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Security

Georgia United Is Safeguarding Your Information

Georgia United takes safeguarding your personal information seriously. Here are some of the parameters we have taken to safeguard your information.

  • Authentication: when you log on to your Online Banking account for the first time or from a device you have not logged on before, you will be asked to verify your identity.
  • Secured Socket Layer (SSL) Connection: when you access your online banking account and perform transactions, your activity is encrypted.
  • Timeout Session: If you are logged on to your online banking account and become inactive for a period of time, a timeout session trigger will automatically log you out. You will have to log back in to your online banking account to resume your activity.

Georgia United will NEVER initiate via call, text or email to ask for your social security number, account number, pin number and online banking password. When in doubt, hang up and call your local branch immediately. NEVER give away your personal information.

 

Here are a few key tips to avoid fraud:

  • Know how to identify suspicious requests
  • Call your local branch or our friendly Member Care Center if unsure about the legitimacy of the call
  • Check our emails about avoiding fraud situations
  • Be mindful of who calls you. If you don’t recognize the number, don’t pick it up.
  • Consider how you pay and make transactions. Is the message you received about the transaction the normal way you conduct your financial business?
  • Sign up for free scam alerts from the FTC at ftc.gov/scams.

It's especially important during these times that you take extra measures to protect yourself. While we monitor your accounts for suspicious activity, these are several ways you can help keep your finances and identity secure. For more fraud prevention tips, visit our Learning Center.


DEBIT AND CREDIT CARD FRAUD

Debit and credit card fraud occurs when information on your card is stolen to duplicate the card, conduct unauthorized transactions from the card or steal your identity.

 

What Should You Do?

If you suspect you are a victim of a debit or credit card fraud, contact Georgia United at 888.493.4328.

 

How to Spot a Scam

  • A proposition comes from out of the blue and from someone you do not know
  • Often the scheme revolves around a scenario involving a hardship situation, a secret shopper, an online ad or a job posting
  • You are sent a money order or cashier’s check for more than the amount that you are selling your merchandise or product for
  • You are instructed to deposit a money order or check and send or wire back the overpayment
  • The buyer does not show much interest in checking out the merchandise or product
  • You are requested to share sensitive banking information or open a new bank account
  • It sounds too good to be true

 

Money Order and Check Scams

  • The money order or check scam occurs when an overpayment counterfeit money order or check is sent to you with instructions for you to send or wire back the overpayment amount after you have deposited the counterfeit money order or check.

  • Once you have deposited the counterfeit money order or check and sent the overpayment amount, you will later be informed that the money order or check has bounced because it is fake and you are out of the overpayment amount you sent.

 

SOCIAL ENGINEERING

Social engineering is a scheme that uses human interaction to trick people into sharing sensitive information about themselves, someone they know, or an organization they are familiar with.

How to Recognize Social Engineering?

Social engineering commonly appears in the form of email, phone call, and even in person. Often the perpetrator will attempt to impersonate someone you know or an institution that you do business with to obtain sensitive information about yourself, someone you know or an organization you are familiar with.

What Should You Do?

  • Be suspicious of unsolicited emails and phone calls
  • Never share sensitive information to anyone you do not know or recognize
  • If you suspect someone of trying to use social engineering to impersonate Georgia United, please let us know by emailing us at security@gucu.org.

 

PHISHING SCAMS

We've become aware of a widespread scam targeting banks and credit unions nationwide using a common technique called phishing. The message encourages members to verify their personal information through a malicious link. This message is fraudulent and Georgia United is not associated with these emails. Please do not click on the link to respond and delete the message.

 

What is Phishing?

Phishing is a scam that is typically an email, phone call, or text message appearing to be from someone you know or an institution that you do business with, such as Georgia United. It will typically attempt to trick you into responding to the scam by replying to an email or clicking on a link in the message to obtain sensitive information about yourself or infect your computer with malware such as a virus. Phishing scams can look real. These communications are made to seem legitimate by using a Georgia United logo and an email address similar to ours.

 

How to Protect Yourself

  • Use caution when providing personal information. Georgia United will never contact you out of the blue to confirm your username, password, social security number, account number, PIN or other personal information.

  • Know how to identify suspicious requests. Check the use of website domains for misspellings or suspicious URLs. Georgia United safe URLs will always begin with "https" and include a closed lock icon.

 

What Should You Do?

If you think you have been a victim of a phishing scam, we're here to help. Call us at 888.493.4328 to verify that the communication was sent by us. If you receive a phishing email claiming to be from Georgia United, let us know by emailing us or forwarding the phishing email to security@gucu.org.