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Rates as of 10/18/17

"*APR = Annual Percentage Rate
Fraud Alert: Equifax Breach

Credit reporting agency, Equifax Inc, recently announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company's investigation, the unauthorized access occurred from mid-May through July 2017. The company has found no evidence of unauthorized activity on Equifax's core consumer or commercial credit reporting databases.

As a result, Equifax has established a dedicated website, www.equifaxsecurity2017.com, to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection. The offering, called TrustedID Premier, includes 3-Bureau credit monitoring of Equifax, Experian and TransUnion credit reports; copies of Equifax credit reports; the ability to lock and unlock Equifax credit reports; identity theft insurance; and Internet scanning for Social Security numbers - all complimentary to U.S. consumers for one year.

Fraud Blocks

For your protection, there are lists of 'high risk' countries where ViaCU credit and debit cards are not accepted.

View list of countries that do not accept the ViaVISA® Credit Cards.

View list of countries that do not accept the MasterCard® Debit Cards.

In addition, when ViaCU is notified of card disputes, we have the ability to completely "shut down" countries or states where fraudulent activity is happening. We also have the option to modify dollar amounts and/or restrict signature based transaction so only PIN (personal identification number) based transactions are accepted.

Before traveling, please contact ViaCU with your travel dates and if possible provide a mobile number that you will have with you. Without notification of travel, your card may be blocked when transactions outside your normal spending habits are identified.

What to do if you're part of a data breach:

Any time there is a data breach for a company there is a call for concern. Therefore, ViaCU would like to remind you of steps to take to protect yourself if you've been affected by a breach, such as Anthem.
  • Accept credit monitoring services often offered by the company that has been breached immediately.
  • Call one of the credit bureaus and put a "Fraud/Security Alert" on your SSN. You only need to call one, by law they are required to contact the other two to ensure they also set up a fraud watch on your behalf. It is free, but only lasts for 90 days, so set a reminder to have it refreshed.
    • Equifax: 1-800-349-9960
    • Experian: 1-888-397-3742
    • TransUnion: 1-888-909-8872
    • Innovis: 1-800-540-2505
  • Get a free credit report every 4 months. Each credit bureau is required to provide a free credit report once a year. So stagger each of the three so you can spot any fraud. Visit www.annualcreditreport.com to get started.
  • Watch for phishing scams; emails designed to look like they are from the breached company that attempt to get you to click on a link, download a file or enter login credentials. The criminals will attempt to deliver malware that can have a number of different effects.
  • Watch for a noticeable increase in credit card offers. If someone attempts to get a credit card in your name, that information is picked up by all the credit card companies and they will send you offers.
Credit and Debit Card Fraud

Target, Michael's, Home Depot, Dairy Queen, Kmart. In less than a year, cardholders have received news that these major retailers/restaurants have suffered a breach. As a result, millions of cardholders have had to replace their debit and credit cards.

Who are these criminals? They are a sophisticated group of criminals from overseas. They use high tech systems to steal data and manufacture new cards.

What ViaCU is doing to protect our members:

Replacement Cards

Once ViaCU is notified of fraud on your account, you will be contacted and a replacement card is ordered. We want to ensure you receive your replacement card as soon as possible, however our plastic supplier is also the provider of cards for other financial institutions that are also affected by fraud.

We thank you for your patience as your card is being replaced. We sincerely apologize for an inconvenience this may cause you. Please be assured that your financial security is our priority!