Arizona Central Credit Union

Email Scams

Phishing Defined

Phishing (pronounced "fishing") is a type of email scam in which identity thieves send official looking emails with urgent-sounding messages asking the recipient to click a link within the email. The link takes you to a website, which may look like Arizona Central Credit Union's website, where you will be asked to provide confidential information such as account numbers, credit card numbers and other sensitive information.

Fraudsters send these emails to a large group of random email addresses, hoping to reach at least of few of our members.

Arizona Central will NEVER send unsolicited emails or text messages asking you to give or verify personal information online or by phone. In addition, the messages we send will never direct you to a website to verify personal information.

Please contact us immediately if you ever have questions or concerns about suspicious messages you may have received.

Common Scams

Identity thieves want to scare you into releasing your personal information by sending you messages that sound urgent or critical. Arizona Central will NEVER send you these types of messages via email. Phony emails of this nature typically carry one of the following messages:

  • Account access denied/expired
  • Alert messages – These emails claim you have a message waiting and you must login to retrieve them. To be safe, always type in the web address. Do not click the links within the email.
  • Bill Pay is out of date, denied or expired
  • Contact information change/update - These emails inform the recipient their contact information or personal profile has been changed or reset. They are asked to click on a link, log into their account and verify this action.
  • Member Satisfaction Surveys and Cash Rewards - This email promises to pay you money for completing a survey online. Arizona Central sends surveys from time to time, but we will NEVER ask for account numbers, credit card numbers or login information.
  • Emails from the NCUA - The NCUA is the federal agency that insures credit union deposits. The NCUA will never send email messages directly to credit union members instructing them to provide personal account information.

It is very important to remember that Arizona Central will NEVER send unsolicited emails or text messages asking you to give or verify personal information online or by phone. In addition, the messages we send will never direct you to a website to verify personal information.

Identifying Safe Email

Email is a timely, effective and convenient way to communicate with our members. Therefore, we have outlined the types of emails that we DO send and how you can tell if the email you receive is real or a fake.

  • Email Alerts – These are emails that notify you of balance information, a check that has cleared or Certificate maturity dates. Alert emails are set up by you, the end user, so you are in complete control. These emails will NEVER contain links to a website.
  • Bill Pay Emails – These emails notify you when a bill has arrived or when a bill has been paid. You can change your Bill Pay options for each payee by logging in to eBRANCH, clicking on "Bill Pay" and then clicking on the name of the payee. These emails will NEVER contain links to a website.
  • Password Changes – Whenever you change your eBRANCH password under "User Options," an email is automatically sent to your email address on file. These emails will NEVER contain links to a website.
  • eStatement & Document Notifications – These emails are sent to notify you that your eStatement is available online for your review or when a new document has been posted to your account. These emails will NEVER contain links to a website.
  • eNewsletter/Marketing Emails – These emails are designed to keep you informed of current promotions and specials. These emails may contain links back to our website. If you still feel uncomfortable clicking a link, please visit our website by typing our web address into your web browser or utilizing your saved bookmarks.

Please contact us immediately if you ever have questions or concerns about suspicious emails you may have received.

Protecting You From Scams

Arizona Central will never ask for account numbers, passwords, credit card numbers, Social Security numbers or other sensitive information via unsolicited email. If you have received an email like this, do not respond!

  • We've partnered with CU Defense, a leader in online risk monitoring and management. They constantly monitor for online fraud and work to shut down fraudulent sites.

How to protect yourself:

  • Do not respond to emails requesting personal information, and do not click on links within suspicious emails.
  • Do not call phone numbers listed in messages you receive. Instead, go to our website to find our number or look on the back of your credit/debit card.
  • Update your computer software with current versions and utilize virus protection and firewall software to protect data.

Please contact us immediately if you ever have questions or concerns about suspicious emails you may have received.

Frequently Asked Questions

A: There are several ways someone could obtain your email address.

  • Web Pages – Spammers have programs called "spiders" which go through web pages looking for email addresses. Many businesses and organizations who list email addresses on their site are easy targets for these programs.
  • Personal Website – It's very common to include a "mailto:" link so visitors can click on a link to send you an email. Again, this is a very easy way for spammers and fraudsters to obtain your email address.
  • Mailing Lists – A spammer could obtain a mailing list with your address on it. Before providing your email address to any third party, make sure you read the privacy and security policies and know how your information will be used. Arizona Central will NEVER share or sell your email address to unaffiliated third parties.
  • Electronic Bulletin Boards – If you use your email address to post information on a comment board or other forum, fraudsters have the technology to scan these sites and extract your email address.

Are you curious if your email address is available on a web page? Try searching for your email address in Google. You might be surprised how many pages it's listed on.

A: Please contact us immediately if you responded to a potential email scam. A representative will guide you through the steps you should take to minimize potential losses.

A: We can't share all the steps we take, but we are able to stop many scams. First, we try to shut down the fraudulent website. Then we work with domestic and international law enforcement to track and arrest the criminals responsible. Many, however, are based outside the United States, and disguise their email's origins by sending them from hacked computers.

A: They might not know anything about you specifically, but they do know Arizona Central has thousands of members. Their idea is to cast a very broad net in hopes of catching unsuspecting members.

A: It works like this: Phishers target the customers of large companies. They phish millions of email accounts, knowing that many of their targets will be among the recipients. In the process, they end up sending mail to many people who aren't members of Arizona Central.

Since 1939 we've been providing Arizona families with friendly, hometown service and convenient, affordable financial solutions. As a member-owned credit union we provide personalized checking, savings, mortgages, and business and personal loans to communities across Arizona, including Phoenix, Tucson, Tempe, Chandler, Glendale, Show Low, and Flagstaff. Arizona Central Credit Union is here to help you achieve financial success for every stage of life.
From Arizona: (602) 264-6421 1-866-264-6421 ABA Routing Number: 322172441

We do business in accordance with the Equal Credit Opportunity Act.

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