Your Privacy

We at Pacific Crest Federal Credit Union are committed to the member’s privacy and protection of their financial information. If you receive an email from a source representing Pacific Crest FCU, that asks you to visit a website and input your Pacific Crest Federal Credit Union member information, please do not follow the direction of that email. This correspondence is not from the credit union. We will not ask for your credit union information in any form on any part of our web site or its affiliates.

Emails such as this are known as “Phishing”. They fraudulently represent Pacific Crest Federal Credit Union to gain access to your information when you go to a website mentioned in the email. For more information about phishing and how to address the issue, please visit the links below:

http://www.antiphishing.org/

http://www.ftc.gov/bcp/consumer.shtm

Malicious email purporting to be from NACHA

A malicious email purporting to be from NACHA is currently circulating. Random individuals and/or companies may have received a falsified e-mail with the subject title "Rejected ACH Transaction." This e-mail appears to be from NACHA - The Electronic Payments Association telling them that there is a problem with an ACH transaction they have originated. The e-mail includes a link which redirects the individual to a fake web page which appears like the NACHA website and contains a link which is almost certainly executable virus with malware. See sample below.

IF YOU GET ONE OF THESE EMAILS DO NOT CLICK ON THE LINK! The email carries a potentially destructive virus. A sample of the phishing email follows:
= = = = = Sample E-mail = = = = = =

From: nacha.org
Sent: Thursday, November 12, 2009 10:25 AM
To: Doe, John
Subject: Rejected ACH transaction, please review the transaction report


Dear bank account holder,

The ACH transaction, recently initiated from your bank account, was rejected by the Electronic Payments Association. Please review the transaction report by clicking the link below:

Unauthorized ACH Transaction Report (this is the how the link is presented)

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Additional information can be found on the NACHA website.

Telephone Scam (Vishing)

Several members of Oregon credit unions have received calls from a telephone scam involving fraudsters attempting to obtain personal information from cardholders. Descriptions of the telephone call follows:

Cardholders receive a computer-generated call claiming to be from their financial institution. The call claims their accounts have been frozen and then direct the cardholder to call a toll-free number to leave their debit card information in order to reactivate any cards. The toll-free number includes a recorded message that asks the member to key in their account number, card expiration date, and PIN.

Cardholder awareness is a key in combatting fraud. Should you receive any questionable calls, please make sure that you do not provide any personal information.

Here are some additional tips to protect you from fraud:

• Make sure you, our member, initiate contact, and the institution verifies your identity with questions only you could know.
• To verify whether the call is legitimate, call your credit union or visit our website, using the phone number or internet address from your account statement or account documentation.
• Do not call back a number provided over the phone or click on a link in an email.
• Most communications will include something that will concern or excite the victim.
• If you have been the victim of a scam, file a complaint at your local law enforcement.
• Notify your credit union.

Mail Scam

One of our Lakeview members was alert and avoided another scam technique. She received a Parcel Tracking Notice with a jewelry value of $50. The notice stated, "This office is attempting to reach you. To claim this parcel, you must telephone the number below immediately and arrange for delivery. The item is prepaid, but a processing and delivery fee of $6.95 must be remitted. This fee can be paid only by telephone and only with a credit card (Visa or MasterCard). This is your only notification. Call this Toll-Free Number: 1-800-511-4690 and have your credit card information ready when you telephone."

Please be care of this scam. Once they have your credit/debit card information, victims are having unauthorized charges on their accounts. Never, give out your personal or financial information over the phone or online unless you have initiated the transaction.