The safety and security of our member's identity and personal information is our top priority. Our security center will provide you with alerts on the latest fraud and scam attempts we've detected, tips and resources on how to keep your information safe and what to do if you think you are a victim, and so much more!
At California Coast Credit Union, your financial well-being and the security of your funds are top priorities.
With continued media reports about cyber-attacks and security breaches, we want to remind our members about important steps you can take to protect your personal information.
If you have any questions, please visit your nearest branch, or contact our Member Service Center at (877) 495-1600 during regular business hours.
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 various ways including: stealing your wallet or mail, phishing, computer scams and viruses, confiscating documents found in your trash, or even data breach. California Coast Credit Union does not communicate with members through text messaging (other than mobile banking commands and alerts) and would never ask for personal information via email or text.
Keeping our members' accounts and personal information safe is a top priority. Robust defenses with 24/7 monitoring are in place so our members can feel confident and worry free. Our systems have multiple security layers in place to prevent outsiders from gaining access to sensitive information.
Regular audits from industry experts give high marks to our approach. In addition, all member deposit accounts are insured by the National Credit Union Association (NCUA) for up to $250,000.1 Our net worth ratio exceeds the 7% threshold for being defined as well-capitalized by the NCUA.
Cal Coast's Extra Value Checking includes all of the perks of a Free Checking account, but with added security, identity theft protection and monitoring, monthly ATM fee rebates, loan discounts, and so much more. There's no cost to having peace of mind. Simply let us know you're interested in upgrading or opening an account today and get your first two billing cycles fee-free!
Spoofing scams are when fraudsters manipulate or mask the number from which they are calling. We’ve been recently alerted of an increase in spoofing attempts where bad actors will falsely claim to be your Financial Intuition to obtain sensitive information about you or your banking information.
California Coast Credit Union will never:
The FTC's recommendations on how to avoid spoofing:
Please also be wary of other forms of fraud, like fraudulent emails (Phishing) or fraud text messages (Smishing) as these are other common tactics to attempt to gain your personal information for fraudulent purposes.
Juice jacking is in the news again. It has been around since 2021, but the FBI and FCC are raising awareness again.
“Juice jacking” is where bad actors use public chargers to infect smartphones and other devices with malware. This mostly happens in airports, hotels, and shopping centers, so avoid charging your mobile device there.
Tips to help you avoid becoming a juice jacking victim:
If you suspect that you might have been a victim of juice jacking, check your device for any signs of unusual behavior, such as unexpected pop-ups, notifications, or apps that you didn’t install, and report this to your phone provider. As always, we recommend that you report any incidents of juice jacking to the authorities to help prevent others from becoming victims.
Maintaining your computer with the latest updates is one of the most effective security precautions that you can take. As vulnerabilities in software are discovered, the software companies release updates, or patches, to address these issues. Many of these programs can be configured to automatically check for updates over the Internet.
Adobe has recently released several updates to their products.
Microsoft releases updates for their Windows operating systems and their MS-Office suite on a weekly basis. It is highly recommended that your home PC is maintained with these updates on a regular basis. Your home PC should also have an anti-virus program installed. This program requires daily or weekly updates to be effective.
The latest Microsoft updates are available at: http://update.microsoft.com
A home internet router should have the administrator password changed from the default password that comes from the factory. Routers have firmware that may be updated as released by the manufacturer of the device. These firmware updates may contain security updates.
Avoid Android malware using these precautions:
Apple releases updates for their iOS operating system on a periodic basis. These updates odten contain fixes for security vulnerabilities. It is highly recommended that your iPad and iPhone are maintained with the latest iOS version.
The update screen can be found under: Settings > General > Software Update.
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.
It’s a high-tech spin on an old-fashioned scamming scheme, yet social engineering is a powerful technique that can be used to trick you into cooperating with scam artists and identity thieves. These fraudsters can use various scare tactics to trick you into providing your financial institution’s login credentials and card data or paying for unnecessary technical support services or other items.
This can be done through a phone call, where a scam artist pretends to represent a credit union, a fraud department, a software company like Microsoft, or a popular anti-virus company. They may spoof the caller ID so that it displays a legitimate phone number from a company, and then ask you to install an application and provide them with the code that gives them remote access to your computer.
Text messaging is another method that scam artists will use to fool you. These attacks can occur as SMishing (SMS text phishing) and Vishing (Voice phishing). SMishing and Vishing occurrences usually involve a member receiving a text message or phone call that is asking about suspicious transactions. However, the real information the fraudster is looking for is your card number, CV2 code, PIN number, or other information that could compromise your account.
Below are a few red flags that can help you identify if the text you received might be a SMishing attempt. Be wary if you receive a text about a suspicious transaction that contains any of these:
A fraudster may also display a fake message on a website, or a pop-up message that won't go away. Messages like this, known as “scareware”, may indicate a virus or other malware. These messages are fake, and are designed to trick you into calling a phone number staffed with fake technical support.
When you engage with these fraudsters, they will offer fake solutions and ask for payment in the form of a one-time fee, subscription service, or gift card.
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.