The highest level of protection.
At California Coast Credit Union, we want to assure you that your personal and financial information is safe and secure. One of our top priorities is to keep information about your accounts private. We utilize a multi-layered defense-in-depth security strategy.
We want to help protect you from the threat of identity theft and online fraud. Identity Theft means that your personal information such as your Social Security number or driver's license number is obtained and used by an impostor. Thieves can obtain your information by means of not only stealing your wallet, but also by stealing your mail, phishing, computer scams or viruses, confiscating documents found in your trash, or even a data breach. California Coast Credit Union does not communicate with members through text messaging (other than mobile banking commands and eAlerts) and would never ask for personal information via email.
Identity theft which occurs when an identity thief gains access to and uses an individual's personal identifying information without his or her knowledge in order to commit fraud or theft. These tips can help you minimize your risk of becoming a victim of identity theft.
There is a new variation on the classic overpayment scam which is disguised as a job opportunity with stipulations. People may answer an ad posted in the newspaper (including college papers) or post their resume on monster.com or careerbuilder.com and fall victim of this newer overpayment scam.
In these scenarios, people receive a job offer from legitimate companies and are then sent a check and/or money order. They are told that they can deposit the check and keep a certain portion of the amount but are then instructed to wire the remainder.
Keep in mind that it doesn’t matter why you are supposed to send money back. Scammers give many different excuses that seem reasonable. It is best to avoid all overpayment scams by never agreeing to handle financial transactions for people you don’t know or who offer you a job. As a rule, never accept a check or money order and turn around and send part or all of the money to anyone.
If you receive a check in the mail with a letter that says you've won the lottery or a sweepstakes or that you've been selected to participate in a secret shopper program, there's a very good chance the check is counterfeit. If you receive a check in the mail because you've sold something on the internet or signed up to work from home, and the check includes an overpayment that you are supposed to return, there is also a likely risk that the check is counterfeit.
Some of these checks look authentic and include the names and addresses of legitimate financial institutions. In addition to checks, counterfeits can also come in the form of official checks, money orders, business checks or personal checks. If you receive a check from an unknown source, contact the financial institution it's written on to help you verify the validity of it. You can find contact information from a public source such as the institution's website or the phone book. Never rely on the contact information on the check or any letter that accompanied the check.
Legitimate California Coast Credit Union's cashier's checks will never be used to fund secret shopper programs, sweepstakes or other similar transactions where you are asked to send money to claim income or winnings. If you are ever in doubt of the validity of a California Coast Credit Union cashier's check you've received, please contact us immediately at (877) 495-1600.
Here are some other tips that will help you avoid becoming the victim of a counterfeit check scam:
Online banking users should be aware of a new variation of a 'social engineering' attack. Criminals are using a computer virus, called Citadel, to launch this attack in an attempt to steal personal and/or account information, including online banking login passwords. The latest version uses social engineering tools to create fake pop-ups, even on legitimate banking sites. This could trick online users into re-entering their bank and credit union account logins and passwords. That could confuse members making online transactions at their credit union's site. See below example below.
A pop-up requesting information could look like this:
What to do if you think your computer has been infected.
If you suspect your computer is infected, or if you see a screen similar to the one above, do not enter your personal information. Call our Member Service Center immediately, at (877) 495-1600. We suggest that you also contact a qualified computer technician to assist you.
For more information you can go to this website.
The National Credit Union Administration (NCUA) has issued an alert about a new scam targeting credit unions members. Follow this link for more information: Click here!
The agency warned of fraudulent emails pretending to come from the NCUA and asking credit union member participation in an "Online Survey" or "Member Survey." The emails promise a $40 compensation as an inducement to respond to the email.
The emails are fraudulent, the NCUA warns, and may be an attempt to obtain confidential member information. The agency does not solicit such information from credit union members.
This is a phishing activity with no NCUA activity or approval. If you have received these emails please do not respond. If you have any questions or concerns please email NCUA at firstname.lastname@example.org, or call California Coast Credit Union at (877) 495-1600.
Phishing (pronounced "fishing") attempts are on the rise. Beware of people requesting information over the phone, by text message or by email. Phishing scams involve criminals who try to trick people into providing personal information (such as credit card numbers, PINs, financial account or other sensitive information).
The criminals who "phish" get more creative all the time! It's important to be aware of the common traits of phishing attempts so you'll recognize them as they evolve. Here are a few to consider:
Phishing emails are designed to load malicious software on your computer to gather information or just to do damage to your hard drive. The best ways to avoid compromising your computer's security is to ensure that you keep updated anti-virus software on your computer and avoid opening emails unless you know the sender. Be particularly careful of emails that contain attachments.
Zeusbot - Recent Scam (ZeusBot)
Online banking users should be aware of a new variation of a 'phishing' attack. Criminals are using a computer virus, called ZeusBot or Zbot, to launch this attack in an attempt to steal personal and/or account information, including online banking login passwords. This virus is widespread, but at this time does not affect Mac (Apple) computers.
This virus operates by opening a tab or window in your browser that will appear to be part of the login process for online banking or e-commerce sites (such as eBay, Amazon, etc.). This window will ask for login passwords or credit card information, as if confirming the users' identity. If such an unsolicited window appears on your PC, especially during an online banking session,
do not enter information into that window.
This virus can infect your PC by visiting an infected website, not related to your online banking provider. Once a PC has been infected, it will continue to collect personal information such as passwords and card numbers, even if you are entering them into legitimate sites. You do not have to enter this info into the virus' pop-up window to be affected. The only way to know if your PC is infected is if your anti-virus detects the virus, or if you see one of the unsolicited pop-up windows. Please be aware that not all anti-virus programs have yet been updated to detect or clean this virus.
The fraudulent screens may appear similar to the one below, which may ask for your login information (user name and password) or other personal information.
Vishing is the criminal practice of using social engineering (using the phone) and/or Voice IP (calling through a computer) to gain access to private personal and financial information for the purpose of committing fraud.
These are disguised as legitimate calls from fraud prevention departments requesting or verifying your personal or financial information. Do not give out your information. Instead, if you have questions, please call California Coast Credit Union or the financial institution that issued the card.What to do if you think your computer has been infected.
If you see similar screens on other financial institutions or secured websites where you might make online purchases, do not proceed and report the issue to the owners of those sites.
Each year scam artists and identity thieves steal billions of dollars from unsuspecting consumers. These criminals use the phone, email, text messaging, postal mail and the internet to steal your information or trick you into handing over your money. Learn how to recognize common scams, take action if you think you are a victim of fraud, and what you can do to protect your finances from fraud. Learn more.
Cyber attacks, identified as a Distributed Denial of Service (DDoS), have recently been in the news. The intent of such an attack is to prevent Internet access. What this could mean for our members would be the inability to access the credit union's website and services such as online banking.
We cannot know if or when these this event will actually occur. However, aside from the inconvenience of a potential disruption of online service, be assured that your member information will remain secure and protected.
Our members are our most valuable asset. That’s why everything we do — from the accounts, loans and rates we offer, to the personalized caring attention we provide — is designed to help you to achieve your goals.