New Fraud Prevention Service - Effective date 6/8/16
In our continuing efforts to keep your accounts secure, we've improved our alert system for potential fraud.
Here's how it works:
- When potential fraud is detected, you will receive an automatic email notification from Horizons North Credit Union with the option to click on the "fraud" or "no fraud" hyperlink.
- One minute after the email, you will receive a text alert from 32874 between 7am and 9pm (local time zone), which also has the "fraud" or "no fraud" option. (*SEE BELOW)
- If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud. Phone calls will be between 8am and local cardholder time zone.
Remember – our messages will never ask for your PIN or account number.
As a reminder it it's important to make sure Horizons North Credit Union has your current contact information, including your physical address, telephone numbers, and email address. Please make sure that all of this information is up to date! It's easy... all you have to do is login to Online Banking, select the "Services" tab, and click "Continue" next to "Address Change". You can also update your information anytime when you're in the branch.
*The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it "Fraud Center," it will display whenever you get a call from this number
Important Debit Card Notice
Recently HNCU has seen an increase in debit card fraud locally and nationwide. As an extra added layer of security a PIN will be required at any of the following types of merchants:
• Discount , Grocery, Supermarkets - like Walmart, Target etc
• Drug Store, Pharmacies– like Rite Aid, CVS etc
• Variety Stores- like Dollar General
• Department Stores- like Macy’s
• Radio, Television & Stereo Stores- like Best Buy
• Home Supply Warehouse - like Home Depot, Lowes
• Hobby, Toy, Game Stores - like Toys R Us
• Wholesale- like BJ’s & Costco Wholesale
These types of merchants are where the majority of fraud occurs, and all these merchants have the ability to allow you to enter a PIN. Many already default to the “Debit” option and prompt you for your PIN. This list provides examples and is not all-inclusive, and locally owned stores are included, not just national chains. If you are at a store and your card gets declined as a Credit purchase, try it again and choose Debit purchase. We want to do all that we can to protect our members from Debit Card Fraud, these new features will help protect your account and your money.
Frequently Asked Questions
When does this go into effect?
I don’t know my PIN code.
You can select a new PIN by visiting the HNCU branch during lobby hours. Just go through the teller line and let the Member Service Representative know you need to re-PIN your card. You can also request we send you a random PIN code. Please call 303-451-1146 and we will send you the form to complete to request a new PIN.
Phone Scam Alert
We have been notified of members receiving calls stating their card has been deactivated. The member is being told to hold the line so that they may get the card reactivated. If the recipient of the call continues the scammers try to get personal identification information, such as checking account number, debit or credit card number, Social Security number, or date of birth from the caller. Please remember that HNCU will never ask for any account information, numbers, passwords, Social Security Number, via unsolicited phone call, email, text, social media request or any other method of communication. You should never give out personal information to an unknown person or 3rd party. When in doubt, always hang up and call HNCU directly at 303-451-1146.
Fraud Detection and Notification System
As part of our continuing effort to bring the best technology and service to our members, Horizons North Credit Union has upgraded our Fraud Detection and Notification System. The new system will provide more immediate attention to notify our members faster when debit card fraud is suspected. The notification portion of the system includes a state-of-the-art automated assistant to help our members review transactions and confirm their spending activity on debit cards.
If you receive a notification call from our automated assistant, whom we have nick-named Jill, please work with her to answer questions regarding recent card activity.
If suspicious transactions are identified as fraudulent, calls will be transferred to our outstanding member support team at Card Member Security to help you take the necessary precautions to protect your card(s) and related accounts. If the recent activity is legitimate, members will be able to close the case with the phone attendant using their touch-tone phone.
Jill will never ask for your card number or PIN#, that information is already on file.
If Jill is not able to reach you directly the system will leave a voicemail with a call back number (1.888.241.2440) to verify transactions on your debit card, or your card may be blocked for security reasons.
With new cases of fraud reported every day, it is important to protect yourself. Horizons North Credit Union wants to help ensure your accounts and identity remain safe.
Please click on the links below to guard yourself against other fraud threats.
Horizons North Credit Union is working to keep your accounts and your identity safe.
Attention: Some members have been affected by recent merchant breaches at various companies.
Due to recent merchant breaches at various companies customer names, payment card numbers, expiration dates, and CVV security codes may have been compromised. We monitor our members accounts and cancel any card that has been compromised. We apologize for any inconvenience created by these breaches.
If you feel your HNCU debit card has been compromised, please contact us immediately at 303-451-1146, so we can take the proper steps.
A data breach doesn't always involve credit or debit card information. In some cases a data breach will involve personal or medical information. It is recommended you check your credit periodically to ensure it actually reflects your accounts.
Learn more about how data breaches affect you and local credit unions by visiting StoptheDataBreaches.com
Click here to contact your local Member of Congress and ask them to take action and stop data breaches!
Following is a list some of some of the most recent data breaches. This is not a comprehensive list and there might be data breaches HNCU has not aware of.