Fraud Alerts

Please note that First Financial Credit Union will NEVER solicit personal or private information via e-mail, phone or text messaging.

December 9, 2017

First Financial Credit Union has received reports that counterfeit First Financial Credit Union Official Checks have been circulating across the United States. These Official Checks are being offered as payment associated with a job offer or job opportunity. The scammer is sending the counterfeit Official Checks in the mail via the United States Postal Service priority mail. The scammer will then request you to cash the Official Check and send the funds to the scammer via a western union or money gram. If you have received one of these counterfeit Official Checks associated with a job offer please do not cash or deposit the item.

If you have any questions please contact our Member Resource Center at 505-766-5600 or 1-800-342-8298.

May 27th 2016

First Financial Credit Union has received reports of an individual calling our membership base and impersonating the First Financial Credit Union loan department. The scammer tells our members they are pre-approved for a loan and asks for personal identifying information like a social security number, date of birth, home address, and First Financial Credit Union account information. This scammer is calling from the phone number of 619-489-0071 and 619-663-1722, however please be aware that these numbers can possibly change.

Please note that First Financial Credit Union will never solicit personal or private information via e-mail, out bound phone calls, or text messaging. If you receive any phone call, e-mail, or text message asking for your personal information please do not give out this information and contact our Member Resource Center immediately. Any outbound calls by our loan staff will be from a local New Mexico First Financial Credit Union phone number. First Financial Credit Union will never contact a member from an out of state number.

If you have any questions or have received a similar phone call please contact our Member Resource Center at 505-766-5600 or 1-800-342-8298.


Protect Yourself from “phishing” and “smishing” fraud:

  • Be wary of any text or email messages you receive from an unknown sender.
  • Do not open unsolicited e-mails or text messages.
  • Do not click on any links provided in unsolicited e-mails.
  • Do not display your wireless phone number or e-mail address in public. This includes newsgroups, chat rooms, websites, or membership directories.
  • If you receive an unsolicited email appearing to be from someone you do business with and there is a website link in the body of the email, do not click on it. Instead, go outside of the email and access the website directly through your web browser.
  • Check the privacy policy when submitting your wireless phone number or e-mail address to any website. Find out if the policy allows the company to sell your information.
  • Contact your wireless or Internet service provider about unwanted messages.
    If you are a victim, take appropriate steps:
    • Block and reissue any compromised credit or debit cards.
    • Report the incident to one the three credit bureaus – TransUnion, Equifax or Experian.
    • Order a credit report by accessing www.annualcreditreport.com

Attorney General Brochures (Identity Theft)

Putting a Chill on Identity Theft

Counterfeit Check Scams

Scams

Elderly Scams

Preventing Credit Card Fraud

Disputing Your Credit Report


Fraud Protection Service For your Debit MasterCard

First Financial Credit Union provides Falcon Fraud Protection as an added layer of security on all our debit cards at no additional cost to you. Falcon monitors your card activity around the clock to detect irregular activity on your debit card.

If suspicious activity is detected a member of the Falcon team will contact you from 1-888-241-2440 on behalf of First Financial Credit union to the phone number(s) we have on file. Once you are on the phone with the agent they will verify your identity by asking questions that may include a portion of your card or social security number. If they left you a message then they will also ask you for the case number referenced in the message.

Travel Plans?

Lastly, please notify us of your travel plans. Purchases made with your card outside of your local area may be a sign of suspicious activity. We also ask cardholders to keep your contact information with us current. You can update your information by sending a secured message through your online banking or stopping by one of our offices.

Keeping your money safe and secure is our top priority. If you have questions about the Falcon Fraud Protection Services call us at 505-766-5600 or 1-800-342-8298.


Check Your Credit Report at Least Once a Year

You are entitled to receive one free credit report every 12 months from each of the nationwide consumer credit reporting companies, Equifax, Experian and TransUnion. This free credit report can be requested online, by phone, or by mail.

You can order credit reports from all three bureaus at one time, or you can order one now and the others later. For more information, click here to go to the Annual Credit Report Web site.


ALERT!

Will you be a part of a criminal investigation?

You could be, if you share your online/mobile banking user name or password with anyone. Your credit union will never ask for your login information or pin, because we already have access to your account.

First Financial is doing everything we can to prevent you from being scammed. By giving out your pin number, user name, password, or any other secret information, you are opening yourself up for fraud, scammers and a potential criminal investigation. Even if you believe that the person asking for it is going to give you money or doing it for your good, the consequences of doing so, may be very different.

Scammers will ask you to transfer money into an account or ask for your credentials. When the money transferred, turns out to be stolen from someone else, YOU are required to pay it back. Your paycheck can be garnished, you could have legal action taken against you and you could be out thousands of dollars.

Please help us, help you, by keeping your account safe. Don’t give out your personal log-in information or pin # to anyone.

Protecting your money and financial data is one of First Financial Credit Union’s top priorities.

Online Banking Security

No matter where you are, First Financial Credit Union provides members with a secure way to access your accounts. To help better protect your online and mobile banking credentials we recommend the following online security tips:

  • Do not use your Social Security number as a username or password.
  • Protect your online passwords. Don’t write them down or share them with anyone.
  • Use secure websites for any online shopping.
  • Avoid sharing personal details on social media that is used by your financial institution such as, date of birth, home address, mother’s maiden name, or social security numbers.
  • Be wary of accessing online banking from unsecured or public wireless networks.
  • An employer will never request your online banking username or password.
  • Be cautious of conducting online banking on public or shared computers such as libraries or school computers.

Learn to Spot Scams

Know what to look for to avoid becoming a victim of account fraud and learn how to spot scams. Scammers will develop a fake story, job opportunity, or investment to make you believe a check, money order, or U.S. Postal Money Order is legitimate. They will give you instructions to cash the item and send the funds to them. The fraudulent check would then be withdrawn from your account, leaving you liable for the funds. Here are some tips to help you spot those scams:

  • Be cautious of anyone asking you to deposit an item into your account and immediately wire or send a portion of the funds elsewhere. The scammer usually request you to send those funds via money gram, western union, prepaid visa gift cards, or deposit those funds into an account at another bank or credit union.
  • Always tell a credit union employee if you are concerned or unsure of a check that is being deposited into your account.
  • Be cautious about strangers who ask you to deposit checks for them, ask about possible financial opportunities, or share account information such as debit card and PIN numbers.
  • Remember that you are responsible and liable for any items that you cash or deposit into your account.
  • Never give out personal information such as Social Security number, bank account information, online banking credentials, and credit or debit card numbers to strangers who contact you by telephone, email, or any other means.
  • Be cautious when dealing with Craigslist. Best practice is to deal locally, face to face, and with cash transactions only.
  • If you are using online dating sites, be careful with people asking for financial help. Never give out personal or financial information, such as account or debit card numbers.
  • Be wary of work-from-home jobs or secret shopping jobs. No legitimate company will require you to wire or send off a portion of money.

Mobile Banking Security

Using a smartphone or tablet to manage your finances can be convenient and help you monitor your money from just about anywhere. At the same time, it’s also important to take steps to protect your mobile banking information. Here are some tips to help better protect you:

  • Be proactive in securing your mobile device. Consider locking your device with a strong password.
  • Never leave your phone unattended.
  • Never give out your mobile banking credentials, this includes for 3rd party mobile capture deposits.
  • Add mobile security software to your smartphone or tablet, if possible.
  • Log out of the mobile browser or mobile banking app when you’re not using it.
  • Keep sensitive personal information, bank account numbers, and passwords off your phone.
Please note that First Financial Credit Union will never solicit personal or private information via email, phone, or text messaging. If you receive any phone call, email, or text message asking for your personal information, please do not give out this information and contact our Member Resource Center immediately.