South Florida Educational FCU works hard to make your financial data available to you while protecting your personal information from prying eyes. We have taken great strides to prevent potential fraud by maintaining our systems and partnering with experts who we believe will provide you a safe online experience. We will never request personal information from you in an email or from our website. If you have any questions, please call our Member Contact Center.
There are several kinds of fraud circulating in the wild. See how they work and how to protect yourself.
What is it?
Identity Theft occurs when one person's identification (which can include name, social security number, or any account number) is used by another person for unlawful activities.
On September 7, 2017, Equifax Inc. announced a cyber security incident. Based on Equifax\'s investigation, the unauthorized access occurred from mid-May through July 2017. This potentially can impact approximately 143 million U.S. consumers. The compromised information includes names, Social Security numbers, birth dates, addresses and, in some instances, driver\'s license numbers and credit card numbers.
In response to the incident, Equifax is offering free identity theft protection and credit file monitoring to all U.S. consumers, even those that are not impacted by this incident. This offering is called TrustedID Premier. It includes credit monitoring from Equifax, Experian, and TransUnion, copies of Equifax credit reports, the ability to lock and unlock Equifax credit reports, identity theft insurance, and internet scanning for Social Security numbers - all complimentary to U.S. consumers for one year.
If any unusual activity is detected on your credit card, we will contact you to verify that the activity was legitimate. These calls can be made using an automated system. If you are unavailable, a message will be left for you.
How to keep your mobile phone or tablet safe from being infected:
Always install security updates from the provider of the operating system and the apps.
When possible, enable automatic updates.
Add antivirus software where possible.
Only download apps from verified stores.
When the credit union announces a new app, verify that you download the genuine one. Do not go to the app store first and download any app that looks like it might be from SFEFCU without verifying on our website that it is genuine.
Online and Mobile Banking Safety Guide
Best practices when using online banking or mobile banking:
Watch for your personal image to appear before you enter the password. If you see a different picture, do not provide your password!
Use a strong password (up to 10 characters), that includes numbers and symbols as well.
When logged in, review the timestamp of your last access. On the computer version, it is at the bottom of the account summary screen. On the mobile version, it is underneath the security image when opening the menu on top left.
Do not share that password with any other site, use a unique one.
Try to avoid public computers. Using your small screen phone is better than the big screen hotel computer.
Phishing Avoidance Guide
What is phishing?
The fraudulent practice of sending emails claiming to be from reputable companies in order to trick individuals to reveal personal information, such as passwords and credit card numbers.
What are the consequences of falling for phishing?
Your computer will probably download some bad software. The result ranges from stealing passwords you enter, to stealing information from your computer, to locking all your files and holding them for ransom in what is known as ransomware.
How can I avoid this?
Be careful before clicking on email attachments. Popular scams are "you won the lottery" or "your flight confirmation is attached". Teasers like "your refund confirmation is attached" should make you suspicious.
Always confirm with the source of the email whether it is true or not before opening the attachment.
What is elder abuse?
Crimes such as theft, scams or identity theft that are committed against people 65 years or older fall under the elder abuse law.
How to report elder abuse?
Call Florida Abuse Hotline at 1-800-962-2873. Press 1 to report suspected abuse, neglect or exploitation of the elderly or a vulnerable adult. The TDD (Telephone Device for the Deaf) number is 1-800-453-5145.
Wires are transfers of money from one financial institution to another. These transfers are equivalent to paying in cash and not easily reversible. That attracts fraudsters to trick you into wiring money to someone based on false representation or promises, and you lose your money.
How to protect yourself?
Do not accept a check in exchange for wiring money out. Verify the recipient before sending a wire that can't be stopped or reversed. Do not let someone talk you into paying by wire transfer when you can pay with credit card.