Fraud Alert

Lisduggan Credit Union is advising members to be on alert for text message and phone scams currently in circulation claiming to be from your credit union.

These are very convincing and sophisticated scams so please read the information below in order to protect your personal information and access to your credit union account.

How does the scam happen?

You may receive a phone call and/or text message which creates a sense of urgency in relation to a ‘suspicious payment’ from your account or other security issue.

A text message may ask you to click on a link, call a number or even expect a call from their security team using a landline or private ID.

If you do click the link you may find yourself on a fraudulent online banking login page that mimics the real credit union login page.

In some cases you may receive an authorisation code and be asked to input it on screen to ‘reactivate your account’ or ‘cancel a fraudulent payment’ – however this actually gives the fraudster access to your account.

If you receive a fraudulent call the number may mimic the genuine number of the credit union. If you find yourself on a suspicious call, the fraudster will try to get personal, financial and security information.

The fraudster may imply that if you don’t act immediately, it will have negative consequences, for example, that money will be lost from your account.

The fraudster may even advise you to delete your mobile banking or credit union app ask you not to log into your credit union accounts for a period of time. In order to make you believe this instruction

Warning signs:

• A credit union will never text/email/phone you asking for personal information.
• A credit union will never send you a link on a text message.
• A credit union will not ask you to delete your banking or credit union app or to avoid logging into banking online.

What should you do if you receive a suspicious text message?

• Do not use phone numbers provided within the text of a text message. Contact Lisduggan Credit Union on 051-355696
• Do not reply to unsolicited text messages or provide personal or financial information.
• Do not click on a link or attachment from unsolicited emails or text messages.
• If someone is pressurising you on the phone to take urgent action, hang up and Lisduggan Credit Union on 051-355696
• Never give away personal information, credit union account details or security details such as your PIN or online password to anyone.
• Block the sender of a suspicious email or text message and delete the message.
• Contact your credit union immediately, if you think you have responded to a scam text message or phone call.