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Fraud and Cyber Security

It can happen to anyone. Criminals are becoming more sophisticated, using the latest trends and technologies to defraud Canadians.

Discover a few simple ways to protect yourself by improving the confidentiality and security of your personal information. To protect yourself, you need to be aware as well as proactive. Here are a few simple ways you can protect yourself by improving the confidentiality and security of your personal information.

Be Fraud Smart Brochure

Protect your identity


WHAT IS IDENTITY THEFT?

Identity theft begins when someone obtains your personal information such as your driver’s license, date of birth, health card number, SIN card number, online passwords, credit card number or your card’s Personal Identification Number (PIN).

With a few pieces of personal information they can begin to make financial transactions in your name. They might open a new credit card account, take out a car loan or mortgage your home. You probably won’t realize what has happened until it’s too late and your credit rating is affected.


PROTECT YOUR IDENTITY

CheckMarkBlueMini Don’t carry your SIN card or birth certificate with you. Keep them in a safe place.
CheckMarkBlueMini Check your credit report at least once a year to look for any credit inquiries or changes you have not authorized.
CheckMarkBlueMini Be suspicious of any email that asks for personal or account information.
CheckMarkBlueMini Don’t overshare on social media. Scammers can use your birth date and other personal information to steal your identity.
CheckMarkBlueMini Shred mail with your address on it.

Protect
your payment cards


Canadians are one of the biggest users of debit cards, credit cards and ATMs in the world. And while INTERAC® services are among the most secure in the world, debit card fraud does occur.

Take these steps to protect yourself:

  • When you receive a new debit or credit card, sign it right away.
  • Avoid choosing an obvious PIN, such as your phone number or date of birth.
  • Carry only the cards you use most often and leave any others at home in a safe place.
  • Frequently check your accounts and monthly statements and notify your Caisse Financial Group branch if you see any unfamiliar transactions.
  • Notify your Caisse Financial Group branch if you are unable to retrieve your card from an ATM or if someone tries to distract you while using one.
  • Be PIN smart.
    • Change your PIN at least twice a year.
    • Shield your PIN with your hand, body or a piece of paper.
    • Keep your card insight when conducting a transaction.
    • Memorize your PIN.
    • Don’t disclose your PIN to anyone.
    • Change your PIN after traveling.
    • Where possible, tap your card when making purchases.

WATCH FOR SKIMMING DEVICES

Card skimming occurs when a criminal attaches a device to a credit or debit card reader to collect data from the card.

If the ATM or point of sale device looks like it’s been tampered with don’t insert your card or enter your PIN.


CAISSE HELPS PROTECT YOU

Credit unions and Caisses populaires work actively to detect and investigate irregular account activity. Your member debit and credit cards contain the minimum information needed to securely make a transaction.

Canadian credit unions and Caisses populaires adhere to the Canadian Code of Practice for Consumer Debit Card Services which protects card holders from losses should their card be used fraudulently. For more information go to Government of Canada – Protecting financial consumers and merchants.

If you lose your debit card or credit card, or you suspect someone has created a duplicate card, let your Caisse Financial Group branch know immediately. Refer to your cardholder agreement for further details on liability.

Online &
Mobile Security


WHAT IS PHISHING?

Cybercriminals have become expert at luring people in with their emails, often impersonating well-known companies, banks and even government agencies. They may ask you to confirm your account information or log in to your account. If you take the bait, they’ve stolen your personal information.


COMMON ONLINE SCAMS

• Email Scams
• Phishing
• Brand spoofing (emails with fraudulent sender addresses)
• CRA Scams


REDUCE THE RISKS

Life is just a little easier when you use your computer and mobile devices to get things done online. But there are a few simple and sensible things you should do to protect yourself against risks.

  • Change your passwords regularly.
  • Don’t use the same password for everything.
  • Do not use public wifi to access online or mobile banking.
  • Do not stay signed into financial apps.
  • Never click to accept an e-transfer from someone you do not know.
  • Delete suspicious texts.
  • Report your lost or stolen device to your carrier so they can disable your account to prevent calls, texts, and data use. Report your lost or stolen device to local law enforcement.
  • Install anti-virus software to protect your data from viruses and malware. Apply security updates as soon as you receive them.
  • Install anti-spyware software to keep others from gathering information about your online habits or making unauthorized changes to your computer.
  • Implement a firewall to prevent unauthorized access.
  • Never click on a banner ad or pop-up window that says Agree, OK or I accept.
  • If an email looks suspicious, stop before you click.
    • Look carefully at what it claims and think about whether it makes sense.
    • Check the branding, language and spelling to judge whether it seems legitimate.
    • Call the company and make sure the email came from them.
    • Remember that Caisse Financial Group will never email to confirm your personal information.
    • Consider reporting phishing to the Government of Canada Spam Reporting Centre at spam@fightspam.gc.ca. Report additional specifics such as resulting malware infection online at the Government of Canada Spam Reporting Centre.

BANK ONLINE WITH CONFIDENCE

Your Caisse uses a variety of security measures to protect your financial information when banking online.

Special encryption software scrambles your information to make sure it cannot be read or changed while being transmitted.

Learn more


The following organisations can give you more information about the security of your personal information.

Canadian Anti-Fraud Centre
1-888-495-8501
antifraudcentre.ca

Competition Bureau of Canada
1-800-348-5358
competitionbureau.gc.ca

The Little Black Book of Scams
competitionbureau.gc.ca/blackbook

Government of Canada (Public Safety Canada)
resources on Identity Theft
publicsafety.gc.ca

Major Credit Bureaus
Equifax Canada
To order your credit report or to report identify theft:
1-800-465-7166
consumer.equifax.ca

TransUnion
1-800-663-9980
transunion.ca

FAQ


WHAT IS IDENTITY THEFT?

Identity theft begins when someone obtains your personal information such as your driver’s license, date of birth, health card number, SIN card number, online passwords, credit card number or your card’s Personal Identification Number (PIN).

With a few pieces of personal information they can begin to make financial transactions in your name. They might open a new credit card account, take out a car loan or mortgage your home. You probably won’t realize what has happened until it’s too late and your credit rating is affected.


WHAT IS PHISHING?

Cybercriminals have become expert at luring people in with their emails, often impersonating well-known companies, banks and even government agencies. They may ask you to confirm your account information or log in to your account. If you take the bait, they’ve stolen your personal information.

Need Help?


WHAT TO DO IF IT HAPPENS TO YOU?

Acting quickly can minimize the damage and help prevent further fraud or theft.

Contact your Caisse Financial Group branch immediately:

  • If you suspect that someone knows the Personal Identification Number (PIN) of your Debit Card or e-Caisse
  • If you believe there are errors or omissions in your account
  • To notify of any loss, theft, misuse or unauthorized use of your debit card
  • If you are unable to retrieve your card from an ATM or if someone tries to distract you while using one
  • If you suspect fraud or identity theft.
    1. Notify your Caisse Financial Group branch immediately. They can provide advice on how to limit access to your credit card or financial accounts and investments.
    2. Call the police and file a report. Keep a copy of the report for your records.
    3. Change your PIN and passwords immediately.
    4. Keep a list of the people you speak to when reporting a fraud, recording all dates, names, phone numbers and what was said.

CheckMarkBlueMini If you lose your debit card or credit card, or you suspect someone has created a duplicate card, let your Caisse Financial Group branch know immediately.

CheckMarkBlueMini If the ATM or point of sale device looks like it’s been tampered with don’t insert your card or enter your PIN.

CheckMarkBlueMini Report your lost or stolen device to your carrier so they can disable your account to prevent calls, texts, and data use. Report your lost or stolen device to local law enforcement.


REPORT LOSS, THEFT OR FRAUD