past scams
Heartbleed Update – 4/2014

An online security vulnerability dubbed "Heartbleed" has been recently identified. It has the potential to put personal information at risk for sites that use SSL encryption technology.

South Florida Educational Federal Credit Union’s website and online services have not been affected and are safe. Please continue to bank with confidence!

Attention Visitor – 4/2014

Members have reported receiving a fraudulent popup about a “Data Security Breach” when accessing the credit union website. Although the popup appears to be linked with - it is not! These messages are NOT originating from South Florida Educational Federal Credit Union (FCU). It is an attempt to illegally obtain your credit card number.

This is a scam – (otherwise called a phishing attempt) - do not click the link to access your Credit Report. It requires a credit card for identity validation and it will compromise your account.

If you see such a pop-up, do not click any links and do not give anyone your credit card information.

Remember South Florida Educational FCU will never ask you for information we already have on file.

Sample Fraudulent Popup:

Attention Visitor,

Data Security Breach Information

We want to make you aware of a situation that has occurred that could be related to your personal information. Recently, there was a massive system breach at Epsilon, a third party vendor that supplies marketing services to a number of companies, including Best Buy, Chase, Citi, Disney, US Bank, Marriott, Home Shopping Network and many others. Files containing personal information were compromised.

Names, email address and some personal information was exposed. Because of the increased risk of identity theft, we are urging you to check your credit report for any activity that you did not authorize.

We want to help protect you against this data breach, by offering you access to your credit score for free. This offer is available on Thursday, April 10, 2014. Please be aware that although your credit score is free, a credit card will be required to validate your identity.

Click Here to access your Credit Report

Scam Claims President Obama Will Pay Your
Utility Bills
- 07/2012

The Better Business Bureau (BBB) has issued a nationwide warning about a new scam claiming that President Obama will pay your utility bills through a new federal program.

How the scam works: Consumers have been contacted through telephone calls, fliers, social media and text messages with claims that President Obama is providing credits or applying payments to utility bills.

To receive the money, scammers claim they need the consumer's social security and bank routing numbers.

In return, customers are given a fraudulent bank routing number to pay their utility bills through the automated telephone payment service. The payment service initially 'accepts' the payment but then declines it within a few days when the bank account number is discovered to be fake.

The BBB has these tips to avoid becoming a victim of this scam:
  • Never provide your social security number, credit card number or banking information to anyone who calls you, regardless of whom they claim to be representing.
  • If you receive a call claiming to be your utility company and feel pressured for immediate payment or personal information, hang up the phone and call the customer service number on your utility bill.
  • Never allow anyone into your home to check electrical wiring, natural gas pipes or appliances unless you have scheduled an appointment or have reported a utility problem. Also, ask utility employees for proper identification.
  • Always think safety first. Do not give in to high pressure tactics over the phone for information or in person to get into your home.
For more information about identity theft scams, please visit BBB.

Debit Card Scam - May 2010
There has recently been an increase in smishing (text message phishing) and vishing (phone phishing) using automated messages to retrieve credit union member's and nonmember's debit card numbers and account information.

The automated message indicates the individual's card has been de-activated and to re-activate the card, the individual must enter their 16-digit card number, their three digit security code (located on the back of the card), the card expiration date, and/or Personal Identification Number (PIN).

Online Banking Fraud - January 2010
After logging into Online Banking, a few of our members have been redirected to another webpage. Please do not enter any personal information on this page. Below is an image of this fraudulent page:

Card Number Scam
Click image for a larger view.

Q: What causes this to happen?
A virus known as Zeusbot.

Q: How do I recognize this as fraud?
It will contain a text box for your ATM Personal Identification Number (PIN). South Florida Educational FCU will never ask you for the Security Code, the expiration date or the PIN on your card(s).

Q: What should I do if I get this screen?
Contact the Credit Union immediately to make sure your account has not been compromised! Also, please contact a computer professional in order to remove the the malicious program from your pc.

Q: How do I recognize the fraudulent information on the screen?
  • Look for text stating, "We do not recognize the computer you are using. To continue with Online Banking, please provide the information requested below."

  • Look for prompts that request personal information, such as:
    • Card Number
    • Card Security Code (from the signature line on the back of the card)
    • Expiration date
    • ATM Personal Identification Number (PIN)
More Information:
  • This particular scam is the result of a virus downloaded to your computer.

  • Not all Antivirus programs recognize this malware yet.

  • All personal information entered is sent to the attackers and may be used to steal your identity.

Text Message Scam (SMiShing)
Some of our members have received text messages directing them to call a toll free number and input their card number, expiration date and PIN. When the member calls the number, the computer generated voice welcomes the caller and claims to be from Dade County Federal Credit Union. This is a SCAM!

South Florida Educational Federal Credit Union does not send out text messages and will not ask for personal information such as your PIN or Social Security Number. If you have been a victim of this scam, please contact us. If you would like to file a complaint, you may contact the Federal Trade Commission at 1-877-438-4338 or visit their website at

Please be wary of the following email scam. If you call the numbers listed in the email shown below, you will be asked to provide your credit card number and PIN, which may be used to commit fraud on that account. Please DO NOT CALL any of the numbers below. Below is a sample message that is being sent by malicious persons in an attempt to commit fraud.

Dear Customer,

First Florida Credit Union temporarily suspended your account.

Reason: Fraud attempts
To reactivate your account call the total free number: 877-239-3419

  • Don't click on links within emails that ask for your personal information.
  • Never enter your personal information in a pop-up screen.
  • Protect your computer with spam filters, anti-virus and anti-spyware software, and a firewall, and keep them up to date.
  • Only open email attachments if you're expecting them and know what they contain.
  • If someone contacts you and says you've been a victim of fraud, verify the person's identity before you provide any personal information.
  • Be suspicious if someone contacts you unexpectedly and asks for your personal information.

Local: 877-239-3419
Toll Free: 1-877-239-3419

Teachers Beware!
are targeting "Teacher of the Year" nominees. The teacher is informed via email that they have been nominated by a former student. Then, the email proceeds to ask for personal information and claims they will send an ATM card with a $10,000 per day maximum withdrawal on a $700,000 reward.

The catch is that they require the recipient provide an alternate account such as a revolving home equity line of credit to deposit the reward into. Once they have all of your personal and account information, they will use it to steal your money and identity.

You should never respond to an email that solicits personal information such as your social security number, date of birth, etc. Instead, call or visit the place of business if you think there may be a problem, but do not use any phone numbers that may be contained within the suspicious email as they may be compromised. In the case of SFEFCU, we recommend using the number on your monthly statement to contact us.

If you believe you've received a fraudulent email, you may forward it to so that they may research it further.

To report any email scams to the Credit Union send an email to

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