Fraud Prevention Tip

September 18th, 2017 – FRAUD ALERT

Equifax Data Breach

Here’s what we know:

Approximately 143 million Americans’ personal information: Social Security numbers, birth dates, addresses, and possibly driver’s license numbers have been accessed by hackers. The unauthorized access began mid-May and continued through July 2017. Equifax stopped the intrusion on July 29, 2017, and has been conducting a thorough investigation.

To find out if your information was compromised:

  1. Visit
  2. Click Potential Impact tab
  3. You will be prompted to enter your last name and last six of your social security number

After submitting, you will receive a message indicating whether your information may have been impacted or not. If in fact it may have been impacted, you will be prompted to sign up for free credit monitoring and identity theft protection from TrustedID Premier.  However, you will not be able to enroll until the date provided.  The free service may NOT be immediately available.

Don’t wait! Although Equifax’s security breach is out of your hands, we want you to know you can protect yourself. We offer Advantage Secure Checking, our most valued checking account, with IDProtect identity protection and resolution services. IDProtect allows you to regularly monitor your financial accounts and billing statements. You will also receive credit reports from all three credit bureaus.  With the Credit File Monitoring feature you can setup alerts to notify you any time changes or inquiries are made to your credit report.

Be Extra Careful During This Time

In addition to opening an Advantage Secure Checking account and enrolling in IDProtect services, you may also act on the following to protect yourself now.  Decide which is right for you:

  1. Request an Initial 90 Day Fraud Alert or Active Duty Alert from Equifax.
  2. If you find out your information has been compromised AND has been used by someone other than yourself, you may place a freeze on your credit by contacting all three credit bureaus (Equifax, Experian and TransUnion). To freeze your credit with all three bureaus will cost approximately $25 for an individual.
  3. For more information regarding the breach visit

July 23, 2014 – FRAUD ALERT

We have been notified of FAKE TEXT messages seeking sensitive information. Remember, PacTrans FCU will NEVER text you or call you for personal information. If you have further questions or concerns, please call 424.233.3091. Here is an image of the fake text:


fake text


Recent media reports have surfaced about a potential security breach of the popular OpenSSL. They have been calling it the  ‘Heartbleed Bug’. To learn more about the Heartbleed Bug and to protect yourself,  click here:

UPDATE: Changing Passwords After the Heartbleed

You have no doubt heard about the Heartbleed bug by now and that you should change your web site passwords. It has affected sites such as Gmail and Facebook, as well as many other web sites you use on a regular basis and it is considered a serious matter.

It’s difficult to know which sites have been affected by Heartbleed or what information may have been compromised. The advice being given by security experts is to wait till these companies have a chance to fix the issue and then change your passwords to those sites. Unfortunately, we don’t know when the issue will be fixed for all of them.

That said many of the most popular banking, social media, and commercial sites are starting to report it has been resolved. It isn’t known what, if any, information was taken as a result of this, but changing your passwords is a good precautionary measure after sites have been patched.

Companies are starting to post their status on addressing Heartbleed and it’s likely you can find something on their websites about it. If it has been addressed, the main passwords to change are:

·  Financial institutions such as banks and brokerage accounts

·  Email

·  Tax Filing Sites

·  Healthcare sites

·  Online shopping sites or any site where you have an account and use a credit card (Amazon, eBay, Walmart online)

·  Social Media (Twitter, Facebook, LinkedIn, etc.)

Remember not to panic. You need to be aware of this and you should change your passwords, but it isn’t all gloom and doom. Living in our world now means exposing yourself to this risk. Just be sure to take other steps to limit your exposure and use common sense as if walking around a strange city. The city is just virtual now.

PacTrans FCU will never call you and ask you personal information. Should you receive any calls or emails it is important to NOT GIVE OUT any personal information. Please call PacTrans FCU right away at 424.233.3091.


The summer travel season will be upon us soon. With more traveling, means more chances you’ll be using your debit card for purchases. To keep your information safe, it’s important that you stay proactive. Here are some tips to keep your debit card safe and away from fraudsters.

  1. Treat your debit card like cash, always keep it somewhere safe and out of sight. Call PacTrans FCU  immediately at 424.233.3091 if your card is lost or stolen.
  2. Do not give your debit card over the phone unless you initiate the call. The same applies with emails; never send your debit card information via emails.
  3. As your shopping activity goes up, it’s important that you review your account activity regularly. If you find any discrepancy, call PacTrans FCU right away.
  4. Do not write your PIN number down, memorize it! NEVER give your PIN to anyone. Shield your PIN number when you have to use it to ensure no one sees it.
  5. Be safe online as well as your mobile phone! Never purchase from a site that you do not trust, and always make sure the site you are purchasing from is secured. Look for “https://” the “s” stands for “secured” and means the page is encrypted.
  6. Never us your debit card to make purchases on a public free wifi network typically found at local coffee shops.