the SUMMIT FEDERAL CREDIT UNION

Fraud and Identity Theft Prevention

Fraud Prevention at your fingertips 


Purchase Alerts

Purchase Alerts is a free service that helps you monitor your Summit Visa® debit and credit card transactions through real-time email and text message notifications. Not only are these alerts a great tool to help you track your spending, but they also give you peace of mind knowing that your cards are being monitored for unauthorized transactions.


Having these alerts offers the ability to:

  • Immediately identify potential fraudulent activity by sending transaction alerts in real-time. 
  • Take an active role in managing your transactions, tracking your spending, and staying on top of your account balances.
  • Notify you when and where your card was used, as well as the dollar amount of the transaction.
     

You can sign up to receive the following alerts: 

  • Authorizations for a purchase amount that you set 
  • All phone or online purchases
  • All transactions outside of the United States

To enroll in Purchase Alerts, visit the Purchase Alerts Website or access the link within Online Banking. On the navigation bar under “Credit Cards”, click the “Visa Credit/Debit Card Alerts” link and it will take you to Visa Purchase Alerts. 

If you have any questions about setting up Purchase Alerts, please contact our Member Service Center at (585) 453-7030 or (800) 836-7328 extension 7030.   

The Summit does not charge a fee for this service. If Purchase Alerts are sent to you via text message, standard text messaging rates may apply. Check your plan or contact your wireless provider if you aren’t sure whether additional fees might apply. Authorizations will be sent to you as they are received, which can be any time during the day or night, and may be dependent on your service availability. The Summit is not responsible for an alert not being sent or received. You may also cancel whenever you choose. You must be joint/co-borrower to link a card.
 

smsGuardian Alerts

Register for smsGuardian to receive text messages about activity on your Summit ATM and debit cards.  You will be notified for purchases over $500, as well as out of state or international purchases. The message will include the last four digits of your card number, name of the merchant and the purchase amount. If the notification is for a purchase that you did not authorize simply reply immediately to have your card blocked.  If the purchase is legitimate, you don’t need to do anything!

Feeling safer already? Visit our enrollment website to register your Summit debit card today!
 
What you need to know:
  • Your enrollment will be good for one year (You will receive a reminder text to renew your registration)
  • Two-way text communication (Please check with your mobile phone carrier if you aren’t sure what fees apply when you send and receive text messages)
  • Can enroll up to ten devices per web account
  •  All major phone carriers supported

Fraudulent activity is on the rise

As we move forward in this digital marketplace it’s important to be cognizant of fraudulent activity and know how to safeguard yourself against it. At The Summit, we monitor the presence of this kind of activity on daily – and even hourly – basis. Most institutions are keeping in tune with the times by rolling out antifraud measures that temporarily freeze your account if uncharacteristic or suspicious activity is spotted. As our culture continues to evolve, it’s important we shift with changing technology.
 
If you’re planning to travel out of the area on vacation or have experienced an issue using your VISA Debit Card for purchases, please give our Member Service Center a call at (585) 453-7030 or (800) 836-7328 extension 7030 so we can ensure that your transactions are processed seamlessly.

 

Identity theft is one of the most prevalent crimes in America today. Here are 8 quick tips on how to protect yourself against scams:

  1. Never give any personal information to anyone, unless it is someone you have contacted directly.  Personal information should never be provided to an unsolicited email, text or phone call. At The Summit, we will never call you and ask for personal information. If you get a call from someone that says they are from The Summit and they are asking for personal account information, hang up and give us a call.
  2. Don’t respond to a text message or phone call from a number you don’t recognize.
  3. Always check your account and credit card statements for any unusual activity. If there is any unexplained transaction activity, report it to us as soon as possible.
  4. Keep your debit and credit cards in a safe place. We recommend carrying the minimum number of debit and credit cards as possible.  Cards that are not carried with you should be kept in a secured location.
  5. Never give anyone your Personal Identification Number (PIN) number.
  6. When you’re online, make sure that you’re on a secure website before making a payment. Always verify the website address is correct in the address bar. We also recommend not accessing your bank account when on public WIFI.
  7. Never click on any links or open any attached files in a spam email, even if it looks like it is from someone on your contact list.
  8. When using social networking sites, be sure to use the strict privacy policy settings.
     

You'll find more advice and below to help protect you from this growing problem.

How fraudsters obtain personal information:

  • Dumpster Diving: Going through trash to find bills and papers with personal information on it.
  • Phishing: Posing as financial institutions or companies like eBay or PayPal and sending spam or pop-up messages to get consumers to reveal personal information. Phishing can also be in the form of text messages asking for your personal information, or asking you to call a fake phone number or visit a fake website.
  • Skimming: Stealing Credit/Debit Card numbers by using a special storage device when processing your card.
  • Property Theft: Stealing wallets and purses; mail, including credit union, bank and credit card statements; pre-approved credit offers; and new checks or tax information.
  • Spyware: Tricking victims into downloading illicit software when they open an attachment by recording keystrokes to get credit card numbers and passwords.

How to prevent ID Theft:

  • Keep your PIN and passwords secret. Never let someone else enter your PIN for you.
  • Shred documents with personal information before you discard them.
  • Be suspicious of emails, texts, mail or phone calls that ask for your personal information, especially your financial information. If you suspect something might not be authentic, contact the company directly. Remember, The Summit will never send emails or texts asking you to submit your personal and/or financial information.
  • Never click on links sent in unsolicited emails - fraudsters are very clever and can disguise links and even create websites that may look identical to websites you know. Type in the web addresses you know in a new browser.
  • Always ensure you're using a secure website when submitting sensitive information over the internet. To make sure you're on a secure site, check the beginning of the web address - it should be "https://" rather than "http://" and it should have a lock in the bottom corner.
  • Maintain up-to-date anti-virus, anti-spyware, and firewalls on your computer.
  • Regularly check your accounts and billing statements. Be suspicious of bills that don't arrive as usual, unexpected bills or account statements, and calls or letters about purchases you did not make. Report any errors as soon as possible.
  • Check your credit report annually. The consumer reporting companies are required to give you a free credit report each year if you request it.
  • Never have your social security number printed on your checks.
  • When you write checks to pay on your credit card accounts, do not put the whole account number in the memo line - only memo the last four digits.

What to do if it happens to you:

  • File a police report.
  • If your Summit checkbook, VISA® Check/ Debit Card or VISA® Credit Card is stolen, report it to us as soon as possible. Contact The Summit's Member Service Center at (585) 453-7030 or (800) 836-SFCU extension 7030 during business hours, or (800) 682-6075 after 5pm.
  • Cancel lost cards immediately. Close accounts that have been tampered with. As a precaution, make photocopies of both sides of the contents of your wallet and keep the copies in a safe place. If anything should happen, you will have copies of your cards, complete with account numbers and contact information.
  • Contact the credit reporting agencies and ask them to place a fraud alert on your reports. With an alert in place, any company checking your credit will know your information was stolen and they must contact you by phone to authorize new credit. Visit the credit report page of our website for contact information.
  • Report fraud to the Social Security Administration (1.800.269.0271) and the Federal Trade Commission (1.877.IDTHEFT).
  • If the crime involves mail, you can report mail fraud to the U.S. Postal Inspection Service at 1.877.876.2455.

For additional information on ID Theft, visit the following websites:

 

NCUA

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government Agency

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You must be a member of The Summit FCU to take advantage of its products and services
Serving Central & Western New York
2012 by The Summit Federal Credit Union. All rights reserved

Summit Online Access Enrollment

Enrolling in Online Access is easy - here's how:

If you don't have an Online Access PIN or need assistance, please call (585) 453-7030 or (800) 836-7328.

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