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5 Ways to Avoid Email and Text Scams

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Phishing is a fraud method in which a scammer sends a legitimate-looking, urgent-sounding email or text message to try and gather recipients' personal and financial information. Unfortunately, these scams are prevalent and continue to grow. Here are five tips to help you avoid getting fooled by one.

1. Don't respond to unsolicited emails or text messages asking for personal or account information. Don't reply to it or click on any links within the message.

2. If you doubt an email or text's authenticity, verify it by directly contacting the organization using a phone number or email address you know to be correct.

3. Avoid bogus sites by entering web addresses directly into a browser or using a trusted bookmark you've created.

4. When you log on to online banking sites, you should be presented with some form of identity authentication. VACU uses Enhanced Authentication, providing multiple levels of security, and protecting you from revealing your username and password to scammers.

5. When prompted for a password, supply an incorrect one first. A bogus website will accept it, but a legitimate one won't.

REMEMBER: Virginia Credit Union will never ask you to provide, update or verify personal or account information through unsolicited email or text message, such as:

  • Social security number
  • Personal Identification Number (PIN)
  • Credit or debit card numbers
  • Member number
  • Online banking User ID or Password

Report suspicious emails or text messages that use the Virginia Credit Union logo or name by emailing us. 

 

 

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