Protecting Your Accounts is Our Top Priority
Purdue Federal has been made aware of potential fraudulent phone calls to our members seeking personal information. Please be advised Purdue Federal will not contact you by phone, text or email to request your personal or financial information.
At Purdue Federal, we're proud of the measures we take to help protect your accounts. But we all need to be responsible and aware of actions that will minimize risk and keep our accounts safe.
For concerns or questions regarding fraud, contact us at 765.497.3328 or 800.627.3328 and ask to speak with our risk management department.
Monitor your debit and credit cards with Fraud Text Alerts.
Report Fraud Immediately
If you think you've been a victim of fraud or a scam, immediately report it to Purdue Federal Credit Union by calling 765.497.3328 or 800.627.3328.
The following websites may also be helpful.
Debit and Credit Card Fraud + Lost/Stolen Cards
Purdue Federal has recently partnered with The Members Group (TMG), a card processing company, to provide automated fraud detection and alerts for debit and credit cards. As a result you'll receive notifications quicker by an automated phone call. These phone calls will come from 866.518.0213.
Click to view: Card Compromise FAQs
Log into your online banking account and select ‘Enroll in Fraud Text Alerts' from the Quick Links menu at the right of the account summary landing page.
REMEMBER: If Purdue Federal or TMG initiates the call, we will never ask you for personal financial information or your entire credit card account number.
How to dispute an unauthorized card transaction:
If you do not recognize a transaction on your account statement OR your card is lost or stolen, please report it immediately by calling 765.497.3328 or 800.627.3328.
NEW! You can now report a lost or stolen card in Online Banking. Just log into your account and select 'Lost and Stolen Cards' from the 'Quick Links' menu on the right.
Visa requires specific paperwork for disputing unauthorized charges whether it is suspected fraud or simply an error by the retailer. We can help you with the necessary paperwork and in some cases provide provisional credit until your dispute is handled. Within 90 days we will either correct the error or explain why we believe the transaction was correct.*
* You must notify us no later than 60 days after you receive the first statement from the account from which the unauthorized transactions appeared.
Helpful Tips to Protect Your Cards
- Sign new credit cards with permanent ink as soon as you receive them. If your card has a PIN, memorize it. Skip easily recognizable PINs such as the last four digits of your Social Security number or phone number.
- Providing your personal and financial information to anyone can lead to ID theft and phishing attacks. Know whom you're dealing with.
- Beware of phone scams. Never give your PIN or any other personal financial information to an unknown caller.
- Track financial statements. Find out when financial statements and plastic cards are due to arrive. If they're late, contact your credit union or appropriate issuer.
- Protect yourself online. New technology allows online vendors to assure customers reasonable security from online theft. If you doubt the security of the vendor, order the items over the telephone
The vast majority of ATM transactions are conducted safely and securely—in a few minutes, you can carry out your business and be on your way. But ATM fraud can and does happen. You can help prevent it by being aware of a scheme called ATM skimming.
ATM Card skimming is an ongoing problem. ATM skimming occurs when a device, or ‘skimmer, is attached to an ATM or point of sale terminals with the goal of stealing card information. The stolen information is used to create counterfeit credit or debit cards in order to make fraudulent purchases and withdrawals from your account.
ATM skimmers have two components. The first is an electronic device that fits over the card slot. When a card is swiped or pushed into the slot, the data on the card’s magnetic strip is copied. The second component is typically a hidden camera used to capture your PIN.
How to Protect Yourself from ATM Skimmers
Use familiar ATMs: ATMs located in dimly-lit areas or are frequently used late at night could be more susceptible to skimmers. Try to use an ATM at an inside location under video surveillance.
- Examine the ATM: Take a quick look at the ATM before you use it to see if anything looks out of place. Check to see if anything looks loose or damaged. You should also check for scratching around the card slot, adhesive, tape or glue residue.
- Check the card reader and keypad: If anything seems out of place or poorly attached to the ATM, gently tug on it. If it moves or comes away from the ATM, it may be a skimming device.
- Look for hidden cameras: Look for small holes above the ATM screen or keypad that may contain a pinhole camera to capture your PIN.
- Protect your PIN: Shield your PIN with your hand when you type it onto the keypad. In the event you do encounter an ATM skimmer, this is the easiest way to protect yourself.
- Monitor your accounts: Make checking your accounts online part of your routine. If you notice any suspicious transactions, notify us as quickly as possible.
When fraudsters attempt to gain a person’s confidential information through a phone call, it is called vishing. One vishing scam on the rise is PIN-based debit card fraud. In this situation, fraudsters spoof a financial institution’s phone number and pretend to be an employee calling to investigate potential fraud on the person’s debit card. The fraudsters ask the person to provide the CVV2/CVC2 (security) code and expiration date on the person’s debit card. Then the fraudster is able to call the financial institution’s automated phone system and change the debit card PIN so transactions can be made.
Protect yourself from vishing attempts by never giving out your personal information or card details over the phone.
There are many scams going on to try to take advantage of unsuspecting people. These scams may be generated via telephone, email, text messages or even computer pop-ups.
In nearly every case it's important to remember: DO NOT SHARE YOUR PERSONAL INFORMATION with anyone unless you are completely sure of their identity.
NEVER allow a buyer, renter, job offer or anyone else pressure you into taking immediate action. Always know who you are conducting business with and never agree to schemes involving overpayment.
Purdue Federal Credit Union will not email, generate an online pop up, text you or call you to request your personal or financial information.
Links to the Latest Scams
Help Protect Yourself on Mobile Devices
It is important to protect your smartphone just like you protect your computer as mobile cybersecurity threats are growing.
These mobile security tips can help you reduce the risk of exposure to mobile security threats:
- Avoid sharing your phone or tablet with others, especially strangers.
- Be sure no one is looking over your shoulder in crowded public areas and reading information from your device’s screen.
- Sign out of your session when you’re finished, whether you’re using the Purdue Fed mobile app or the Purdue Federal Credit Union website.
- Don’t store your password in other apps on your mobile device, such as in a note-taking app.
- Avoid tampering with your phone’s operating system. This is called “jailbreaking” on an iPhone® and “rooting” on an Android™ phone.
- Always use official app stores to download any app.
- Keep your phone operating system as well as the Purdue Fed Mobile app up to date.
Help Protect Yourself Online
Viruses and spyware can take over your system, slow it down and put your data, privacy, and internet accounts at risk. Simply read these tips to learn how you can help protect your personal and financial information from online threats.
- Update your security software and run a complete system scan on all your computers.
- Download the latest version of your web browser to help safely surf the web.
- Update your operating system to ensure you have the latest security updates.
- Back up your data regularly using a removable storage device or cloud.
- Make wireless network security a priority at home and on the road.
- Don’t click on any ads, pop-up windows or banners that look suspicious.
Security Best Practices
In addition to the security protection Purdue Federal Credit Union has enabled on your behalf, there are several best practices that you and your family members can put into place while banking online and surfing the web in general.
- Keep your password a secret – don't share your password or write it down. Plus, don't use obvious passwords like birthdates, first names, addresses, etc. that other people may know.
- Update your password on a regular basis and use a combination of letters, numbers and symbols for your password.
- Avoid using public computers to log in to your account and only use computers that you trust.
- Never choose the "Remember your password" option.
- Log out of your account instead of clicking the blue "LOGOUT" at the top of your browser screen. Logging out ensures that your Purdue Federal Online Banking session has ended.
- Log off of the internet and lock your computer when it is not in use.
- Avoid suspicious and non-trustworthy sites. Such sites may house malicious software that has the potential to infect your computer.
- Never click on links in suspicious emails or send personal information over non-secure email. Never reply to or click links that ask you for personal information.
Below, you'll find helpful resources to keep you and your family aware of many safeguards that are available to help navigate the internet as safely as possible.
- Visit the Internet Education Foundation's website www.GetNetWise.org for additional information such as how to protect your PC from spyware, and much more.
- The Federal Trade Commission and the Department of Homeland Security have partnered to provide another helpful website www.OnGuardOnline.gov with these and even more educational resources, including tips on safe online shopping, and how to prevent identity theft.
- The National Cyber Security Alliance created www.StaySafeOnline.org to empower a safer digital world. The site provides helpful tips and insight into a needed culture of cybersecurity and privacy.