Serving the needs of Northeast Tennessee since 1952
AND Bill Payment
"Pay" It Safe When Out and About
Whether you are running errands, or just out for fun, be vigilant about payment card safety. Follow these tips to help you avoid identity theft and card fraud when you are out.
Be extremely careful with your mobile phone or other device you use to make payments. Mobile payment services and financial apps link to your accounts and/or credit and debit cards. This technology offers great convenience, but is is not risk free.
Make sure that you:
- Never let your phone or device out of your sight.
- Use every available security feature and system.
- Keep your device's operating system and applications updated to get the latest security features.
- Choose hard-to-guess PINs and pass codes. Enter them unobserved, and do not save them to the device.
- Always sign out when finished with a transaction.
- Never use the autosave feature for login information.
- Keep a share eye on the person you are paying. Make sure that person isn't holding anything like a portable skimmer and that your card doesn't leave your sight. When you receive your card back, double check that it is your card and was not swapped for another.
- Insist on privacy when entering a PIN. Watch out for shoulder surfers.
- Check sales vouchers carefully before signing.
- Never leave a line blank on a receipt. Draw a squiggly line through any blank spaces to prevent an unwanted amount being added.
- Be sure the transaction is complete before you walk or drive away from an ATM machine.
- Always take card sales receipts or ATM transaction slips. Never toss them carelessly away near the sales or ATM terminal or leave them dangling from a receipt printer. Save them to compare against account statements. Shred them when no longer needed.
- When eating at a restaurant, ask to pay your bill up front at the sales terminal instead of giving your card to a server.
- Consider using RFID-blocking card carriers and protectors. RFID stands for Radio Frequency IDentification. It is one of the technologies that allow digital information to be stored on payment cards and other items. Tiny radio frequency tags hold information (like bar codes and magnetic strips do). Identity thieves with RFID-skimming devices can scan, read and capture information from payment cards embedded with RFID tags just be being near them.
Lost VISA Debit Card: 1-800-472-3272, then call us at 423-547-1200
Lost VISA Credit Card: 1-800-558-3424, then call us at 423-547-1200
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Your shares are insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF), an arm of the National Credit Union Association.