Security Center

Our Security Center is designed to give you information about maintaining the security of your personal and account information.

UVA Community Credit Union will never contact you by email, cell phone, text message, or telephone asking for your personal information. In addition, UVA Community Credit Union will never ask you to provide, update or verify personal or account information (social security number, member number, PIN, credit or debit card numbers, etc.) through unsolicited email. Beware of any email that does ask you to provide personal or account information, a technique known as "phishing". If you have been a victim of a scam and think your UVA Community Credit Union account information may have been compromised, contact us immediately at 434-964-2001 or toll-free, 1-888-887-9136.

You can learn more about protecting your computer in our Identity Theft Protection section or by visiting Stay Safe Online, a website hosted by the National Cyber Security Alliance.

Identity theft is a growing concern

  • Identity theft is a crime where an impostor uses your personal information without your permission to commit fraud or other crimes. Personal information can range from social security number, driver's license number, birth date, mother's maiden name, or other identifying information.

Thieves can obtain your personal information in a variety of ways, including but not limited to:

  • removing mail from your mailbox
  • going through your trash for copies of credit card offers or bank statements (known as dumpster diving)
  • lost or stolen wallet
  • security breaches at companies that have access to your personal data
  • online phishing, smishing, or pharming techniques. Phishing is a method of identity theft carried out by tricking a person into clicking a link in an email, where they are taken to a website that looks genuine. The victim thinks they are entering personal information for a legitimate purpose, but the criminals then use the personal information for their own purposes. To prevent phishing avoid clicking on a link in an email, instead enter the site's URL directly into their address bar. Smishing is similar to phishing but uses cell phone text messages to trick the recipient into divulging account or personal information. Pharming is when criminal hackers redirect Internet traffic from one website to a different, identical-looking site, once again, in order to trick you into entering your personal information into their fake site
  • pretending to be somone else in order to obtain your information over the phone, also known as pretexting
  • installation of malware, spyware or viruses on your computer to send personal information

There are several things you can do to minimize your risk of identity theft. Limit the amount of mail with personal information by signing up for online E-statements, or consider replacing your current mailbox with one that has a locking mechanism. Always shred any credit card offers, or other paper that contains any personal information before you throw it away. Use Central Finance to regularly review balances and transactions on all of your accounts or credit cards, even non-credit union accounts. Set Central Finance  automated alerts to notify you of large transactions or account balances reaching specified limits.

Safe-guarding your computer and passwords are essential. Use best practices for online activity, such as don't choose "Remember Password" or allow a Web site to keep sensitive information for future convenience; use strong passwords with letters, numbers and symbols; be selective about where you surf and only use secure Web pages for online transactions (indicated by https or the locked padlock icon); keep your computer safe by using firewalls and keeping security patches and protection software up-to-date; and regularly scan your compute for viruses, malware and spyware.

Check your credit reports once a year, and notify the credit agency if you find a discrepancy. By law you are entitled to a free credit report once a year from each of the three major credit reporting agencies. You can get access to all three agencies through www.annualcreditreport.com.

View a copy of the Federal Trade Commission (FTC) publication: "Take Charge: Fighting Back Against Identity Theft".
The best offense is knowledge. "Identity Theft: Whose Got Your Number" is one of the free educational seminars offered by the credit union. Check our schedule.

Here are some steps to take if you have been a victim of Identity Theft.
View a copy of the Federal Trade Commission (FTC) publication: "Take Charge: Fighting Back Against Identity Theft".

Place a fraud alert on your credit reports, and review the copies sent to you. Once you contact a consumer reporting company, they are required to contact the other two.

Equifax:
1-800-525-6285
www.equifax.com
PO Box 740241
Atlanta, GA 30374-0241

Experian:
1-888-EXPERIAN
 (397-3742)
www.experian.com
PO Box 9532
Allen, TX 75013

TransUnion:
1-800-680-7289
www.transunion.com
Fraud Victim
Assistance Division
PO Box 6790
Fullerton, CA 92834-6790

Close any accounts that have been tampered with or opened fraudulently. Follow up in writing.
File a report with the local police or the police in the community where the identity theft occurred.
File a complaint with the Federal Trade Commission.
Let the credit union help you through each of these steps. Come in to see any of our branch representatives immediately or call us at 434-964-2001 or 888-887-9136.

Acting quickly is important if you have lost your account information or suspect it has been stolen.

For a lost or stolen UVA Community Credit Union check, checkbook or account information:

Call our Member Services at 434-964-2001 during business hours. Change your Online Banking password immediately.

For a UVA Community Credit Union VISA debit card:

Call 434-964-2001 during regular business hours. After hours, call 800-991-4965.

For a UVA Community Credit Union VISA credit card:

Call 866-595-6757 24-hours a day.

The Electronic Funds Transfer Act is commonly known as “Regulation E” or “Reg E”. Reg E provides protection to consumers by establishing basic rights, liabilities and responsibilities for both financial institutions and customers. Under the protections provided under Reg E, consumers can recover Internet and other electronic banking losses according to how soon they are reported. Most transactions that consumers initiate electronically are covered by these rules.

Information about electronic transfers is provided to you in your periodic statements. You should regularly review your statement and account activity and contact us immediately if you believe there has been unauthorized activity on your account. For information on Reg E and debit card transactions, please review our EFT Debit Card Agreement.

If you receive a fraudulent or suspicious email that uses the UVA Community Credit Union logo, name, or website do not reply to the email or click any links in the email message.
Forward it to us immediately at contactus@uvaccu.com.
Do not remove or retype the subject line, or change the email in any way. We will give you instructions on how to proceed after this.

Never click on a link contained in a suspicious email.
UVA Community Credit Union will NEVER ask you to provide, update or verify personal or account information (social security number, member number, PIN, Online Banking Username, credit or debit card numbers, etc.) through unsolicited email.
Business account holders should conduct periodic assessments of your internal controls and review who has access to your account information or your Online Banking login information.

Learn more about safe online practices at www.staysafeonline.org.

Verified by VISA is a free service that enhances the safety of online purchases by preventing unauthorized uses before they happen.
Once you activate your card, no one can use your VISA card number at a participating online merchant without your personal password.

Then when you submit an order online, you will be prompted for your password before completing your order. It's that easy and the added protection starts as soon as your card is activated.

Apple has released a critical security update to address a potential vulnerability and security patch for its Mac, iPhone, iPad and iPod devices.

Apple has recommended that users of these devices immediately take steps to reduce security risks by updating to the latest version of their device's operating system. The update is available for iOS7, iOS6 and OSX desktop platforms and can be found under “Software Update” in general settings.

Apple has released a critical security update to address a potential vulnerability and security patch for its Mac, iPhone, iPad and iPod devices.
Apple has recommended that users of these devices immediately take steps to reduce security risks by updating to the latest version of their device's operating system. The update is available for iOS7, iOS6 and OSX desktop platforms and can be found under “Software Update” in general settings.

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