Scam Alerts

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

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.


Anthem has announced that their database that contained up to 80 million customer records was
compromised. At this time they have stated there is no evidence that credit card or medical information was
compromised. For more information please visit

Home Depot

Home Depot announced a card data compromise at its US stores beginning sometime in April through September of 2014. The breach affected all cards used in stores, including Home Depot store brand cards and major card brands such as Visa and MasterCard. To learn more, please visit Home Depot's Announcement.

Dairy Queen International

Credit and debit card information from 395 Dairy Queen and Orange Julius stores was compromised by the Backoff malware attack. For more information about this breach please visit Dairy Queen's site.

Goodwill Industries International

In the period beginning February 2013 through August 2014, information for roughly 868,000 credit and debit cards was reportedly stolen from 330 Goodwill stores. Malware infected the chain store through software provided by third-party vendors. Goodwill Industries has updated information on their site.

Jimmy John's

In late September, sandwich shop chain Jimmy John's confirmed that 216 stores had been compromised and customer debit and credit card information had been accessed. The breach took place between June 16 and September 5. Hackers obtained the account numbers on these cards, and may have access to the cardholder name, verification number and/or expiration date. The breach did not affect any cards used in any online order or a transaction where the card number was entered manually.

Michael's/ Aaron Brothers

From May 2013 until January 2014, the payment cards of 2.6 million Michael's customers were affected. Attackers targeted the Michael's Point of Sale terminal system to gain access to their systems. Visit Michael's site for more information about their data breach.

Neiman Marcus

Between July and October 2013, the credit card information of 350,000 individuals was stolen, and more than 9,000 of the credit cards have been used fraudulently since the attack. Please visit Neiman Marcus' site for more information.

P.F. Chang's

In June, P.F. Chang's China Bistro reported a security breach that affected customers at 33 restaurants located in
16 states. From October 19, 2013 to June 11, 2014 data from certain credit and debit cards that were used may
have been compromised. The potentially stolen credit and debit card data included the card number and, in
some cases, the cardholder's name and/or the card's expiration date. Visit P.F. Chang's site for updated

Sally Beauty

In March of 2014 it was determined that Sally Beauty stores had an unauthorized intrusion into the Sally Beauty Supply LLC network. They discovered evidence that payment card data may have been illegally accessed earlier in the year. For more information visit their FAQ page.


Staples acknowledged in December 2014 that a credit card breach took place in 119 stores between April and September of that year. The malware intrusion may have resulted in the theft of as many as 1.16 million customer credit and debit cards. Visit the Staples site for more information.


This breach only affects customers who shopped at Target stores between Nov. 27 and Dec. 15, 2013 and not customers who shopped online at For more information, FAQ's and latest news, please visit Target's Response page.

Svpeng and Dyreza targeting Android devices!

While HNCU does not have any reason to believe our mobile app is at risk from Svpeng or Dyreza, we take security issues very seriously and understand that you do too. 


What is Svpeng?

Svpeng is a new malicious malware, ransomware app for Android devices. Svpeng searches for specific mobile banking apps on the device, then locks the device and demands money to unlock it. In the U.S., Svpeng breaks into a mobile device through a social engineering campaign using text messages.

Svpeng capabilities include:

  • Spoofing legitimate banking applications
  • Stealing personal banking information
  • Capturing user input, including passwords
  • Sending SMS messages to premium numbers without user's knowledge resulting in charges
  • Stealing SMS messages
  • Stealing contact information and pictures
  • Tracking user location

What is Dyreza?

Dyreza or "Dyre" is a new family of banking malware that redirects the traffic to malicious servers, while end users think they have a secure connection with their legitimate online banking site.

Dyreza is spread through spam e-mail messages such as "Your FED TAX payment ID [random number]" and "RE: Invoice #[random number]." These messages contain a ".zip" file often hosted on legitimate domains, to minimize suspicion.

Opening this file infects the computer with the malware. Using a technique called "browser hooking" Dyrezea views unencrypted web traffic in the Internet Explorer, Chrome and Firefox browsers and captures an end user's credentials by sending the user to malicious servers, while the end user thinks they are securely connected to their financial institution's legitimate website.

Is my iPhone vulnerable to Svpeng and Dyreza?

iPhones and Android devices use different operating systems. Svpeng specifically targets the Android operating system. Dyreza does not target mobile devices; it exploits Internet Explorer, Chrome and Firefox browsers.

How can my end users protect themselves against threats like Svpeng and Dyreza?

  • Installing an antivirus app and keeping it updated
  • Avoiding installing Android apps from third-party websites or unreliable sources
  • Reading the permissions requested by every application before installing
  • Performing regular backup of data stored in Android devices
  • Protecting devices with a password
  • Not viewing or sharing personal information over a public Wi-Fi network

How to Avoid Scams

Please watch one of the educational videos below to learn more about potential and how to protect yourself.

Fraud Prevention Videos

Simple Tips For Keeping Your Personal Information Safe

To help educate our members, we have five short videos available that address keeping your personal information secure.

Videos use Adobe Flash, download the most recent version of Adobe Flash Player.

Identity Theft Resources

Click here to learn about ways to protect your identity.

809 Area Code Scam

Members have received text alerts/phone calls asking them to verify their account information. HNCU will NEVER ask you to update or verify your personal or account information through an unsolicited phone call, text message or e-mail. Please call us at 303-451-1146 if you have any questions or have received and responded to a text message or automated call.

809 Area Code Scam

Be cautious when responding to e-mails or phone calls from the 809, 284 or 876 area codes.


Fraudsters / pranksters are getting people to call someone at these area codes by telling you that it is information about a family member who has been ill or to tell you someone has been arrested, died, or to let you know you have won a wonderful prize, etc.

Click here to learn more about the 809 Area Code Scam 


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