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CAMPUS USA Credit Union and our affiliates are committed to making available financial products and services that will empower you to reach your financial potential. Protecting personal information and using it in a manner consistent with your expectations is a high priority for everyone associated with your credit union. The Board of Directors and management have made every effort to protect your account information. Click here to read the CAMPUS USA Credit Union Privacy Policy.

 

SecurityAccessing your account online should not be a frightening experience. We want you to feel safe and secure every time you use any CAMPUS USA Credit Union online service. CAMPUS has built a security system around CAMPUS QUE online banking that safeguards your money and keeps your account information private. Click here to read the CAMPUS USA Credit Union Online Security Policy.

 

FraudCAMPUS USA Credit Union will never ask you to provide confidential information, such as debit or credit card numbers, PINs or Social Security numbers via email, text messages or direct mail. We will also never ask for this information over the phone. If you receive any message asking you to do this, please do not respond to it, and instead contact CAMPUS USA Credit Union. These messages are fraudulent attempts to collect your personal information.

 

5 Proactive Identity Theft Prevention Tips

  • DO NOT provide your full social security number unless it is deemed necessary such as a new application for credit.
  • Carry only what you need on you such as a debit card and an ID. If you’re only going to the grocery store, it is not necessary to take all your credit cards and social security number with you.
  • Shred all incoming documents with personal and financial information on them. This will lower the chance you will become a victim of dumpster diving. Dumpster diving occurs when fraudsters dig through trash to gather personal information such as addresses, credit card and bank account numbers and use them as they please.
  • Each year you can obtain a free copy of your credit report from the 3 major credit bureaus to verify your current credit accounts and loans you have opened to ensure that any loans or credit accounts have not been obtained fraudulently using your identity. www.annualcreditreport.com

What should I do if I’m a victim of Identity Theft?

  • Notify your local law enforcement agency immediately and file a report with them.
  • Contact the social security fraud hotline: 800-269-0271.
  • Notify all financial institutions you conduct business with so your accounts can be flagged to warn you of unusual or suspicious activity.
  • Contact the three main credit bureaus to put an identity theft alert on your credit report so that financial institutions and lenders will proceed with caution before a new credit account is opened using your social security number.
    Equifax Fraud Unit: 800-525-6285Experian Fraud Unit: 888-397-3742

    TransUnion Fraud Unit: 877-438-4338

Know the Difference: Identity Theft vs. Identity Fraud

Identity Theft: Identity theft is when a fraudster/thief/person takes over your personal and financial information to obtain credit or open bank accounts fraudulently. Personal information used to obtained credit or bank accounts include name, social security number, date of birth etc. This is often not caught immediately. This is usually discovered when new credit is applied for or creditors/collectors attempt to call or mail you collection letters. If not handled properly and quickly this could affect your credit report and credit score.

Identity Fraud: Identity fraud is usually limited attempts to steal funds from an existing bank account or through a credit/debit card transaction. An example of identity fraud is when a thief impersonates you at your financial institution attempting to cash a stolen check or withdraw money from your bank account. This usually does not affect your credit report or credit score if reported in a timely manner.