Tips to Protect Sensitive Information
Never use your date of birth, social security number, license number or street address as a PIN -- those are the first numbers an unauthorized person will try.
When at the ATM
- Don't throw away your ATM receipts at the ATM location. Keep them to reconcile your account, then dispose of them properly when you get home.
- Always be aware of your surroundings when using an ATM. If it is late at night, try to use a machine that is well lit and avoid dark, remote locations.
- Be aware of the person behind you. Make sure no one can see you entering your PIN or how much money you withdraw.
- Always make sure to retrieve your card from the machine when the transaction is complete.
- Destroy old cards immediately after receiving your replacement cards.
When using checks
- Always safeguard your checks. Do not leave checks out in an open area. Never leave your checks in your car or out on your desk at the office.
- Keep your blank checks and canceled checks in a safe place. Put them in a vault or other secure location. Destroy old blank checks if you are not going to use them.
- Limit the amount of personal information printed on the checks to your name and address.
- Be discreet when writing checks in public places. Write your checks carefully and leave no space in which figures or words can be inserted.
- When you make an error in writing a check, be sure to destroy the check or write "canceled" across it and store it with your other canceled checks.
- When you reorder checks, mark your calendar. If you don't receive your checks within 15 working days, contact your financial institution immediately to inquire as to the status of the order.
- Consider alternatives to check writing. For instance, paying by phone, online, Bill Pay or setting up automatic payments. Fewer checks mean fewer theft opportunities. the bogus website is to deceive you into entering your personal information so the scammer's can steal your identity and commit crimes in your name.
If your checks are lost or stolen, report it immediately to your financial institution.
Your Financial Statements
Don't leave your bill payments sitting in an unlocked mailbox for pickup. Many credit thieves will steal bills from rural mailboxes at the end of driveways so they can get your account information, checking information, and even your checks. Go to the Post Office directly or use a curbside USPS mailbox (the blue metal ones) and drop your bills in the slot rather than using less secure street mailboxes.
- Review your card statement as soon as possible. Match charges with your receipts to ensure all charges are yours and are for the correct amount.
- Reconcile your monthly statements as soon as you can to ensure all transactions are accurate. Contact us immediately if you do not receive it when expected. Be sure to contact your institution within that time frame to ensure that proper attention is given to reconciling the problem.
- Review your statement promptly to ensure all transactions are accurate. Report any discrepancies immediately.
Protecting your card
- Keep a list of all your cards including the account number and phone number to the issuing company.
- Always sign a new card immediately.
- When making a purchase with a card, make sure you get the card back and the receipt. Check the receipt for accuracy.
- When using a card at a restaurant or store, make sure that all blank lines are marked through so that no one can change the final amount.
- Never sign blank card receipts.
- Only travel with the cards you plan on using.
- Never give the account number of the card over the phone unless you initiate the call.
- When making an order over the telephone, try to avoid using a cordless phone. Cordless phones messages can be easily intercepted by devices as unsophisticated as baby monitors and police scanners.
- Do not write the PIN for the account on the card.
Report a Lost or Stolen Card
If your credit or debit card is missing, don’t assume it will resurface. Report your card immediately by calling (833) 933-1681 or (812) 647-9794 (international).
With the CU1 CardControl app, you can also "turn off" your CU1 debit or credit card at the touch of a button via your mobile device. Not yet using CardControl? Safeguard your funds in the future with a quick and easy download.