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UTELFCU WEBSITE

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VIRTUAL BRANCH ONLINE BANKING

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LOAN APPLICATION

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CREDIT UNION

HOURS

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EZ Card VISA®

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VISA® SCORECARD REWARDS

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IMPORTANT

PHONE NUMBERS

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FAMILY MEMBERSHIP ENCOURAGED!

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UTELFCU is your exclusive home-town financial institution!

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AUTO LOANS!

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 MORTGAGES!

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HOME EQUITY

LOANS!

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PERSONAL

LOANS!

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CONSOLIDATION

LOANS!

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VISA® CREDIT CARDS WITH SCORECARD REWARDS!!!

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This Credit Union is federally insured by the National Credit Union Administration

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Equal Housing Lender

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September 2017 -- Fraud and Identity Theft Tips to help keep your personal information safe:

  • Don’t respond to emails, texts or telephone calls asking for personal or financial information.
  • Frequently review account activity and immediately report unauthorized transactions.
  • If you suspect your identity has been stolen, place an initial fraud alert with a credit bureau, which is free and will apply to all the credit bureaus.
  • Consider the benefits and drawbacks of credit freezes, which are more secure and longer-term than fraud alerts, but more restrictive.
  • Always use multi-factor authentication when available.
  • Update PINs and passwords, including email passwords, and follow best practices (i.e.: using long and complex phrases, and never re-using passwords).
  • Enrolling in Verified by Visa® during the checkout process offered by some online merchants, or Mastercard® SecureCode™ for your debit Mastercard® online purchases.  Please see our homepage for the Mastercard® SecureCode™ banner to register your debit Mastercard®.

 

August 2017 -- Video Scam Targets Consumers and Routing Numbers. 

Consumers are falling victim to a scam promoted via online videos claiming bills can be paid online using routing numbers belonging to a Federal Reserve Bank or other financial institutions including credit unions. The scam suggests electronic payments will be generated through the Automated Clearing House network using Federal Reserve Bank accounts touted as “secret accounts” or “Social Security trust accounts” in exchange for personal information like Social Security Numbers.  Using social media, such as YouTube, fraudsters promote the scam claiming consumers can pay bills online using secret accounts or Social Security trust accounts held at Federal Reserve Banks. Some online videos also refer to these accounts as Treasury Direct Accounts. Through an online payment service, consumers are instructed to use a Federal Reserve Bank’s routing number and the consumer’s Social Security Number as the account number in paying bills. These payments are being rejected and returned unpaid – often leading to service fees charged to the consumer by the merchant or vendor. In addition, these consumers become prime candidates for risks associated with identity theft.  Do not fall for this scam!!!

 

HOW TO PROTECT YOUR ACCOUNTS...AWARENESS IS THE KEY

We will NEVER tell you via phone, text, or email that your debit or credit card has been deactivated and for you to call a phone number or link to a website to re-activate it.  These scams are looking for you to enter your 16 digit card number, PIN and CVV2/CVC2 code on the back of the card.

EMAIL PHISHING is an email message that asks you to click on a link, which then takes you to a website and then asks you to enter your card information. If you receive unsolicited or unfamiliar email requests you should either delete them immediately or confirm through other means that the email is legitimate before opening it. If you receive such an email request, do not open it, do not click on its links, do not open its attachments, and do not reply or forward it.

LAND LINE TELEPHONE “VISHING” Vishing, (Voice phISHING) is the voice counterpart to phishing. Rather than being directed by e-mail to a Web site, an e-mail message asks the user to make a telephone call. The call triggers a voice response system that asks for the user's card number or other personal or financial information. The initial bait can also be a telephone call with a recording that instructs the user to phone an 800 number or another area code within or outside of the United States. Because people are used to entering card numbers over the phone, this technique can be effective.

TEXT MESSAGE “SMISHING” Smishing (SMS phISHING) is the mobile phone counterpart to phishing. Rather than being directed by e-mail to a Web site, a text message is sent to the user's cell phone or other mobile device with some ploy to click on a link. The link causes a Trojan to be installed in the cell phone or other mobile device.

The Credit Union will NEVER ask you for personal information via text message, email or unsolicited phone calls.  If you have any doubt about who is on the phone, call the Credit Union directly or the phone number on your credit or debit card.  24/7 toll-free numbers can also be found on your credit card statement.  Never open an unsolicited email or text message.  Monitor your accounts on a regular basis.  If you have not signed up for online banking, now is a perfect time.  Immediately report any suspicious activity  or phishing attempts to us as soon as possible so we can alert the proper authorities.