Don't be a victim of identity theft

All of us are online for several hours a day, shopping, socializing and managing our money. Learn how to protect your identity and personal information so you and your finances aren't damaged by identity theft. Here's some information that can help. You can also find additional resources here >  FTC Consumer Protection

Privacy Policy

Credit Card Fraud

Online Practices

Fraudsters' scams can be clever, but if you know how they work, you can avoid them. Here are a few ways identity thieves try to get your information and what you can do to protect yourself. Phishing is an email scam that tries to trick you into revealing personal information. Most phishing starts with an email that links to a fake website that looks like the real thing with familiar logos and graphics. When you enter your information on such sites, it's routed to fraudsters. Black Hills Federal Credit Union will never ask for your personal information via email.

When you're online:
 
  • Keep current with your software and virus protection.
    • Internet threats constantly evolve, updates protect you from new threats and increase your overall online security.
  • Create strong passwords that utilize capital and lowercase letters, numbers and special characters, if that’s an option.
    • If you need a reminder, write those passwords down and keep them stored in a safe place. Also, consider changing those passwords every couple months.
  • Don't log in from a public place.
    • Consider public Wi-Fi unsafe. Avoid logging in to social accounts, emails, credit union and bank accounts when using public Wi-Fi at a coffee shop or airport.
  • Don't allow someone else to log in to your computer.
    • Internet threats constantly evolve, updates protect you from new threats and increase your overall online security.
  • Create strong passwords that utilize capital and lowercase letters, numbers and special characters, if that's an option.
    • Companies that contact you to fix a computer "problem" might not be looking out for your best interest. Be sure you know who you're dealing with before you grant access to your computer or other personal information.
  • Ignore emails from senders you do not know.
    • Do not open attachment files from emails you don’t know. Opening those emails and files can potentially infect you computer.
  • Use the pop-up blocker on your browser.
    • Internet pop-up blockers protect you from malicious activity that is often hidden behind or initiated by pop-up windows.
  • Question all email requests for personal information.
    • Most reputable companies will never ask for things like your Social Security number, credit card number or PIN via email.
  • Do not respond to such emails or enter information on questionable websites.
    • Regardless of how professional the email or website appears, chances are they are not who they claim to be. Check the legitimacy of the inquiry by contacting us at 718.1818, or dial the number on the back of your card.
  • Report suspicious emails or websites to Black Hills Federal Credit Union.
​Keep an eye on your accounts:
 
  • Check your accounts daily.
    • Log in to BHFCU's Online Banking or Mobile App and verify all transactions.
  • Send account updates to your cellphone or inbox.
    • Set up balance and transaction alerts and receive emails and text messages on a regular basis.
  • Monitor your credit report.
    • By law, you’re entitled to a free report every year. Scan it for abnormal activity—like accounts or credit cards you didn’t open.
  • Receive your BHFCU statements electronically.
    • Avoid the possibility of your information ending up in the wrong hands altogether by opting for eStatements, and review your statements in Online Banking.
  • Shred sensitive documents.
    • Regularly shred outdated credit union statements, credit card applications, bills and anything containing personal information before dropping it in the trash or recycling.
  • Call us.
    • If you ever see transactions you do not recognize, call our Contact Center at 718.1818 or after-hours, visit Contact Us for phone numbers to block your card.

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