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Alerts, Info and Scam Warnings

Heartbleed Bug Has Not Affected Branch@Home

April 10, 2014
Fort Knox Federal Credit Union has completed a thorough review of its online security in response to the recent discovery of an internet security vulnerability known as Heartbleed.  Current analysis and findings indicate that Fort Knox Federal’s online banking website is not affected by this security problem.  We will continue to monitor the situation both internally and with our supporting vendors to assure the protection of members’ personal information.

Card Cracking Scam Targets Young Members

March 14, 2014
Cash-strapped college students are being recruited to participate in a
scam referred to as “card cracking.”  Using ATM/debit cards and PINs willingly provided by the students, fraudsters deposit fraudulent checks to the students’ accounts and withdraw the funds before the checks return unpaid.
Subsequently, the students are left with the responsibility of an overdrawn balance and no cash in their accounts. Students should be extremely cautious and remember that ATM/debit cards and PINs should NEVER be shared.

Michaels Stores Security Breach

January 25, 2014
Michaels Stores reported a suspected card and data breach on January 25.  While the company investigates this potential breach involving customer's credit card information, Fort Knox Federal’s fraud monitoring service is on heightened alert and we are actively evaluating any fraud trends that may be attributed to possible breaches. If you have shopped at Michaels Stores with a debit or credit card, we strongly recommend that you:

1) Review your account to make sure you do not have any unauthorized charges.
  You will not be held liable for any fraudulent charges.
Call us if you find charges on your account that you did not make.
  You can check your account activity via Branch@Home.
  Sign up for account alerts.
In Branch@Home , click on “Financial Planning” then on
Personal Account Manager”.  Now click on the “Alerts” tab.
2) Be alert to fake phone calls, emails and letters asking for your personal information and telling you to click on links. Don't do it, even if it looks official. If you are called by someone who claims to be Fort Knox Federal Credit Union or another financial institution and says you’ve been affected by the breach, hang up. Then call the financial institution to resolve the issue. (Fort Knox Federal: 800-285-5669).
 
Rest assured, we are also monitoring members’ account activity with regards to these recent compromises.  If you have questions please contact us.

Phishing Calls

January 21, 2014
We have received multiple inquiries from members who have received calls notifying them that their card has been de-activated and requesting them to enter information to reactivate.  Some of the calls indicate the caller is from Wilson Muir Bank, others claim to be calling from the National Credit Union Administration. These calls are not legitimate, please NEVER enter any of your information if you receive a call similar to this.

If you have any questions concerning these calls, please contact your local branch.

Target Security Breach

January 15, 2014
With the recent card and data breach at Target and Neiman Marcus stores, Fort Knox Federal’s fraud monitoring service is on heightened alert and we are actively evaluating any fraud trends that may be attributed to those breaches. If you have shopped at Target or Neiman Marcus with a debit or credit card, we recommend that you:

1) Review your account to make sure you do not have any unauthorized charges.
  You will not be held liable for any fraudulent charges.
Call us if you find charges on your account that you did not make.
  You can check your account activity via Branch@Home.
  Sign up for account alerts.
In Branch@Home , click on “Financial Planning” then on
Personal Account Manager”.  Now click on the “Alerts” tab.
2) Be alert to fake phone calls, emails and letters asking for your personal information and telling you to click on links. Don't do it, even if it looks official. If you are called by someone who claims to be Fort Knox Federal Credit Union or another financial institution and says you’ve been affected by the breach, hang up. Then call the financial institution to resolve the issue. (Fort Knox Federal: 800-285-5669).
 
Rest assured, we are also monitoring members’ account activity with regards to these recent compromises.  If you have questions please contact us.

Important Phone Call Process Change

January 13, 2014
We're improving our phone process to provide additional security and quicker access to your account information!

Beginning in February, when calling the Credit Union, you will be required to enter your account number, along with your PhoneFacts security code to obtain account information. In preparation for this change, if you do not remember your security code or have not set this up, please visit your local branch or dial (800) 285-5669 extension 5500 for our PhoneFacts Setup Hotline.

Once set up, you will gain immediate access to PhoneFacts, where you can:

    • Check Account Balances
    • Make A Payment
    • Transfer Funds
    • Review Recent Transactions
      ...and much more!

We want to help simplify your life with quicker and easier account access!

Beware of Fraudulent Check Scams

September 17, 2013
Beware of Fraudulent Check Scams:

Scammers are sending emails with fraudulent employment, advertising or service offers.
Some of these scams may also appear on popular websites such as Craigslist.
Once potential victims accept the scammers’ invitation, they receive a counterfeit check.
Some of these counterfeit teller checks bear the name of Fort Knox Federal Credit Union. The amounts on the checks that have been reported are:  $4850, $1900, $2990 and $2490.
Fort Knox Federal is not involved in this scam in any way.
Our logos on these counterfeit checks are being used illegally.
You should be suspicious of any payment promise based on accepting a check and returning a portion of the funds to the sender.
If you have any questions about a Fort Knox Federal check, please contact Fort Knox Federal directly at 800/285-5669

Protect Your Identity

June 6, 2013
Please know that Fort Knox Federal has taken every available measure to provide secure online banking experiences.  Nonetheless, criminals are working 24x7 to steal online accounts.  Several methods are being employed to steal online user credentials.  The most prevalent involves malware that infects a computer.   This malware is typically distributed via email links, social networking sites and malicious websites.  Once credentials are stolen, unauthorized transactions begin.  To reduce your risk, please take the following precautions:  

Install, update and maintain good quality anti-virus and anti-spyware software.
Keep your security questions safe.
Maintain strong passwords and change them from time to time.
Carefully review your statements for any unauthorized activity.

Beware: Phone Scam Alert

May 8, 2013
Members are receiving automated phone calls stating their check cards have been deactivated. They are being instructed to press one and enter their card number.
Don’t respond…This is a scam!


Helpful information about fraud and how to avoid 2014 Future Pay Dates
8 Tips for Using Check Cards
1 Keep receipts and note debits in checking register.
2 Check account balance frequently either online or through the bank to avoid overdraft.
3 Beware of bank overdraft policies and fees. Customers can decline the bank's "convenience" coverage for overdraft, which could cost high fees if they overdraw the accounts. Instead, sign up for overdraft protection that is covered by a savings account.
4 Most check cards now have "zero liability" protection that exceeds what the federal law call for, so security is a lesser issue. Still, consumers should check with their banks to see how debit transactions are processed. Only those going through the Discover, MasterCard, or Visa networks may be covered by zero liability.
5 PIN transactions are more secure than signature transactions, although most don't qualify for reward points.
6 If consumers pay off their credit card balances each month, they're better off using a credit card with rewards for purchases than a debit card or check card.
7 Find out what the bank's daily limit for usage is for your checking account.
8 If a cardholder's balance is low, it's best not to use debit for purchases such as gas, where a hold of at least $50 will be placed on the card.
Helpful Information About Your Credit Report
How to save money, invest it, and manage it to meet your personal goals    
Protect yourself from identity theft.
To report ID Theft, call 1-877-IDTHEFT
(1-877-438-4338)
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