Holiday Fraud 2022

Phishing and Smishing
The holiday shopping season is in full swing, and there are specific points to consider as we try to protect ourselves from becoming a victim of fraud.
Before the Purchase:

Retailers will encourage shopping via email and text, offering discount codes and sale prices.
Fraudsters will use phishing (email) and smishing (SMS/text) tactics to pose as legitimate retailers. Clicking on these links will put your information and money at risk.
After the Purchase:

Consumers will start returning purchases, many relying on technology to initiate and track those returns.
fake emails

Fraudsters will continue to pose as legitimate retailers by sending links to expedite your return, print labels, etc.

Here’s What to Do:
Never click an email from senders you don't recognize

Never click a link or open an email from senders you don’t recognize.
Read carefully

Read each email and text carefully. Is everything spelled correctly? Is it logical? Were you expecting it?
Companies won't send links to take a survey for money

Remember companies won’t text you links to take a survey for money.
Questions or concerns about fraud? Call us at 845.336.4444 and a Member Service Representative will be happy to help.

5 Tips for Protecting Your Information and Money


Be Alert

Many phone and email scams try to get you to share personal information. If you did not initiate the call or the email is from an unknown source or seems suspicious do not provide any information.


Safeguard Your Information

Never share account information or passwords. Be sure to log out after each use. Create strong passwords and change them periodically.


Monitor Your Accounts

Review your bank and credit card statements regularly and request and review your free credit report annually. Set up alerts to notify you of irregular activity.


Protect Your Electronic Device

Make sure your computer, tablet and phone have up-to-date software and antivirus and malware protection.


Take Action

If you notice any suspicious activity, notify us and any other applicable parties as soon as possible.


Here's some tips and best practices from leading experts and government resources:

Phishing Scams

Phishing Scams
Learn how you can protect yourself from scammers using email or text messages to try and trick you. 
Online Security

Online Security
Learn steps you can take to protect your computer and your information. 
Your Privacy

Your Privacy 
Learn how you can protect your privacy online and in mobile apps. 
Identity Theft

Identity Theft
Discover things you can do to reduce your risk of identity theft. 


You want to keep your debit card (and your accounts) safe from fraud, right? Here are some tips you probably won’t hear anywhere else.
Identity Theft Guide

Protect Yourself From Identity Theft

Download our free guide, “The Basics of Identity Theft”, to learn more about identity theft and discover ways to protect your personal and account information.

Have More Questions?