Protect Yourself from Debit Card Fraud

Fraud continues to be a prevalent issue worldwide. Fraudsters have stolen data from millions of debit card holders through merchants big and small. Debit cards are among the most popular payment methods for both physical and digital transactions. Furthermore, as the Covid-19 pandemic has led to a digital transformation, contactless methods like debit and credit cards, as well as e-wallets have gained further traction since 2020. From large venues and stadiums to mom-and-pop shops, we continue to see a large trend in cashless payment options forcing consumers to use their debit and credit cards. How it Happens

• Hacking. When you bank or shop online using public Wi-Fi networks, hackers can use software to capture everything you type, including your name, debit card number, and security code.
• Phishing. Be wary of messages soliciting your account information. Emails can look like they are from legitimate sources but are from scammers.
• Skimming. Identity thieves can retrieve account data from your card’s magnetic strip using a device called a skimmer. A skimmer can be attached to ATMs and store card readers. The data obtained is then used to produce counterfeit cards.
• Vishing. Fraudsters call a victim stating they are an employee from their bank or credit union and inform the victim that there is a problem with their account or debit card. A false alert may also arrive by text or email initially, asking the victim to call a number to resolve an issue.
• Spying. Criminals can place cameras near ATMs or simply look over your shoulder as you take out your card and enter your PIN.

Here at Unison, we continue to work hard to protect your information and your accounts. That being said, we need your help to win the war against fraudsters by proactively protecting yourself from becoming a victim.

• Unison Credit Union will never call you and ask for your account number, social security number, or your credit card or debit card number, BUT…if you are a victim of fraud, you will receive a call from our credit and/or debit card provider that will alert you that your card has been compromised.
  • This call will likely come from Omaha, Nebraska, show up as a 402-area code or say FISRV on your caller ID.
  • The caller will tell you that they are calling from Unison Credit Union, but they might sound like they are not from the area. This may have you thinking that this is a fraudulent call, but in fact, they are calling on behalf of Unison.
  • If you have received a call and you are concerned about its validity – hang up and call us at 920-766-6000 to speak with a Member Advisor during regular business hours.
• Monitor your accounts for unauthorized charges or debits. Report any problems or concerns right away. As a consumer, it is important to set up alerts to help monitor your transactions.