Supervalu stores breach
On August 14th, SuperValu stores, the parent company of Cub Foods, notified the public of a criminal intrusion at some of its owned and franchised stores. This intrusion may have resulted in the theft of debit and/or credit card numbers, expiration dates and other numerical information, possibly also including the card holder's name.
SuperValu believes that this breach occurred between June 22nd and July 17th at over 180 stores, one of which is the Cub Foods located in Duluth, MN. The complete press release can be found here http://www.supervalu.com/security.html and a complete list of the affected stores can be found here http://www.supervalu.com/content/dam/supervalu/Store%20List.pdf.
NCCYou has not yet heard if any of our card holders have been compromised. However, we are already taking action to discover how many may possibly be affected. NCCYou is also working with our card processor to determine the scope of this issue. At this time we are not advising the immediate cancellation of debit and/or credit cards. Once the scope of the breach at SuperValu is clear, members who hold a card that has been identified as at risk will be notified and those affected cards will be re-issued.
NCCyoU Member Alert!
Yesterday NCCYou received several notifications from both members and non-members of a Smishing scam focusing on this area and utilizing NCCYou as one of the targets. Smishing is the use of the SMS (short messaging services, or text messages) technology in an attempt to get individuals to divulge sensitive personal information like Social Security Numbers, credit card numbers, or usernames and passwords for online banking. These schemes involve criminals setting up an automated dialing system to text or call people in a particular area code or region. These regional attacks can last anywhere from a few hours to a few weeks and are very hard to stop as the criminals often hide their activities by sending false phone numbers which can be owned by legitimate businesses or individuals. To make matters even more complicated these scams are generally perpetrated by individuals from foreign countries.
In order to add validity to their claims and to make this scheme more persuasive, scammers will often add the names of local banks, credit unions, or other institutions. The scammers hope to catch individuals off guard and exploit the sense of alarm that these types of messages can create. Often times these messages claim that a person’s account is blocked for fraud or in another way compromised and a phone number or website is provided to “validate” the account credentials.
To protect yourself from Smishing, remember that if a text or email message looks even remotely suspicious, delete it. Never reply to or follow the instructions of a text that asks you for personal information. NCCYou will never ask you to reveal this type of sensitive information in an unsolicited text message. Here are a few more tips to avoid becoming a victim of Smishing:
1 - Avoid clicking links within text messages, especially if they are sent from someone you don't know. But be aware that attack messages can appear to come from someone you do know, so think before you click.
2 - Don't respond to text messages that request private or financial information from you. If you get a message that appears to be from your bank, financial institution, or other entity that you do business with, contact that business directly to determine if they sent you a legitimate request. Review this entity's policy on sending text messages to customers.
3 - Beware of messages that have a number that says it is from "5000" or some other number that is not a cell number. Scammers often mask their identity by using email-to-text services to avoid revealing their actual phone number.
4 - If a text message is urging you to act or respond quickly, stop and think about it. Remember that criminals use this as a tactic to get you to do what they want.
5 - Never reply to a suspicious text message without doing your research and verifying the source. If your bank is really going to cancel your credit card, you should be able to call the number on the back of your card to discuss this matter with them.
6 - Never call a phone number from an unknown texter.
Scammers are getting more sophisticated every day and these scam emails and text messages are becoming progressively harder to detect. If you believe that you have given out any personal information to scammers please contact any NCCYou office. Please remember that your NCCU IDGuard checking can also help protect your identity, so don’t forget to register for this protection today at www.idprotectme247.com. If you don’t have an IDGuard checking please contact any of our offices at (218) 279-3200 for more information.
The FBI is advising people targeted by this, and other internet crimes, to report the messages to www.ic3.gov, the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center.
You can also forward Smishing texts to 7726 and your cell phone provider will mark them as abuse. If you think you've been a victim of a Smishing attack, file a complaint with the Federal Trade Commission at ftc.gov or call 1-877-HELP (4357).
For more information on your Social Security Number and ID Theft go to the Social Security Administration's website or click here.
For information on how to place a freeze on your credit reports go to the FTC website or click here.
This Week in our Financial Wellness Blog!
In this week's Be Well, we say goodbye to Dan Szymczak, as this is his final post. Dan will be moving on to continue financial counseling with another entity. We wish Dan the best of luck in his counseling journey and we thank him for the great work he has done on this blog and with our NCCYou members. Read his farewell post here.
At this time we will continue to keep the blog available, as it can always be a fantastic reference for financial wellness, but blog posting will be on hiatus until further notice. Thank you for following and we hope to have an update for you soon!
If you think you may need help with your personal finances, we still have resources to help you. Please call us at (218) 279-3200 for a referral to a third party counseling source.
Leased Land Mortgages
St. Louis County is offering land for sale on a number of area lakes that it had previously leased to homeowners and property owners. If you own a home on this type of land, would like to build on this type of land, or would like to refinance existing property or buy County leased land, NCCYou can help! We now offer a variety of mortgages on St. Louis County leased land, as well as bare land loans. Call Koby Myer at 218-279-3200 Ext. 237 for more information or to set up an appointment today!
Now Open In The Shops At Bluestone!
NCCYou is happy to announce that we are now open in The Shops at Bluestone on Woodland Ave. in Duluth! This branch features full service, state-of-the-art ATMs which are available 24/7, and Caysee, our Loan Officer, is available during the week to help members with lending questions and opening new accounts! Stop in and see the new branch today!
Join us for our Grand Opening! August 15th-29th. Stop in for games and prizes, snacks and refreshments, and a lot of fun! New members who open an IDGuard Checking account will be eligible to win UMD Football tickets!
If you (current member or non-members) have a loan with another financial institution and you want to see if you can get a better rate, come to the Bluestone office on Thursday or Friday to play "Beat My Rate!" Bring in verifiable loan documentation and if we can't beat the rate you'll win a Visa gift card! Click here to see our event flyer with a list of our goings-on and spread the word to come on down to NCCYou Bluestone!
Introducing IDGuard Checking with IDProtect®
NCCYou is proud to offer IDGuard Checking, a new kind of checking account with the identity theft protection product IDProtect®. This new checking account still has all the same great services you currently receive - no minimum balance requirement, unlimited check writing/debit card transactions, free call 24, free ATM/debit card, free online banking and bill pay, free e-statements, free mobile banking with remote deposit capture - but you receive a comprehensive identity protection service for you and your family for just $2.95 a month! With questions or concerns, call 279-3200.
To access and activate your IDProtect account, go to www.IDProtectMe247.com, choose "Register" and use the access code NCCYou provided through your IDGuard Checking notification letter. If you do not know the access code, please call us at (218) 279-3200. You may also call IDProtect at 1-877-610-7889 with any questions about accessing your profile and monitoring your identity.
Read here why IDProtect might be one of the best products NCCYou has ever offered the membership.
Spring into Summer with Our Sports Vehicle Special
It's that time of year! Time to take advantage of the season's nice weather by heading outdoors with NCCYou! Check out our current special on sports vehicle loans! Get rates as low as 3.20% with extra discounts available. Save on Jet Skis, boats, ATVs, and more! See us for more savings and details! Call us at 279-3200 today!
We're on Facebook!
Northern Communities Credit Union is now on Facebook and Twitter! You'll find links to both our new sites at the top left of our page. Our Facebook page will highlight current specials and upcoming events. "Like" us on Facebook for the latest and best information on personal finance, and follow us on Twitter for the latest news from your credit union!
Serve on Our Supervisory Committee
We currently have an opening on our Supervisory Committee! If you are interested in serving or would like to know more about the position, please call us at 279-3200. To view our current Board of Directors and Supervisory Committee, click here.
Click here to learn more about NCCYou e-Statements!
And while you're at it, check out our new mobile banking app for Apple and Android devices! Simply go to the Apple Store or Google Play store and search for NCCYou!