What is Identity Theft?
- Someone willfully steals your personal information, such as checking and savings account numbers, credit card account numbers, driver’s license number or your social security number.
- Your data is used to assume your identity or to access your accounts.
- Your checking and savings accounts can be drained; your credit cards used to their maximum limits; loans taken out in your name—all without your knowledge.
TIPS from STOP.THINK.CONNECT.™
Real-Time Alerts for Your Convenience
Launch FCU now offers real time fraud alerts. With fraud text alerts, you can help prevent fraudulent transactions from occurring on your DEBIT and CREDIT cards. Launch FCU does not charge you for this service; however you may incur messaging charges from your wireless carrier.
Launch FCU will never ask for your personal information by phone, text or email.
Please be aware of a recent texting scam that says your debit card is being deactivated, and to call a phone number to provide personal information. If you receive such a text, do not call the phone number. If you provided the information to the phone number listed, please visit any branch to be reissued a new debit card, or call our Contact Center at 321-455-9400 or 1-800-662-5257 to have a new card ordered.
Members should also be aware of an online malware (virus) threat named the Citadel banking Trojan. This is a browser malware that launches fake pop-ups during online banking transactions in an attempt to trick the user into re-entering log-on credentials. Do not click on the pop-up and enter any personal information.
This virus originates from the internet browser, not from Launch FCU Online Banking.
The Launch FCU Online Banking is safe and secure, and your accounts are not compromised by this popup. However, it, and other scams, viruses, and malware, are attempts by outside individuals to obtain personal information. Launch FCU urges you to exercise caution and not respond to any unfamiliar pop-ups when accessing Online Banking.
As a reminder:
- Never click suspicious links.
- Avoid using out-of-date software versions.
- Run full system scans at least once a week.
To learn more about online threats visit https://www.fbi.gov/investigate/cyber.
- Recent alerts from the Federal Trade Commission (FTC)
- Common caregiver scams
- Common scams and fraud information from USA.gov
- Information regarding the NCUA’s Tax Identity Theft Awareness Week
- Video regarding common scams targeting seniors
How to prevent Identity Theft:
- Check our website often. Any time there’s a security breach or an active scam that may adversely affect our members, we’ll post a prominent Alert on the home page.
- This Alert will also let you know what to do if you’ve been affected by the breach or scam.
- Access and review your credit report at least once per year to make sure that there is no unusual or unauthorized activity.
- Do not give your personal information to anyone, including any individual who contacts you by phone (Vishing) or Email (Phishing) claiming to work for Launch FCU or any other financial institution or governmental agency.
- Destroy all financial solicitations (such as pre-approved credit card offers) immediately.
- Safeguard your ATM PIN.
- Shred financial statements, credit and debit card transaction receipts and any other information containing sensitive personal data regularly.
- Report lost or stolen checks immediately.
- Contact Launch FCU immediately to let us know. We’ll help you through closing down your active Launch FCU accounts and establishing new ones.
- Close all credit card and financial institution accounts that you believe may have been accessed, used or opened fraudulently.
- Place a fraud alert on your credit reports with the credit reporting agencies.
- Review your credit reports frequently until you’re certain that the theft threat has been dealt with.
- File a complaint with the Federal Trade Commission.
- File a report with local police or the police department in the community where the identity theft took place.
- IdentityTheft.gov is a good resource that makes it easier for victims to report and recover from identity theft.