has been compromised, you should file an identity theft report with the Federal Trade Commission (FTC) at identitytheft.gov or by phone at 1-877-438-4338.

10. Due to the increased amount of information available, some people are theorizing that we will see an increase in tax return fraud, so if possible do your taxes as early as possible this year.

Our staff is well-trained in sniffing out potential thieves, but we also need you to be vigilant in watching any accounts you may have outside of the Credit Union. Further, don’t click on suspicious links, don’t open attachments, and don’t respond to emails, text messages, or phone calls that are soliciting your information — no matter who the caller or sender is claiming to be.

In the meantime, rest assured that Wauna Credit Union is working around the clock to safeguard your finances, and we are here to answer any questions or concerns you might have.

For a list of FAQs regarding the breach, please visit https://goo.gl/tGWzP2, and as always, we are here if you have questions or concerns you wish to discuss.

SEPTEMBER STATEMENT INSERT – If you missed our informational insert

September Statement Insert 2016

SEPT.2016SI-Proof-Final_Page_1

SEPT.2016SI-Proof-Final_Page_2

Save the paper, reduce the clutter, & be more secure with E-Statements!

  • E-Statements protect your identity better than paper statements.
  • Just click “E-Statements” in Online Banking* to sign up, it’s so easy!

Want to stay up to the minute with Wauna CU’s Updates, Events, Alerts & Occasional Giveaways?

Enjoy great tips on saving, borrowing, and investing?
Do you like to see our staff being wacky, praised, & even promoted?

That’s what’s on our Social Media Channels – Check us out!

Alert: Brief Disruption Possible for Wauna CU Debit Card Service

EMV card(This notice was sent via email to all Debit & ATM Card users)

Wauna Credit Union has scheduled an important upgrade to the system that supports our Debit & ATM Card program.

Debit card users may experience a brief disruption of service Monday, April 18th, between Midnight and 6:00 a.m. (Pacific time).

Once completed, this system upgrade will enable Wauna Credit Union to provide its Debit card users with greater security when making transactions (using new EMV chip-secured Debit cards). Learn more about EMV chip-secured card technology at our website: https://waunafcu.org/accounts/emv-cards.shtml.

If you experience any problems with your Debit or ATM Card during the upgrade period or afterwards, please call 800-773-3236 and select the appropriate prompts to be connected with our 24/7 Debit Card Support service.

unnamed[1]ATTN: CardNav app users: If you use our CardNav app to protect your Debit card, this service will be discontinued at Midnight, Sunday, April 17th. The exact same service under the name CardValet will take its place.

Please visit our website to learn about the download and required set-up procedures so CardValet can provide you with the same level of personally controlled security for your Debit Card.

Watch the CardValet video

Thank You,

Wauna Credit Union