Online Security Center

Protect Yourself from Identity Theft and Fraud

Our Online Security Center brings you safety tips, security notices and the most current scam alerts to help protect you and your security online. Please note that All In Credit Union will not ask for your personal information through text message or unsecure email.

To protect your account, never give your account number, card PIN, online/mobile login information, or any other personal financial information to an unknown caller or suspicious email or text message.

Criminals will try to trick you into providing personal information over email or text, and instead, the links go to the criminal’s fraudulent sites.

Some scammers will send an email saying your online banking, debit, or credit card has been compromised or locked, and you need to enter personal information to reactivate your card.  All In will never ask you to give us your personal information for this purpose.

If you feel you have compromised your account in any way due to fraud, please contact us at 334.598.4411 or immediately.

Common Scams:

    Phishing or Smishing Scams

    Phishing is when a fraudster sends you an email requesting personal information, or it may contain a link that will release malware onto your computer or mobile device. Smishing is when you receive a text message (short message service - SMS) requesting personal information or providing a link for you to click on that will release malware onto your device.

    The email or message is designed to get your attention and create a sense of urgency for you to respond back to the message. For example, you receive what appears to be a text message from All In that your debit card has been compromised. You might be wise to this being a scam, so you delete the email. But then you receive an email from Amazon stating that there are fraudulent charges to your Amazon account. So now you are very concerned, and you call the number provided in the Amazon email. You give your personal information to the “Amazon representative” (fraudster) and now you have numerous fraudulent charges on your credit card for which you must spend time filling disputes. Retailers do not review your accounts for fraud so if you receive an email or text message from a retailer like Amazon or eBay stating that there are fraudulent charges, it is a scam.

    Telephone (Telemarketing) Scams

    The most common way that fraudsters contact the elderly is by using the telephone. But it is not only the elderly who are contacted via telephone, all ages fall victim to these fraudsters. Have you been offered a loan by someone over the phone? These fake lenders prey on those who need money (particularly around the holidays), and those who might have a hard time obtaining a loan due to limited credit history or difficult financial histories.

    Other telemarketing scams might involve a free “gift, vacation, or prize.” But you will need to pay fees to claim the prize. For other scams, the fraudster will state that it is “high-profit, no risk,” so you must act fast. It is common for the fraudster to request that you send money with a credit card, purchase gift cards, or give your bank account number and/or online/mobile username and password. They claim they will transfer the funds to you or deposit a check to your account. The check will be a fraudulent check. NO ONE EVER NEEDS YOUR CREDIT UNION ONLINE/MOBILE ACCOUNT USERNAME AND PASSWORD. DO NOT GIVE OUT THIS INFORMATION.

    You might receive a call from someone claiming to be with Amazon, Norton, or another well-known business. The fraudster will ask for your IP address to gain access to your computer. These businesses do not normally contact you to ask for your IP address. This is a scam! Do not provide information over the phone to allow a fraudster to gain access to your computer.

    Tip to avoid telephone fraud: If you do not recognize the phone number, do not answer the phone call. If it is important, the person will leave a message and you can do some research and decide if you should call the person back. 

    Real Estate Loan Closing Scams

    The fraudster, posing as a title company agent or real estate attorney, will send you an email with instructions for wiring money for the purchase of a home, vacation property, or other real estate transaction. Before sending any wires, always call your title company or real estate attorney, at the phone number you have for them, to make sure that they sent the email to you with the wire instructions.

    Tech Support Scams

    Someone (fraudster) will call you and say he/she is a computer technician. The fraudster might state that he/she is from a known company like Apple or Microsoft, or maybe your cable company that provides your internet service. The story will be that there are viruses or other malware on your computer, and you must provide remote access to your computer or buy new software to correct the issue. These scammers will try to sell you bogus services, steal your debit or credit card number, or get access to your computer to install malware, which could then let them see everything on your computer, including your online banking username and password.

    Advanced Fee Scams

    Someone (fraudster) will contact you to inform you that you have won a sweepstakes or contest or that you have an inheritance from a deceased relative. But before you can claim the award or inheritance, you must pay fees or taxes on it. You will be asked to wire funds to the fraudster, and you will never receive the award or inheritance.

    Secret Shopper Scams

    You may see advertisements on the internet, social media sites, or signs in public places that offer to pay you for being a secret shopper. If you accept the job, you will receive a counterfeit check in the mail (usually between $2,000 and $5,000). You will be instructed to purchase gift cards or money orders and send them to the fraudsters. The fraudster will keep a percentage, and the counterfeit check sent to you will be returned as unpaid and will be charged back to your account.

    Romance Scams

    Fraudsters set up online dating profiles or accounts on social media platforms hoping that you will chat or have email conversations with them. They steal real photos from real accounts to lure you into online “relationships” where they gain your trust by saying all the right things. Common stories are that they are working overseas and need money for plane tickets to get back home, or they are starting a business and need money to get it going, or maybe they are working in a foreign country and need money to build a church.

    Elderly Scams

    Grandparents are often the target of fraudsters who pretend to be a grandchild or other relative. Sometimes the fraudster will pretend to be the attorney for the grandchild or relative. The story is that the grandchild has been arrested and needs bail money or is traveling and needs money to get back home. The fraudster will usually request that the money be wired or sent by Western Union. The fraudster preys on the grandparent’s caring nature and willingness to help their loved ones. If you receive one of these phone calls, call your relative at the phone number you have for them and ask them if they are okay. This will quickly resolve the issue and you will know whether someone is trying to scam you.

    Social Security, Government, and IRS Scams

    Fraudsters will impersonate Social Security Administration (SSA) or Internal Revenue Service (IRS) employees and request personal information. These fraudsters might state that you owe money to the IRS or that you will be arrested or face legal action if you do not send payment immediately. Often, fraudsters will “spoof” phone numbers to make it look like an official call. For example, you might see “Social Security Administration” or “Internal Revenue Service” on your caller ID. Do not call any phone numbers provided in voice mail messages. Find the number to the SSA or IRS so that you know you are calling a legitimate number and not a fraudster. Do not give out any personal information over the phone or send it in an email or text message.

    If you feel you have compromised your account in any way due to fraud, please contact us at 334.598.4411 or immediately.