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Identity Theft

There’s only one you; let’s keep it that way

So many of our modern conveniences are powered on personal data: social media, online shopping, mobile banking, credit scores, and more. And while most of us trust that our data is safe and that what we share with companies is worth the benefits we receive, there is growing risk that your identity can be compromised.

What is Identity Theft?

Identity theft occurs when a criminal has enough of your personal information to pretend to be you. That information can be stolen in a variety of ways, including scams, phishing, and data breaches. In certain cases, this theft could result in risk to your reputation, like if your social media or email accounts are hacked. In more serious cases, your money could be stolen and/or your credit impacted if a loan is applied for under your name.

How SMCU protects you

  • As a financial institution, SMCU has very strong security systems and protocols in place to protect your personal and financial information.
  • All SMCU employees are trained on how to handle sensitive data to avoid theft.
  • If your debit or credit cards are ever compromised, or fraud is suspected, SMCU may lock your cards or reissue them, depending on the severity of the risk.
  • If your money is ever stolen, SMCU’s Zero Liability Policy will return any money you lost and conduct a thorough investigation.
  • There is multi-factor authentication required to log-in to Online and Mobile Banking.
  • SMCU will never ask you to provide personal information over email or by text – we will only discuss these details with you in a secure environment or in-person/over the phone after we have verified your identity.

Ways to protect yourself

  • Purchase Identity Theft Protection that can monitor several areas of personal information.
  • Be extremely cautious about sharing your personal information on social media and other websites and ensure your privacy settings are set to ensure only those you want to see your posts can see them.
  • Check your credit report regularly for loans and accounts you did not open.
  • Do not share information with anyone, including merchants unless you are making a purchase or entering into an agreement with them that requires that information.
  • Use your EMV chip whenever possible and avoid swiping your card at point-of-sale machines
  • Sign up for Account Alerts so that you get notified of purchases made on your cards/accounts as they occur.
  • If you lose or misplace your credit card, debit card, or checks, inform SMCU at once.
  • Regularly change your online and mobile banking passwords and make them difficult to guess.
  • Let us know when you’re traveling, and where you’re going, especially when you leave the country.

Additional Resources

  • FTC website for reporting identity theft
  • ID Theft Center to learn more about steps you should take if you've been victimized
  • If it appears someone is using your SSN, call the Social Security Administration at (800) 772-1213

If you see suspicious transactions on your SMCU account or think you may have been the victim of Identity Theft, contact us immediately at (650) 363-1725.

You should also contact all three credit bureau’s right away if you believe you’re the victim of Identity Theft.
 

  Fraud Unit Credit Reports

Experian

(888) 397-3742

(888) 397-3742

Equifax

(800) 525-6285

(800) 685-1111

TransUnion

(800) 680-7289

(800) 888-4213

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