Simple Steps to Protect Your Information
Personally Identifying Information to Protect:
- Account numbers
- Credit card information
- Social security number
- Mother’s maiden name
- Personal Identification Number (PIN) or password
Protect Your Information At Home:
- Review all account statements as quickly as possible after receiving them. Report any unauthorized activity to the sender of the statement. If you do not receive your billing statement on time, contact your creditor.
- Shred unnecessary receipts, documents, and statements each month before discarding them.
- Store all financial documents (checks, tax records, any item with personal identifying information on it) securely.
- Shred unwanted credit offers and solicitations before discarding.
- Keep your ATM, debit card, and credit card PINs in a safe place. NEVER write them on the card, never store them with the card, and never share them with an unauthorized user.
- Do not disclose account numbers or personal financial information over the phone unless you initiated the call.
- Do not mail bill payments from your mailbox with flag raised. This sends a signal to check fraudsters that you may have checks (which they can steal and alter) in the box.
- If you plan to be away from home and can’t pick up your mail, contact your Post Office and request that your mail be held until you return.
- At least annually, order a copy of your credit report from the three major credit bureaus. Review for any unauthorized activity and immediately report discrepancies to the bureau.
- IMMEDIATELY report lost/stolen checks and ATM/debit/credit cards to your financial institutions and file a police report on stolen items –especially stolen identification.
- Teach your children never to give financial information to callers, and teach them how to spot phony calls.
- Only give out your social security number when absolutely necessary. Some businesses may ask for it as an identifier but aren’t required to obtain it. (Your financial institutions are required to obtain your SSN.)
- Do not have your social security number printed on either your driver’s license or your checks.
Protect Your Information In Public:
- Do not carry an excessive number of items that contain identification information. Carry only the cards you actually need.
- Try to be alert and aware of your surroundings. Thieves and fraudsters look for someone who is too caught up in their activity to notice suspicious behavior.
- Store your receipts in your wallet or purse when you shop, not in the bags with your purchases. Then secure them at home until they are no longer needed.
- Do not use an ATM if it appears to have extra equipment added on to it or appears to have anything on it that does not belong. Information thieves may place a plastic “sleeve” over the card slot, or add on an extra “box.” or even place a sign on the machine telling you to use the extra box because the usual card slot is “out of order.”
- Try not to leave your debit/credit card receipt lying on your table at restaurants. Hand it to your server instead.
Form pertaining to Debit Card Fraud:
Transaction Report Form
This form is used when there have been unauthorized transactions on your account using your Debit Card. Please list each merchant, amount, and date of transaction and return to the Credit Union’s Fraud Specialist. You may fax the form to 615-780-7711 or mail it to P.O. Box 22881, Nashville, TN, 37202-2881. The Credit Union's Fraud Specialist will contact you once the form has been received, or you may call 1-800-622-2535 Ext. 7728. You may also return the form to your local branch.
You will also need to report your Debit Card as lost or stolen to PSCU, our card processor. They are available 24 hours a day at 1-800-449-7728.
What to do if Your Identity is Stolen
Protect Your Financial Information
Site Links for More Information About Fraud:
What to do if you replied to a fraudulent email:
If you have replied to a phish email and provided confidential information to the scammer, please contact the nearest branch location so that The Tennessee Credit Union can take steps to help you protect your Credit Union account. If you provided information about any account you have with another credit union, you must contact them to safeguard that account.