Protect your money and yourself against fraud.

• We encourage all our members to regularly check their account transactions for activity they don’t recognize, including fraudulent deposits.
• These deposits are often returned as counterfeit after the fraudster has already withdrawn them, leaving you responsible for that amount.
• If you find a suspicious transaction, 立即通知中华总工会潜在的欺诈行为，以保护自己.

Skimming captures magnetic info from a credit or debit card and uses it for fraudulent purposes. To help prevent your card from being skimmed:

• 不要使用看起来被篡改过的自动取款机或信用卡机.
• 在自动取款机或信用机输入密码时，用手保护好密码.

Phishing scams include “spoofed” emails and fraudulent websites that appear as though they’re being sent by a person or organization you already know and ask you to provide or “verify” your personal, private information (passwords, credit card numbers, account numbers, etc.). To avoid phishing:

• 在使用互联网和回应电话请求时要谨慎.
• Be suspicious of any email that is marked urgent request and asks for personal information.
• 不要点击一封你不确定是否真实的邮件中的链接.
• Look for “http://” 在提供您的借记卡或信用卡信息时出现在网址前面.
• Review your statements regularly.
• Be suspicious of emails that claim to be from your financial institution and request information from you.
• 在电脑上安装防火墙和反间谍软件.
• 定期更新浏览器的安全补丁.

SMiShing, a combination of “SMS”, the technical term for texting, and “phishing,使用短信提示个人向“SMiSher”提供他们的个人信息, private information. To avoid SMiShing:

• 永远不要回复要求提供私人信息的短信. 如果在您的帐户上检测到可疑活动, we will call or text and you can follow the instructions to answer questions regarding your recent card activity.

Identity theft, the fastest-growing crime in the country, 当有人偷了别人的私人信息, 私人信息，然后假装是那个人. Minimize your risk of identity theft:

• NEVER give out personal information over the phone/internet unless you initiated the transaction.
• 不要把你的社保卡放在钱包里.
• Make copies (front and back) of all cards and pieces of information you carry with you in case your wallet is stolen and keep them in a secure location.
• 立即销毁所有未使用的预批准信用卡优惠.
• Remove mail promptly from your mailbox each day and ask the post office to hold your mail until you return if you plan to be out of town for an extended period of time.
• 每年检查您的免费信用报告，以确保所有信息是准确的.

注意你在社交媒体平台上分享的信息. Cybercriminals often use personal details gathered from your profiles to target you and even your family members.

Stay vigilant against phishing attempts by verifying the legitimacy of unexpected links in emails or messages, 因为这些骗局的目的是利用信任和危害您的在线安全. 如果你接到一个自称是可信公司打来的电话, even if the caller ID seems legitimate, it’s best to end the call and independently contact the company using a trusted number to verify the authenticity of the call.

Your SSN is a precious piece of information. 只有在绝对必要的情况下才向可信任的实体披露.

If you receive unsolicited calls requesting sensitive information such as bank account details, SSNs, birthdates, or any other personal data, hang up immediately. 合法组织不会在没有正当理由的情况下要求提供此类信息.

在您的帐户上启用MFA对于确保您的数字存在至关重要, significantly reducing the risk of unauthorized access and safeguarding your sensitive information from potential security threats.

Pay close attention to your billing cycles. 如果你发现账单或财务报表被延迟了, contact the sender to verify the situation.

定期查看你的信用卡和银行账户对账单. Compare receipts with the information on your statements to detect any unauthorized transactions promptly.

处理敏感文件，如收据, credit offers, account statements, and expired credit cards by shredding them. 这有助于防止身份盗窃，尤其是那些翻找垃圾的人.

By signing up for these alerts, 我们会立即通知您任何与您的账户相关的可疑活动. 保持对账户活动的关注是很重要的，特别是如果存在欺诈行为.

以下是在您的帐户上设置提醒的步骤:

1. Login to Online or Mobile Banking.
2. For mobile, click the “More” menu at the bottom of the screen.
3. Click on “Notifications” and “Alerts”.
4. Select the account for which you want to set up an alert.
5. Click the toggle button for “Transactions” and set your preferences in the window that opens.
6. Set your dollar amount and delivery method. 你可以收到短信、电子邮件或推送通知，或者三者都有!
7. Click Save.

每年至少一次从主要的信用机构获取和审查你的信用报告. Ensure there are no suspicious activities or errors that could negatively affect your credit score.

如果你怀疑你的身份被盗，考虑冻结你的信用档案 Equifax, Experian, Innovis, or TransUnion. 冻结你的信用可以帮助防止未经授权的访问你的信用记录, 让身份窃贼更难以你的名义开户.