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Routing Number: 263181384

Security Center

At Addition Financial, safeguarding your personal and financial information is a top priority. Our Security Center offers valuable resources to help you stay informed about identity theft, fraud prevention, phishing, and card safety. Explore expert tips, detailed guides, and exclusive security education courses to protect yourself and your accounts. Stay vigilant and secure with the tools and knowledge you need.

Report ID Theft

If you confirmed that you are the victim of fraud, you should complete the following steps:

  • Contact the fraud department of each credit bureau to place a "fraud alert" on your credit report.
  • Request a victim's statement that asks creditors to contact you prior to opening new accounts or making changes to any existing accounts.
  • Report your identity theft with the Federal Trade Commission
  • Follow the FTC guide on recovering from ID theft
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
To order your report: 800-685-1111
To report fraud: 888-766-0008
TDD: 866-478-0030
TransUnion
Fraud Victim Assistance
P.O. Box 2000
Chester, PA 19016-2000
To order your report: 800-888-4213
To report fraud: 800-680-7289
Experian
P.O. Box 4500
Allen, TX 75013
To order your report: 888-EXPERIAN (397-3742)
To report fraud: 888-EXPERIAN (397-3742)
TDD: 800-972-0322


Prevent ID Theft

One of the best ways to prevent ID theft is to place a freeze your credit report. Even if you haven't experienced ID theft, there are many reasons to place a freeze so no activity can take place on your report without your knowledge. For example, anyone who handles monetary operations for an organization should consider freezing their own credit. It will also stop unsolicited offers of credit, since no one can pull your credit report while the freeze is in effect.


Each credit bureau offers instructions for placing a credit freeze. It's best to do so at all three bureaus. You can unfreeze anytime you need to apply for more credit.

  • Equifax credit freeze
  • Experian credit freeze
  • TransUnion credit freeze

 

Request Free Credit Report

If you suspect that you are the target or victim of ID theft you should review your free credit report to ensure there are no issues. You can do so once a year through the Annual Credit Report Request Service from each of the three credit bureaus:
  1. Equifax
  2. Experian
  3. TransUnion
You can request your credit report through the Annual Credit Report Request Service in three ways:
  1. Online
  2. Phone
  3. Mail
Addition Financial is proud of the personalized and positive banking experience we provide our membership. Unfortunately, scammers are leveraging various communication channels – including phone calls and SMS text messages – that we use to provide this experience to pretend to be Addition Financial Contact Center representatives. They ask questions under the pretense of protecting account information when in reality they are attempting to get enough information to gain access to the member’s accounts. This method of fraud is attempted through different types of communication from seemingly legitimate sources that take advantage of our members' trust and confidence.

Please be vigilant and keep your personal and financial account information secure.


Automated fraud alerts from Addition Financial

As part of our commitment to provide a safe and secure banking environment, our membership is enrolled in advanced fraud alerts to keep them informed when fraud is suspected so that the member will be able to respond quickly to confirm the legitimacy of these transactions. If at any time you are not sure about a text, phone call or email from anyone identifying as “Addition Financial” regarding credit and/or debit card fraud, please call the number on the back of your card.


How to know if the alert is a scam

We will never contact you to ask for the following information:

  • Credit or debit card PIN Numbers
  • Online Banking passwords
  • All 16 digits of your Addition Financial debit or credit card number
  • The CVV code on the back of the debit or credit cards

If you have any doubt about the authenticity of a call from someone claiming to represent Addition Financial, hang up and call the Addition Financial Contact Center at 800-771-9411.


Reporting Scams

Noticed a scam or concerned you’ve been compromised?

  1. Contact us at 800-771-9411. 
  2. Forward the email or text to Fraud@AdditionFi.com so we can look into it on our end.
  3. Report the scam to the BBB Scam Tracker and the government via the FTC ReportFraud site. You may also want to report scammers directly to the FBI.

 

Do
  • Be Observant

    When withdrawing cash from ATMs, look for wobbly parts and malfunctioning screens as these may indicate the presence of a card skimmer. Contact your card issuer immediately if you inadvertently insert a card into a suspicious ATM.

  • Know Your Daily Balance

    Stay up to date on your checking and savings transactions. Sign up for mobile card controls and alerts that notify you of transactions – with the option to block those you don’t recognize.

  • Check Your Credit

    Identity thieves are hard at work opening accounts in the names of innocent consumers – don’t let this be you. Every consumer in the U.S. is entitled to receive a copy of his or her credit report once a year. Here is a link to get you started: https://www.annualcreditreport.com/index.action.

  • Check Your FICO Score Regularly

    Many credit unions display it when you log into their online banking systems. You can also access your FICO score at www.MyFICO.com for a nominal fee.

  • Read the Fine Print

    Before submitting payment information or even clicking links, double check all URLs and e-mail addresses. Make sure there are no extra commas or other unusual characters. Fraudsters are masters at impersonating brands and individuals. Run frequent virus scans on all home PCs and Android devices as well.

Don't
  • Swipe Cards

    EMV chip cards and digital wallets like Apple Pay are much more secure than that old magnetic stripe. If a business is still asking you to swipe at checkout, shop elsewhere.

  • Download Unfamiliar Apps

    There are many unlicensed banking apps out there, and many popular smartphone apps today that appear harmless – but they could contain risky code. If you need to access mobile banking, get the app from your credit union’s website – not Snapchat.

  • Talk to Unknown Callers

    If you don’t recognize the phone number on the other end of the line, don’t answer. Fraudsters are aggressive, and there are many tools out there they can use to synthesize human voice now. Don’t give away a sample of yours.

  • Believe Everything You Read

    Fraudsters love to catch people when their resistance is down and frequently attaching a sense of urgency to their requests. If someone calls or texts you with a “very important message from your card issuer”, don’t pick up and don’t respond. Place a separate call to your card issuer to assess the situation.

  • Store Card Numbers on Merchant Sites

    A breach on any site can send your card data straight to the dark web. Use Visa Checkout and Master pass instead to protect sensitive card data, and always look for that little lock in your browser window to ensure that a webpage is secure.

Information provided by Co-op Financial Services.

Phishing is an illegal attempt to obtain important personal information, such as usernames and passwords. Learn how to protect yourself from the various forms of phishing.

Q: Does the credit union ask for information via emails?
A: We have never and will never use email to request account information such as account numbers, credit and debit card numbers, social security numbers, PINs, or any other personal identifiers. We will not ask you to join a security protection plan via email.

Q: How do I report a phishing email?
A: If you receive a request for any personal information by email, forward the email to: info@AdditionFi.com.Then delete the email. Do not respond to it or click on any links within the email.
Skimming takes place when criminals copy information contained on your bank card's magnetic stripe and use it for unauthorized purchases, to make illegal cash withdrawals, or in the production of counterfeit cards. 

How does it happen? A legitimate electronic card reader, or "skimmer", is used with cash registers and/or credit card machines to gather the information that is encoded in the magnetic stripe. This may include the cardholder's name, address, telephone number, card number, credit limit, and PIN number. 

When does skimming happen? There are generally three places your confidential information can become compromised: 

  1. At the merchant location itself, fraudulent skimmers (roughly the size of an electronic pager) can be connected to any phone line between the phone jack and the credit card machine itself. When a consumer makes a credit card purchase, the card is swiped and the second electronic skimmer captures and stores the information, which can then be manipulated for a variety of illegal purposes.

  2. "Ghost Terminals" are created by criminals that attach fake touch pad screens and key pads over legitimate card readers and key pads on ATM machines. Users get an error message on the fake screen indicating that the ATM is "out of service", but the skimmer has already read and stored the card's information.

  3. Another common scenario is one in which a second skimming device is kept near the legitimate card scanning device in a store, or a portable device is carried in the pocket of a retail clerk. The card is swiped twice: once through the legitimate machine, and once through the second device for the purpose of stealing the magnetic stripe information.
Protect yourself by being aware! Keep an eye on your credit card when you hand it over for payment. Pay attention to the look of your favorite ATM machine. Has it changed? Check your receipts against your statements every month. Does everything match up? If you find an unfamiliar transaction, report the crime to the police and your financial institution! Finally, monitor your credit.

Protecting your card

  • Always protect your card and keep it in a safe place.
  • Do not leave your card lying around. No one should have access to the card but you and any joint users. Immediately notify your bank if it is lost or stolen.
  • Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your card.
  • Never give any information about your card or PIN over the telephone or online. For example, if you receive a call, supposedly from your bank or possibly the police, wanting to verify your PIN, do not give that information. Notify the police and your financial institution immediately.

Using your card

  • Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the ATM at that time.
  • Have your card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.
  • Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when pressing the keypad.
  • Be careful that no one can see you enter your PIN at the ATM. Use your other hand or body to shield the ATM keyboard as you enter your PIN.
  • To keep your account information confidential, always take your receipts or transaction records with you.
  • Do not count or visually display any money you received from the ATM. Immediately put your money away and count it later.
  • If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.

Using an ATM at night

  • Park close to the ATM or night deposit in a well-lighted area.
  • Take another person with you, if at all possible.
  • If the lights at the ATM are not working, don't use it and notify your financial institution.
  • If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your financial institution. 
  • Please report any suspicious activity or crimes to the police and your financial institution immediately. 

KnowBe4: Internet Security Education Courses

Addition Financial has partnered with KnowBe4, a company that specializes in educational materials based around online security, to offer courses only to our membership. Access these courses by signing in to Digital Banking, then select "Internet Security Education" under your accounts.

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