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Protect Your Information

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Unfortunately, fraud is an ever present and increasing reality of the world we live in. Each day at MMFCU we are making a difference in the fight against scammers by
    • preventing fraud from occurring,
    • identifying it when it is happening,
    • helping our member owners who have fallen victim, and
    • reporting fraud when it occurs.
We want to remind you NOT to provide account information over the phone or click on links included in emails or texts you were not expecting.

Never provide your financial information such as debit and credit card account number or online banking information, unless you have initiated the phone call or purchase. Scammers are using words and phone numbers to mimic people and places that you trust, like your credit union.

MMFCU will never ask for your account number if we call you. We will not ask for any personal information via telephone or email that you, the member, has not initiated. If you are unsure if a phone call, email or text is legitimate, call us at (218) 829-0371. After hours, you can call 1-866-820-8776, 24/7 for help with MMFCU Debit or Credit Cards. Do not return calls via a phone number provided by the “in-question” call, email or text.
 
If you think you have been a victim of fraud, or would like more tips to keep yourself protected, check out our Fraud Checklist.

 

 

Steps to Assist in Preventing Identity Theft


Cartoon image of cyber criminal
Mid Minnesota Federal Credit Union takes your personal financial security very seriously. Please remember, do not provide account information or click on links included in emails or texts you were not expecting.

No one can guarantee that your identity will not be stolen, but here are some basic steps you can take to protect yourself.

• Consider a “junk” email address.
   Have one for signing up for mailings or ordering products     online. It reduces the odds of your friends getting spam         or malicious emails should your email get breached.
• Monitor your bank statements and credit card statements regularly.
• Monitor your credit score for free through MMFCU's online and mobile banking and review           your credit report (at a minimum) once a year at: www.annualcreditreport.com
• Review your healthcare insurance benefit statements to assure the charges are for                         procedures or products you or family members have had.
• Buy a cross-cut type shredder.
Shred all financial information such as: bank statements, credit card receipts, pre-approved credit applications, etc.
• Be careful of “Dumpster Diving”.
This is still one of the major ways criminals get your information.
• Never provide your financial or credit card account number.
Unless you have initiated the purchase or the phone call, you should not provide your financial or credit card account numbers to anyone. Your financial institution will never ask you for your account number if they called YOU!
• Be watchful when using your PIN number at ATM’s or merchant keypads.
• Get checks directly deposited into your bank account (ie. Social Security, paychecks, etc)
• Empty your wallet of extras.
Remove your social security card and credit cards you do not use often. And, carry your birth certificate and passport only when necessary.
• Keep an emergency list.
Make a list of all your financial account numbers and credit card accounts and put it in a safe location; such as a safety deposit box at your financial institution.

MMFCU will not ask for any personal information via telephone or email that you, the member, has not initiated. If you are unsure if a phone call, email or text is legitimate, call your local MMFCU Office. Do not return calls via a phone number provided by the "in-question" call, email or text. 
 
For more information on how to protect your identity go to: www.usa.gov/identity-theft
 
 
Learn more about how to keep yourself safe and secure when it comes to technology today. This 19-minute video is a collaborative effort with Bridges Career Academies and Workplace Connection.
 
 
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