Security Center

Zelle® is a fast, private, and easy way to send and receive money with people you trust, like your sibling, friend, babysitter, coworkers, fellow PTA mom, or your son’s soccer coach. Whether you just enrolled with Zelle® or have been an active user for a while, there are a few tips you should always keep in mind to ensure you are being safe when sending money.   Only send money to those you know and trust  Money moves fast with Zelle®, directly from checking account to checking account in minutes,* so it’s important you know and trust the people you’re sending…

While cryptocurrency has been around for quite some time, what it is and how it is used as a currency remains a mystery in the minds of so many. However, as more governments around the world eye its potential or seek to regulate its usage, cryptocurrency continues to rise in popularity.  Unfortunately, anytime there is something new, especially in the financial world, it will attract bad actors. There are many features of crypto that make it the ideal currency for fraudsters. But as more people flock to the currency as an investment, it’s becoming the foundation for new scams.  In…

Keeping your financial accounts safe in today’s digital world is a growing challenge. Hackers are constantly coming up with new ways to gain access to your accounts through your computer and even your mobile devices. It’s important to remain proactive when it comes to protecting your finances. Here are some ways you can make sure you’re protected.  Add Antivirus Software  While you probably have antivirus software on your computer, did you know it can also add this layer of protection to your mobile devices? And since you likely use your mobile devices as often, if not more, than your computer,…

Scammers are always working on the next creative ploy to steal your personal information and hard-earned money. However, some scams have stood the test of time and continue to wreak havoc on the finances of unsuspecting victims. You may wonder how people continue to fall for these scams – the answer is a combination of fear and trust.   Fraudsters impersonating government agencies have higher credibility than traditional phishers or extended warranty schemes. Then, they add a touch of fear to the equation, and victims panic and start to comply with the scammers’ requests.   The best defense against any scam is…

With so much of our personal and professional lives conducted online, ensuring that our sensitive data remains secure is crucial. From shopping online to accessing medical records and completing job applications, we’re putting more of our lives online than we likely realize.  Your password is your first line of defense in stopping attacks and suspicious activities. A strong password ensures your sensitive information remains secure from vulnerabilities like cyber threats and data breaches. Whether you’re an online aficionado or a casual browser, understanding the importance of password protection is critical in safely navigating the digital landscape.     Why Do I…

As digital natives, Gen Z spends much of their time online—scrolling through social media, shopping, or simply staying connected. While the internet offers plenty of opportunities, it also comes with risks. Fraudsters are becoming more creative, targeting young users in new and sophisticated ways. Here are some of the most common types of fraud that Gen Z should be aware of:  1. Social Media Scams  Fraudsters often use social media platforms to spread scams, like fake giveaways or fraudulent investment opportunities. If a post claims you can double your money instantly or win high-value prizes just by sharing personal information—it’s…

AI has introduced exciting innovations, but it also fuels a new wave of sophisticated scams. Generative AI enables fraudsters to create highly realistic fake content, like audio and video imitations, making phishing and other scams harder to detect. This technology can replicate voices convincingly with minimal audio, even from short social media clips, posing risks for everyone.  To counter these threats, PEFCU emphasizes proactive education. Regular training helps our staff stay sharp against new tactics, and we urge members to stay alert. Here are a few essential tips:  Verify Every Request: Always confirm the identity of callers or message senders.…

As technology continues to grow and evolve, more and more of our lives move online. This trend also extends to our jobs, especially when it comes to searching for and applying for work. Unfortunately, this shift can lead to eager employment seekers unknowingly becoming targets of scams.   With the rise of online job searches and applications, there has also been a substantial increase in employment scams. Understanding how to spot these scams and knowing the steps you can take to prevent falling into fraudsters’ traps is essential.   Understanding Job Scams  A recent surge in employment scams has been circulating on…

Imagine logging into your account to make your monthly credit card bill, and you come face-to-face with a slew of charges you did not make or authorize. Unfortunately, fraud happens. Despite top-of-the-line security on your accounts and the best identity practices, criminals still find a way.   Your first reaction to fraudulent credit card charges might be panic, fear, or anger. While emotional reactions are natural, it’s time to act logically and work toward solving the problem. Knowing the proper steps to take in the aftermath of credit card fraud can minimize damage and prevent future incidents.     Understanding Credit Card…