At Sperry, the security of both your assets and information is a top priority.
We go above and beyond credit union industry best practices to protect your valuable personal information, as well as monitor your Sperry accounts for fraudulent activities. As such, Sperry's online systems are closely monitored and constantly updated to protect against the emerging threats.
That being said, it is important to remember that the security of your personal information cannot be reliant upon on these measures alone. When it comes to fraudulent activity and catching the fraudsters who engage in criminal acts, we all have the responsibility to protect ourselves by keeping up-to-date on the latest scams.
Some simple tips include:
- Protecting your P.I.N. - Always use your hand to shield your P.I.N. as you enter it.
If the fraudsters do not have your P.I.N., they won't be able to use a clone of your debit card for P.I.N. based transactions.
- Protecting your Online/Mobile Banking log in credentials - Never, ever, give anybody access to your online or mobile banking log in credentials - no matter what. Always be sure to protect your sensitive account information!
- When In Doubt, Give Sperry a Shout - If something seems fishy or unusual, such as an email you've received asking for your Sperry online banking ID and password, don't hestitate to give us a call.
- Remember - Sperry will never contact you online to ask for your account numbers, social security number, or online banking username or password!
Following these tips are a good start to ensuring that your accounts are kept secure. Unfortunately, there are scammers everywhere - so vigilance, and education, are both key! The information that is provided on this page can help keep your sensitive financial information safe, so check back often. You can find a comprehensive list of resources below the Scam Alerts section.
Sperry Scam Alerts: Keep Up-to-Date on the Latest!
Preventing Elder Abuse - Doing Your Part
As more Americans are aging, it's important for loved ones to understand signs of Elder Abuse. In fact, the American Psychological Association claims that there are at least four million cases of elder abuse and neglect each year, with as many as 23 unreported cases for every case that comes to the attention of the authorities. Older adults possess greater resources, less technological savvy and a reticence to admit victimization - characteristics make them perfect targets for scams.
Some well-known types of scams geared towards the elderly include:
The Draining of Joint Accounts: Some older individuals hold joint savings, checking, or credit card accounts with their children, grandchildren, or other family members. This makes it easy for abusers to withdraw money for their own use without the approval of the joint account holder.
Frequent Demands for Money: Family members, neighbors, or even romantic partners and spouses take advantage of an older person’s willingness to lend or provide funds, particularly if the elderly individual has memory loss.
If you believe that an elderly person is the victim of financial elder abuse, take action. Here are several ways you can help:
Call Emergency Services. If you suspect that an elderly person is in immediate danger (physical abuse or physical or medical neglect), call emergency services (911 in most of the United States) to report your suspicions.
Call Protective Services. If the victim is living alone or in a non-institutional setting, call your state’s Adult Protective Services agency or the Eldercare Locator hotline at 1-800-677-1116. Adult Protective Services agencies coordinate efforts between social services, law enforcement, and other agencies to investigate the allegation. Each area’s Adult Protective Services agency has its own scope of practice and qualification standards. Age qualifications vary by agency, though some may provide services to disabled individuals of any age. Call your local agency to learn more about its standards.
For more tips on preventing elder abuse, click here.
Yahoo Data Breach Settlement Phishing Attacks
From 2012 through 2016, several hackers got into Yahoo email systems and stole billions of personal records. Recently, there’s been news of Yahoo reaching a settlement on the class action lawsuit created for these events. Yahoo must offer two years of free credit-monitoring services or $100 to anyone who had an account stolen during the hacks.
Watch out! The bad guys are taking advantage of this situation by tricking you into filing a Yahoo claim to get your $100 payment. They’re sending phishing emails that look like they come from Yahoo. When you click on their phishing links, you wind up on a website that appears to be for Yahoo’s class action lawsuit. Don’t fall for it! The website will steal your personal information instead.
If your Yahoo account was compromised and you want to claim your rights to this settlement, be certain you’re using an official resource. To submit your claim, visit https://yahoodatabreachsettlement.com.
Phishing for Instagram Passwords
If you’re one of Instagram’s one billion account holders, then stay on high alert for the latest phishing scam targeted towards the social media platform’s users.
The bad guys start the attack by sending an email claiming that someone has attempted to log in to your account. The email is convincing with its simple message and familiar design–complete with an Instagram logo and icon. The email message includes a “sign in” link and a “secure code” to confirm your identity.
When you click the sign in link, you’re brought to a completely fake, but extremely realistic-looking Instagram login page. The web address of the login page is the only noticeable red flag. The web address does not include “instagram.com”, and the URL ends with “.CF” instead.
Remember the following to avoid scams like this:
• Whenever you’re providing login credentials, be certain you’re on the real login page.
• Pay attention to the web address and be sure the proper domain is included in the URL.
• When you get an email from an online service that you use, always log in to your account through your browser to check the validity of the message–not through links in the email.
Capital One: What Else Is In Your Wallet?
As you may have heard, Capital One announced that they experienced a data breach in March which exposed the data of nearly 106 million bank customers or credit card applicants. Capital One has said they will notify the customers or applicants whose data was exposed. However, you must stay alert and be on the lookout for any phone calls, emails, or text messages from cyber criminals related to this data breach.
Watch out for the following things:
• Phishing emails that claim to be from your financial institution where you can “check if your data was compromised”
• Phishing emails that claim there is a problem with a credit card, your credit record, or other personal financial information
• Calls from scammers that claim they are from your bank, a credit union, or a government institution
• Any unexpected communication requesting personal information, such as your Social Security Number
• Indications that your identity was stolen, such as fraudulent charges on your credit card or notifications that your credit score has lowered
You Won't "LIKE" These Instagram Scams
Some of the latest social media phishing scams are making their way through Instagram right now. These attacks trick you into giving up your account’s login credentials so the bad guys can take over your account and further spread their malicious tricks.
Here’s how it works: You’ll receive a message from an Instagram user. The message claims they’ve seen some of your photos ranked on a “Hot List”, or even a so-called “Nasty List”. The message leads you to a fake Instagram account to see your ranking. The scammers include a dangerous, shortened link in their Instagram account profile, and use an enticing message to get you to click. Once you’ve clicked this link, you’re directed to a fake, but identical-looking Instagram login page. Don’t log in! If you enter your information here, it will be instantly sent to the bad guys.
Remember these tips when using social media platforms:
• Never open or respond to social media messages from strangers. Even if the message appears to be from someone you know, be cautious, their account may have been hacked.
• Shortened links are often used on mobile phones and social media profiles. If you can’t see the full address of where a link is taking you, don’t click! Wait until you can view the link on a desktop, and avoid clicking suspicious links altogether.
• Using shocking content to entice you is one of the oldest tricks in the book of phishing scams. If you receive an email or message claiming that your photos were seen somewhere, this is likely a scam. Don’t respond, and delete the message immediately.
Additional resources, sourced from the NCUA and others:
- Avoiding Social Engineering and Phishing Attacks
- Avoiding Tax Scams
- How to Spot Fake Checks
- Preventing and Responding to Identity Theft
- Phishing Prevention
- Preventing Malware
- The Dangers of Identity Theft
- Computer Security
- Spotting Internet Fraud
- Choosing Secure Passwords and Protecting Your Information
- Keeping Your Personal Information Safe and Secure
- Preventing Tax-Related Identity Theft
Resources to Help Combat Elderly Abuse and Fraud, and Senior Issues: