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October is national cyber security awareness month, and the RBFCU security team has taken a look back at the year's events to put together some advice to help members and their families remain safe and secure online.


Many of us are now familiar with spotting fraudulent email messaging, known as phishing, which is designed to steal our personal information and account details. Unfortunately, a new twist to this old trick has become more prevalent this past year. Work-from-home schemes including reshipping of electronics and clothing, money pickup and redeposit, and child care jobs have popped up by the dozens.

  • In reshipping schemes, thieves contact individuals through online ads to receive electronics or expensive clothes. The merchandise is then repackaged by the individual and shipped to a new destination. Unfortunately the clothing is often purchased with stolen credit cards and the person who received the clothes for repackaging receives a visit from law enforcement.

  • Money transport schemes, the act of moving money from one financial institution to another for the illegal benefit of someone else, is a costly problem for both financial institutions and members. This is also sometimes known as money muling.

Be wary of online job ads for work requiring you to open an account at a particular financial institution. Often these jobs will involve receiving money from the accounts of strangers, typically the employer or their clients, then depositing it elsewhere or sending it via wire, in exchange for a processing fee. The problem is none of the money belonged to you or the online employer and now you are responsible for paying it all back. These jobs are too good to be true and are certainly not worth the risk.


Trojans are programs downloaded and installed by you, the victim, following an alert that your device has been infected. You might see this screen even if you updated your computer recently, because it's a scam to gain access to your computer and your personal information. If you think your computer may have been infected, restart and update your computer, then run an antivirus scan before going online again.

If you don't have an antivirus program, visit our Security page, or ask a computer professional for a list of some of the leading vendors. Keeping your system up-to-date and secure is important; Trojans can steal your passwords, access your online accounts, post on your social media sites and even execute unauthorized transactions.

Texting Scams

Texting is increasingly popular and with its growth, the opportunity for crime and scams continues to increase. There have been numerous reports this year regarding texts and phone calls informing people their cards have been blocked and sensitive information is required to restore them (As a reminder, RBFCU will not text or call you to request your PIN number or other sensitive personal information).

More Information

The National Cyber Security Alliance provides information dedicated to keeping you, your family and your business safe online. Please take time to keep your security knowledge and resources up to date so you can protect yourself, your family and your finances.