Safety Tips from SC Telco

SC Telco Federal Credit Union will not ask for personal information such as online credentials, account numbers, or card numbers through email, voice, or text messaging. If you have concerns that your personal information may have been compromised, please contact us immediately.

Cyber Security

Scam Alert – IRS Warns of New Tax Bill Scam

November 17, 2016
by Seena Gressin
Attorney, Division of Consumer & Business Education, FTC

There are red-flag warnings that can help you avoid becoming a victim.  For example, the IRS will never:

  • Initiate contact with you by email or through social media.
  • Ask you to pay using a gift card, pre-paid debit card, or wire transfer.
  • Request personal or financial information by email, text or social media.
  • Threaten to immediately have you arrested or deported for not paying.

In the new scam, the fake CP2000 notices often arrive as an attachment to an email–a red flag–or by US mail.  Other telltale signs of this fraud:

  • There may be a “payment” link within the email.  Scam emails can link you to sites that steal your personal information, take your money, or infect your computer with malware.  Don’t click on the link.
  • The notices request that a check be made out to “I.R.S.” Real CP2000s ask taxpayers to make their checks out to “United States Treasury” if they agree they owe taxes.

Tips for Safe Online Shopping & Banking

  • Ensure a site is secure and reputable before providing your credit card number online.
  • Don’t trust a site just because it claims to be secure.
  • If purchasing merchandise, ensure it is from a reputable source.
  • Promptly reconcile credit card statements to avoid unauthorized charges.
  • Do your research to ensure legitimacy of the individual or company.
  • Beware of providing credit card information when requested through unsolicited emails.
  • Never throw away credit card or banking statements in usable form.
  • Be aware of missed bills which could indicate your account has been taken over.
  • Be cautious of scams requiring you to provide your personal information.
  • Never give your credit card number over the phone unless you make the call.
  • Report unauthorized transactions to your credit union or credit card company as soon as possible.
  • Monitor your credit statements monthly for any fraudulent activity.
  • Review a copy of your credit report at least once a year.
  • Be suspicious of any unsolicited email requesting personal information.
  • Avoid filling out forms in email messages that ask for personal information.
  • Always compare the link in the email to the link that you are actually directed to.
  • Log on to the official website, instead of “linking” to it from an unsolicited email.
  • Contact the actual business that supposedly sent the email to verify if the email is genuine.
  • Never open or respond to spam, as this tells the sender that it is a “live” email address.
  • Have a primary and secondary email address – one for people you know and one for all other purposes.
  • Avoid giving out your email address unless you know how it will be used.
  • Never purchase anything advertised through an unsolicited email.


Tips for Safe & Secure Mobile Banking

SC Telco Mobile Banking is safe and convenient with state-of-the-art security measures including encryption, firewalls and secure logins. Mobile banking can be used several different ways and each one has a unique set of tips to follow for complete security. Follow these general guidelines to ensure the highest level of safety for all 3 types of mobile banking:

  • Avoid making your personal information readily accessible. Don’t share your username or password with anyone or save it on your phone
  • Password-protect your phone so others cannot access your information if it is lost or stolen
  • Disable your phone immediately if your phone is lost or stolen and change your MoneyLink Online password from a computer as soon as possible
  • Monitor your accounts on a regular basis.


Mobile banking security when using SMS (Text Banking)

SMS, or text banking, is the quickest and easiest way to look up your balance and recent transactions. To increase your mobile banking security while using SMS, never send personal account information over a text message. Once set up, all you will need to send are short code commands. SC Telco will never ask for account information from you via a text message.

Mobile banking security when using a Mobile Web Browser

Many people use mobile web browsers via smartphones and tablets to handle their banking. Most mobile web browsers have standard site encryption built in to protect your mobile banking security. For added security:

  • Log out and close your browser when you are not using the internet on your phone or tablet
  • Set up daily alerts to track account activity. This is a great way to detect fraudulent activity on your account
  • Use secure, encrypted websites for all financial transactions on your mobile device
  • Never give your password or account number on a site you are unsure about
  • Do not use public Wi-Fi when logging into mobile or online banking, if possible.

Mobile banking security when using a Mobile Banking App

Mobile banking apps are the ideal way to access your accounts from a mobile phone. These applications link directly to SC Telco’s systems, making them faster and easier to use. For the highest level of security:

  • Log out of the mobile banking application as soon as you are finished
  • Check your application store regularly for application updates.

SC Telco is not for profit or charity; we’re for service.