Account Fraud Protection
At Autotruck, your account security and protection are a top priority. Crimes like identity theft continue to be on the rise and it is important for you to keep your account information safe. Please read the following information below for tips on keeping your account information secure and what to do if you suspect fraud on your account.
• Protect Your Information
Keep track of your accounts and watch for anything that seems out of the ordinary and any transactions you have not authorized.
Check all of your bank/credit union accounts and credit card statements monthly to make sure you have authorized all transactions. A great way to do this is with Autotruck’s Mobile App, or Online Account Access. You can check on your accounts anytime 24/7.
Click the button for details.
• Know What Is On Your Credit Report
Monitoring the content of your credit report is key to identifying fraud and identity theft. The federal government allows you to access your credit report for free once per year. This can be done at annualcreditreport.com
Additionally, Autotruck offers members, FREE of charge, the ability to check their credit score, view the content of their credit report, and to receive credit monitoring alerts via our Credit Sense Program. Learn more about this extremely helpful and free service at https://www.autotruckfcu.org/credit-sense
• Keep Personal Information Safe
• DO NOT give out any account information or information like your social security number to anyone unless you are absolutely sure about who you are giving it too. This means you should never provide your personal financial information over the phone, via email, or through the Internet unless you originally initiated the contact.
• Keep Social Security numbers and Personal Identification Numbers (PINS) and Passwords in a secure place.
• Choose PINS and Passwords that are difficult to guess and change them on a regular basis.
• Consider going paperless with electronic statements. Electronic statements allow you to stop receiving paper statements and receive them electronically. We suggest you check with each company, though, to verify that its statements are sent to you through a secure system. Learn more and sign up for eStatements through your account online at our web site.
• Shred your mail and any papers that have personal information and/or financial information on them; this includes credit card statements, bank statements, offers for pre-approved credit, etc.
• Store new checks in a secure place. In addition, if you are expecting new checks, always make sure you receive them in a timely manner.
• Do not include your driver’s license number, Social Security number, or phone number on pre-printed checks.
• Always check your mailbox for new mail. If you notice that you have stopped receiving mail, contact your post office immediately. It is also a good practice to send outgoing mail through the post office directly or a secure post office box.
• Request a hold on your mail and/or newspaper if you are planning to be away from your home for an extended period of time. Contact your post office to do so. In addition, you can also contact us to setup a seasonal address for your accounts.
• Card Safety
• Download the Free CardGuard App that puts you in control of your Autotruck Debit Card.
Click the button for details.
• Always protect your debit card and keep it in a safe place, just like you would cash, credit cards or checks. Sign the back of your card immediately upon receipt.
• Destroy your old card when it expires or when your new card becomes effective.
• Memorize your PIN (Personal Identification Number) and do not write it on the back of your card or keep it in your wallet or purse. You should keep a written record of it in a secure location entirely separate from your card.
• Do not share your debit card or PIN information with anyone.
• Always save your receipts, so you can compare them with your monthly statement.
• Prevent others from seeing you enter your PIN by using your body to shield their view.
• Beware of your surroundings at the ATM at all times. If you notice anything suspicious at the ATM, cancel your transaction, pocket your card and leave the ATM immediately. If you are at a drive-up ATM, make sure all of the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.
• Don’t display your cash upon receipt; pocket it or put it in your purse immediately.
• Report any problems with the ATM to the operator of the facility. Report any suspicious activity to the operator and the local law enforcement officials immediately.
• Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner.
• Don’t accept assistance from anyone you do not know or who is not an employee of the credit union.
• Contact your financial institution immediately if your ATM card is lost or stolen. To contact us, see below for important numbers.
• Online Access Tips
• Make sure the Online Banking site is secure with SSL security before you conduct any transactions. Two signs will confirm this SSL security: 1) when you are in our site or any secure site the URL will look like this “https://” and include an “s” and 2) a small padlock will appear in your browser’s screen, typically at the bottom or top of your screen.
• Always log out of the web site and close the browser when you are finished.
• Never access your Online Banking on a public computer at Internet cafés, public libraries, etc. You do not know if malicious software has been downloaded onto the computers.
• Recognize the site that you are entering. If the site looks unexpectedly different, do not enter site. Some Online Banking sites provide an extra layer of protection called multi-factor authentication (MFA). MFA detects any uncharacteristic or unusual behavior involving your Online Banking account. If something looks strange or our website does not have the https or secure lock, do not log in to your account.
• Never leave a computer unattended while using your online banking, or any secure website.
• Change your password when instructed and make sure the new password differs from the old one. Your password should be difficult to guess and include a combination of letters and numbers.
• Internet Safety
• Do not click on pop-ups or other downloads from sites you are not familiar with or do not trust. The same goes for emails – do not click on links, downloads, and/or attachments in emails from users you do not know or trust.
• Make sure any online shopping sites are secure with SSL security before you make any online purchases. Two signs will confirm that SSL security is in use: 1) the URL will have a “s” in it and look like this “https://” and 2) a small padlock will appear in your browser’s screen, typically at the bottom or top of your screen.
• Do not interrupt your online session by clicking on another site when you are completing a transaction online. Always complete the transaction and then log out of the site before you move on to another web site.
• Always officially log out of any e-commerce or financial site when you are done with the site and then close the browser window. Do not click the “remember me” check box on a web site’s login page.
• Never access a credit union, bank, brokerage, or other financial services information on a public computer at Internet cafés, public libraries, etc. You do not know if malicious software has been downloaded onto the computers.
• If You Believe You Have Been A Victim Of Identity Theft, Please Follow These Important Steps.
1. Report the fraud immediately to your creditors including Autotruck, credit card companies, and mortgage company.
2. Be sure to keep records and document all communications with the creditors and government agencies you contact, including the date and the name of the person you were in contact with. Follow up all telephone contacts with a letter and keep a copy.
3. Carefully monitor the account activity on your statements. Report fraudulent activity to the issuing company immediately.
4. Place a fraud alert on your credit report. To do so, contact the three major credit bureaus:
· Equifax – (800) 525-6285
· Experian – (888) 397-3742
· TransUnion – (800) 680-7289
Notify Social Security Fraud Hotline – (800) 269-0271
5. File a police report. Provide them with as much information and documentation as possible.
6. Notify the Federal Trade Commission at (877) 438-4338
Important Numbers
- TransUnion (800) 680-7289
- Experian (800) 397-3742
- Equifax (888) 766-0008
- Lost Or Stolen Visa Credit Cards
To report that your Autotruck VISA Credit Card has been lost or stolen call (800) 459-2328 during regular business hours. After hours, on weekends and holidays call (800) 325-3678.
To dispute fraudulent charges on your Visa Credit Card call (800) 600-5249.
- Lost Or Stolen Debit Cards
To report that your Autotruck Debit Card has been lost or stolen call (800) 459-2328 during regular business hours. After hours, on weekends and holidays call (800) 320-0117.
To dispute fraudulent charges on your Debit Card call (833) 312-3723.
Helpful Links
Government Web Site Fraud - https://www.usa.gov/scams-and-frauds
FTC Fraud Alert - https://www.consumer.ftc.gov/
Blocked Country List
We're serious about doing all we can to protect you from fraud.
Because of the increasing number of international fraud cases, Autotruck has blocked use of Credit Union debit and credit cards in all countries outside of the U.S. If you are traveling outside the U.S., you must contact Card Services to request a travel exemption be put in place for the country and the dates you will be traveling. For questions, please call 800-459-2328 or contact your local branch office.
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