Electronic Services

Identity theft is one of the fastest growing crimes in the nation. Atlantic Federal has many safeguards in place to protect members and shield their privacy. To help members become more knowledgeable, on this page we will post both general information on various fraud issues as well as specific scam alerts that could directly affect credit union members.

If you ever feel that you are a victim of any type of fraud, contact Member Services immediately at 1-800-222-1329.

Atlantic Federal has received reports of fraudulent e-mails seeking VISA credit card information.

The e-mail advises the cardholder that an unsuccessful attempt was made to use his or her card at a foreign ATM. The e-mail contains a link purportedly so the cardholder can "review an electronic report" for the card. If you receive such an e-mail, please ignore it, as it is fraudulent and is not being sent from VISA. If you have any questions regarding this matter, please call Member Services at 1-800-222-1329.

Digital Insight, our home banking provider, is currently investigating fraudulent e-mails that may have been sent to members. The phishing e-mails claim to be from Intuit and advise recipients to update account information by clicking a link that goes to a fraudulent web site.

Intuit did not send this email. Intuit does not use emails to request personal information or update security tools. A copy of the e-mail is below. Some versions may vary:

Subject: NECESSARY SECURITY TOOL

Due to increased security measures our organization developed a tool for secured access to the web-site. You should follow these steps:

- download the tool click here
- install it on your PC

In case you don't install this tool within two weeks from the moment of receiving this notification you will be denied access to services provided by our organization.

We are here to support. We want to do everything we can to get you up and running. To contact us, or to view Frequently Asked Questions, please click here. Going forward, you can also click support at the bottom of any page or call us at 800-624-1465. (Don't respond to this email; it was sent from an address that can't accept incoming email.)

Best regards,
The Intuit Online team

For more information about phishing, malware and other security related topics, please visit our Security Minisite.

Atlantic Federal has received reports of fraudulent e-mail seeking credit card information (known as a "phishing fraud") that has been circulating since January 16, 2009. This fraudulent e-mail appears to be from NCUA and contains a link purportedly to obtain a subscription for the NCUA Express Subscription service. When that link is used, the recipient is directed to a “clone” of the NCUA Express Service site that seeks credit card information from those to whom the phish was sent.

If you receive such an e-mail, please ignore it, as it is fraudulent. The NCUA does NOT charge for the Express Subscription service and does NOT solicit credit card information over the internet.

Atlantic Federal has received reports of a phisher sending unsolicited e-mail messages to members. The message urges the recipient to call 801-807-0323 to reactivate their account. The phisher's ultimate goal is to obtain individual account information and pin numbers.

We urge members to be very weary of unsolicited e-mail messages. Atlantic Federal Credit Union will never ask for account and/or personal financial information via e-mails or unsolicited phone calls. If you receive any such messages, do not click the links or call the numbers provided. Instead, immediately delete the message from your computer.

We have been informed that some members have received the following E-mail. Please be advised that this e-mail is NOT from Atlantic Federal Credit Union. Do not call the number listed or reply to the e-mail. If you have any questions regarding this matter, please call Member Services at 800-222-1329.

This is a copy of Phishing Scam. Please do not follow the instructions and do not call those phone numbers.

From: Atlantic Federal Credit Union,
[mailto:notice@atlfedcu.com]
Sent: Monday, September 22, 2008 2:15 PM
Subject: Security Notice!

Atlantic Federal Credit Union

Dear Customer,
Atlantic Federal Credit Union temporarily suspended your account.

Reason: Fraud attempts
To reactivate your account call the total free number: 801-807-0323

Don't click on links within emails that ask for your personal information.
Never enter your personal information in a pop-up screen.
Protect your computer with spam filters, anti-virus and anti-spyware software, and a firewall, and keep them up to date.
Only open email attachments if you're expecting them and know what they contain.
If someone contacts you and says you've been a victim of fraud, verify the person's identity before you provide any personal information.
Be suspicious if someone contacts you unexpectedly and asks for your personal information.

Local: 801-807-0323
Toll Free: 1-801-807-0323

In the interest of passing along alerts to members, we want to advise you of a new computer virus that comes as an e-mail pretending to be from the United Parcel Service (UPS). Anyone who receives such an e-mail should not open it and delete it immediately. The e-mail contains the subject line: UPS Tracking Number 0328795951 (or other digits). The e-mail informs the recipient that they have a package that UPS could not deliver and to open an attachment to make arrangements to pickup the shipment. The attachment is actually a computer virus.

UPS advises that while they may send official notification messages on occasion, they rarely include attachments. If you receive a notification message that includes an attachment and are in doubt about its authenticity, please contact customerservice@ups.com.

Digital Insight, our home banking and website provider, has alerted us to a phishing scam directed at credit union members. This scam targets users by sending e-mails that appear to be from Digital Insight and is designed to trick the recipient into clicking a link in the e-mail for the purpose of acquiring sensitive data, such as passwords or financial information.

DO NOT click links or install programs suggested in the e-mails, even if the e-mail appears to be from Digital Insight or a familiar source. Please immediately delete these e-mails and be careful not to take the actions requested. Digital Insight will never send e-mails containing links to download software or applications.

Atlantic Federal has received reports of a phisher sending unsolicited text messages to cell phones. The message urges the recipient to visit a web address that at first glance appears to be a credit union's website or to call a number to renew online services. The phisher's ultimate goal is to obtain individual account information and pin numbers.

While we have no direct knowledge of Atlantic Federal members being solicited in this scam, other New Jersey credit unions have been targeted.

We urge members to be very weary of unsolicited text messages. Atlantic Federal Credit Union will never ask for account and/or personal financial information via e-mails or unsolicited phone calls. If you receive any such messages, do not click the links or call the numbers provided. Instead, immediately delete the message from your computer as the perpetrators have been known to use Spyware* in conjunction with their text message solicitation.

*Spyware is software installed on your computer or cell phone without your consent that monitors or controls your use of the device. It may be used in your cell phone for such things as monitoring your internet surfing, activating your speaker phone as a listening device, taking pictures with your phone camera, copying your contacts or recording your keystrokes, which in turn could lead to identity theft.

We have been notified that credit union members across the country are receiving bogus e-mails purported to be from CUNA (Credit Union National Association) asking them to participate in a survey. The e-mail attempts to lure people to a fake website and asks for their credit card and ATM PIN numbers.

Do not open or respond to information requests such as this. In this particular instance, the individual is promised $50 for participating in a survey. While the e-mail looks legitimate and even contains the CUNA logo, it is a scam and an attempt to commit identity theft.

Atlantic Federal Credit Union, the Credit Union National Association (CUNA) nor any other reputable business will ever send you an e-mail asking for your account numbers or other personal information.

Please alert other family members who may be at risk. Don’t hesitate to call us at 1-800-222-1329 if you have any questions or concerns. Click here to send our Member Service Department an e-mail or forward any suspicious credit union correspondence.

Atlantic Federal has been notified by Visa® that fraud rings abroad are actively targeting debit and ATM cardholders across the country for the purpose of conducting fraud on their accounts.

As a result, Atlantic Federal and other financial institutions are blocking some international debit and ATM card transactions.

Specifically, AFCU Members are blocked from using their debit and/or ATM cards in the following countries:

Please be assured that Atlantic Federal’s systems and databases are secure and are not the cause of these occurrences.

In these fraud situations, Atlantic Federal debit and ATM cardholders have $0 liability. This means that you would not be responsible for any fraudulent charges that appear on your account as a result of an incident.

Remember that Atlantic Federal, Visa or any of our other business partners will never ask you to provide or verify your credit, debit or ATM card account numbers.

The list of countries involved in these fraud rings changes frequently, so we encourage you to visit our website regularly to keep informed – especially prior to traveling outside of the country. If you have questions, please call our Member Services Center at 1-800-222-1329.

Please immediately call Atlantic Federal Credit Union’s Member Services Center at 1-800-222-1329 during our hours of operation. After hours, please call (866)272-2725.

Your financial safety is our primary concern. We are taking every step necessary to respond immediately and provide uninterrupted service to you.