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Identity Theft Protection
A valuable and convenient program available for our members!
Membership in Identity Theft Protection provides convenience, savings and protection to you and your family with access to the following benefits:
- Identity Theft Insurance with Fraud Assistance
- Credit Alert®
- Payment Card Protection
- Membership Agreement
For more information about Identity Theft Protection or to sign up, click here!
If you are not automatically redirected, please copy and paste the following address into your browsers address bar: http://mymembersmarketplace.com/onpointccu/retail
Notice: By using the links below you will be leaving the OnPoint site.
The sites listed below are not under the control of OnPoint. Accordingly, OnPoint makes no representation concerning and shall not be responsible for the content, privacy or security of any third party sites. The fact that there is a link from OnPoint's site to another site does not constitute a product or service endorsement by OnPoint. OnPoint is providing this link only as a convenience to you.
Identity Theft Resources
Protect yourself against identity theft
Today's information explosion and easy credit access have unfortunately left many American consumers vulnerable to identity theft, the fastest growing crime in the United States today, according to the Federal Trade Commission. (Contact the Federal Trade Commission's Identity Theft Hotline at 1.877.ID.THEFT or by clicking here).
Identity thieves obtain personal information (names, birth dates, Social Security and driver's license numbers, etc.) from unknowing victims, stealing their identities to access credit, products and services. The end result can be devastating - leaving the victim's good name and credit history in shambles.
What is 'Phishing'? Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information.
Phishing is the term coined by hackers who imitate legitimate companies in e-mail messages to entice people to share passwords or credit card numbers. Recent victims include Bank of America, Best Buy and eBay, where people were directed to Web pages that looked nearly identical to the companies' sites.
What is 'Spoofing'? Pretending to be something it is not, whether an email, website, etc.
To decrease your risk of becoming a victim of identity theft, follow these helpful tips:
Guard your personal information. Do not include your driver's license or Social Security number on your checks. Never give out your Social Security number to any business or individual unless it's absolutely necessary. Whenever possible, ask to use other types of personal identifiers such as a picture I.D.
Limit the type and amount of identification information you carry. Don't keep your Social Security card in your wallet, purse or briefcase. Carry fewer credit cards, if possible. For information about Social Security Theft and Prevention, click here.
Use a locked mailbox to send or receive mail. Better yet, deposit outgoing mail (particularly bill payments) at your local post office. Remember to promptly remove incoming mail from your mailbox. Report any mail fraud to your local postmaster.
Carefully destroy all papers before you throw them out. A crosscut paper shredder works best to make sure any papers with sensitive or personal identifying information (including pre-approval credit card offers) are thoroughly destroyed.
Pay attention to billing cycles. If your bills don't arrive on time, follow up with your creditors to find out why. Contact OnPoint immediately if the billing company hasn't received your check payment.
Order your credit reports annually to review their accuracy. Contact the following three credit reporting agencies to make sure each of their reports lists only those activities you've authorized:
TransUnion: 800.888.4213 (www.tuc.com)
Experian: 888.EXPERIAN (www.experian.com)
Equifax: 800.685.1111 (www.equifax.com)
Inform check security companies of any fraud affecting your accounts by calling them directly:
| National Check Fraud Center |
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1.843.571.2153 |
| SCAN |
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1.800.262.7771 |
| TeleCheck |
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1.800.710.9898 |
| CrossCheck |
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1.707.586.0551 |
| Equifax Check Systems |
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1.800.437.5120 |
| International Check Services |
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1.800.526.5380 |
| Chexsystems |
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1.800.428.9623 |
| CheckRite |
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1.800.466.2748 |
Be wary of telephone solicitations and Internet account update requests. Never provide information unless you have initiated the call. For more information about phone fraud, click here. If you receive any e-mail requests to re-enter your credit card information to keep your Internet account active, the FTC advises you to contact your Internet Service Provider directly to make sure this is not a scam.
Need more information?
To learn more about identity theft and what you can do if you become a victim of this crime, you can visit the following sites for more information:
Identity Theft Resource Center
U.S. Government Identity Theft
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