Our Security Spotlight features information about current scams, provides tips to protect yourself from fraud attacks, and offers steps you should take should you fall victim to fraud.
Online shopping scams - Online shopping scams have been around for quite some time and continue to evolve. The trickest form comes in the form of an email disguised as one of your favorite retailers. These emails offer amazing deals or specials and make people feel like they are too good to pass up. Unfortunately, once you click the link, you may open your computer up to malicious software and viruses. To learn about ways to help you spot these scams, click here.
Child tax credit scam lookout - With child tax credit payments coming in monthly and continuing for the rest of this year, fraudsters have discovered a new way to try and get their hands on your money. Scammers pretending to be someone from the IRS are nothing new, but remember, the IRS will NEVER call you and ask for your personal information. If someone is calling and representing themselves as an official from the IRS, hang up immediately. Here are some more tips to keep you informed on child tax fraud.
Fake calls scam - With the holidays only a few months away, phone calls from scammers pretending to be Apple and Amazon will start ramping up again. These calls usually start with an automated operator telling you your account is compromised and press a button or call a number to be connected to a technician. These "technicians" are not really employees of Amazon or Apple and are just trying to get your personal information or your money. If you are concerned your account may be compromised, contact Apple or Amazon directly using the numbers provided through their official websites. For more information on these types of scams, click here.
Trust your gut - If something feels off, stop what you're doing and ask questions. If something feels too good to be true, it probably is. Never be embarrassed or ashamed to ask more questions or do more research before committing to something.
Change your passwords often - Changing your password regularly is a good practice. By regularly changing passwords, you regain control of any accounts that may be compromised. In other words, you will lock out anyone that has access and who shouldn't. Note, it's important never to use words or phrases related to you that someone can guess.
There is help in apps and services - Fraud is on everyone's mind, and protecting yourself can be done these days simply by downloading certain apps and taking advantage of services. Astera offers many products and services dedicated to protecting your accounts. Check out our brand new Astera Card Controls app detailed below.
Call immediately if you suspect you're a victim of fraud - Should you fall victim to a scam or fraud, one of the first steps to take is contacting the proper authorities along with your financial institution(s) to make them aware. Astera CU will secure your account, including shutting down your account(s) to prevent future loss.
Astera Card Controlsadds another level of security to your cards by letting you decide how and when they can be used and alerting you when any types of transactions you specify occur. You can even use Astera Card Control to set personal spending limits that help you stay within your budget goals.
Turn cards on or off in seconds
Use GPS to restrict transactions to businesses within a designated area
Limit card use to specific merchants or purchases
Receive real-time, in-app alerts that let you stop unauthorized purchases before they're complete
Receive alerts when you're getting close to any personal spending limit you've set
Download the Astera Card Controlsapp and gain a new level of security and control over your money today!
If you'd like more information about Astera's security services, call us at 800.323.0048, or visit us at www.AsteraCU.com.