Protecting Your Financial Identity
It only takes a few seconds to become a victim of financial fraud. But it often takes months to recover.
Armed with discarded credit card receipts, checks, or deposit slips, today's crooks are making unauthorized transactions from victims' accounts, and even opening new--fraudulent--credit card and checking accounts.
There are steps you can take to prevent your identity from theft.
Examine all your financial statements. Promptly reconcile your monthly share draft account statement. Save check stubs and credit, debit, and ATM (automated teller machine) receipts. Report discrepancies between your records and monthly statements to the appropriate company. Check credit bureau reports at least once a year.
Limit the paper trail. Store receipts and share draft carbons in a safe place. Or shred them, especially areas where account numbers are visible. Shred blank checks from closed-out accounts and expired or unused credit cards. And shred any credit card receipt carbons.
Guard your purse or wallet. Thieves often target unoccupied vehicles, unlocked office drawers, and health club locker rooms.
Protect your personal identification number (PIN). Never keep your ATM PIN in the same place as your card.
Beware of phone scams. Never give your PIN or any other personal financial information to an unknown caller.
Check your mail. If you haven't received mail for a few days, you may be the victim of mail diversion fraud. This scam involves a crook forging an individual's signature on a change-of-address form to divert your mail and obtain financial information. If you suspect your address has been changed without your permission, contact the post office.
Track financial statements. Find out when financial statements and plastic cards are due to arrive. If they're late, contact your credit union or appropriate issuer.
Protect yourself online. New technology allows online vendors to assure customers reasonable security from online theft. If you doubt the security of the vendor, order the items over the telephone.
Visit the Federal Trade Commission identity theft Website to view a copy of its publication, 'Take Charge: Fighting Back Against Identity Theft.’
Notice of Your Financial Privacy
Chicago Firefighters Credit Union has never shared personal information and will continue to maintain the security, integrity and confidentiality of your personal financial information.
Chicago Firefighters Credit Union Information Privacy Notice
CFFCU collects nonpublic personal information about you from the following sources:
Information we receive from you on applications or other forms
Information about your transactions with us or others
Information we receive from a consumer reporting agency
CFFCU restricts access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
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