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Phishing and Fraud

The most common type of online fraud technique is phishing. A phish is an email made to look like a legitimate communication from a company or organization with which you have a relationship. Financial institution, online auction and social media sites are the typical targets. As part of the scheme a phish typically has a website link you are asked to click on to enter certain private information to read an important message, claim a prize or avoid being denied access. Please review our tips on sorting out legitimate and fraudulent emails.

Who's asking?

RBFCU and its affiliates will never send an email or text message asking to confirm your username, account number, passwords, SSN, or any other sensitive information, If you receive an email, text message or phone call you consider suspicious please contact the Credit Union as soon as possible.

Grammar

Although some exceptions exist, phishing emails typically have at least a few spelling and punctuation errors. Phishing websites are normally copies of the legitimate site and therefore do not share the same issues. Read messages carefully to find obvious mistakes that would not be in a professionally composed email from your credit union.

Websites

Sometimes members will click on links in phish emails by accident or sheer curiosity. We discourage doing the latter but we understand that it happens. First and foremost, if after clicking a link you are asked to download or run anything, stop and go no further. NetBranch Online, our online banking site, does not require additional programs to function. Additionally, the address bar of your web browser should begin with, and only with, https://www.rbfcu.org/, any other characters added or missing is a red flag to stop. Your credit union has invested in a special security feature validating our identity to online visitors. If you are truly visiting our website your address bar will turn green, phishing websites will change your address bar either white or red.

Popups

Occasionally the RBFCU security team receives reports of popups on NetBranch Online promoting everything from diet pills to weekend getaways. RBFCU does not partner with any organization to solicit you through online banking, telephone, email or text message. Should you have a popup appear promoting products or asking for sensitive information you should ensure your computers security features are up-to-date and functioning. If you are unsure of how to do this we urge you to review our Computer Security page or contact a computer professional for assistance.

I provided my information, now what?

First of all, call your credit union so we may secure your online account and block any credit or debit cards that might be affected. A representative can provide you information on next steps which may include contact credit bureaus or law enforcement.

Credential Compromise Letters

RBFCU contracts with an industry leading service provider who monitors the internet for our members' online banking passwords and debit card numbers stolen by fraudsters who have phished the member or installed malicious software on the member's PC. RBFCU, once notified, secures your online account to prevent unauthorized access then mails you a notice so you can take appropriate action. Your online access will be restored once a member service representative confirms removal of malware and changes applicable login information.