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Phishing
Phishing
Phishing employs deceiving email or pop-up messages. These emails claim to be from a business or organization you deal with - such as your Credit Union, bank, online payment service, or even a government agency. The email message usually says that you need to "update" or "validate" your account information. It often threatens to suspend or terminate your account if you don't respond immediately. The message directs you to a website that looks like the legitimate organization's site, but it isn't.

Vishing
Also known as "voice" phishing, vishing uses the phone system to lure you into entering your personal information. It's another way for scammers to steal credit card numbers and other information used in identity theft scams. Be suspicious of any messages you receive claiming to be from the Credit Union directing you to call and provide credit card information.

Smishing
Smishing is the mobile phone counterpart to Phishing. Smishing sends a text message to a user's cell phone that includes a toll-free number. When the user calls, personal information is solicited for fraudulent purposes. The text message may also be sent containing a link that will install a Trojan on your phone or mobile device.

Legitimate companies like the Credit Union do not ask for personal information such as PIN numbers or passwords via email or over the phone.
If you are concerned about your account, call the Credit Union using the telephone number you know to be genuine, such as the number on your monthly statement, or open a new Internet browser session and type the correct Web address. Never trust the link or phone number sent in unsolicited emails, as the sender may have masked the real address or provided a number that does not belong to the Credit Union.

For more information:
  1. http://www.ftc.gov/spam
  2. NCUA
  3. Microsoft - Phone Phishing
  4. www.antiphishing.org
  5. eFraud Prevention
  6. Identity Theft and Privacy
To report any email scams to the Credit Union send an email to abuse@sfefcu.org

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