In a time when we need to band together (but separately) for the greater good, Advia is here for you! Our valued members and the security of their money are our top priorities. And right now, unfortunately, scammers are using Coronavirus (COVID-19) to prey on the fear of consumers and their financial assets. The best way to defend yourself against scammers is to know what you’re up against and what action to take.
Phishing Phone Calls
Currently, there is a scam in which you will receive a voicemail from an 800-number referencing suspicious activity on your Credit or Debit Card. There are websites and software that exist to allow a caller to go directly into your voicemail without your phone ringing. Therefore, your phone may or may not ring with this ploy. At this time, the voicemail makes no mention of Advia Credit Union. DO NOT call this 800-number back. As a reminder, if Advia initiates contact with a member, we will not ask for a full SSN, full card number information, or other full identifying information that could be used to initiate identity theft. If you have concerns about suspicious card activity, you can always view your card activity by logging into your Digital Banking account or calling us directly at 844.238.4228.
Risky Loans and Investments
In the coming weeks, you may see ads for “emergency loans” and other fail-safe assets. Because of COVID-19, the market has inevitably taken a downturn. Buyers should beware of deals offering a surefire return on investment with no risk. Generally, if it sounds too good to be true, it probably is. If you’re interested in setting up an investment account or would like to take out a loan for financial relief , be sure to reach out to us directly. Our Member Service Specialists are always happy to help you with loans and investment accounts!
Be on the lookout for fraudulent websites that look like other financial institutions. We’ve identified the example below and believe there may be more out there. One of the links in the example below is for a completely different organization and the other is a fake Advia Credit Union website. Always pay attention to the web address endings. Most fraudulent ads, like the one below, are found at the bottom of web pages or may appear as pop-up ads. If you see a look-a-like Advia ad like this one, don’t click on it. Instead, manually type in our web address, adviacu.org, into your search bar to visit our site directly without risk.
Keep Yourself Protected
Advia will never contact you and ask for your Credit or Debit Card number, 3-digit code on back of card, account number, or Digital Banking login ID. If you receive any communication such as an email, voicemail, phone call, or text message asking for this information, the best practice is to ignore it. Do not engage in conversation or respond.
What Actions to Take
- Check the Source
If you receive any communication regarding your money, accounts, special offers, or Advia itself, always check if it is coming from a legitimate source. You can do this by checking the website URL, the email address of the sender, and the phone number against the information you know about Advia or on account communications you’ve previously received from us.
- Give Us a Call
When in doubt – always reach out directly. If you have questions about any communication, website, or other messaging from Advia, we are here to help! We are happy to verify what communication is legitimate and what communication or messaging is not from us and can be considered a scam.
- Visit Our ID Theft Page
For additional information on safety measures to practice to prevent fraud, protect your PIN, report unusual activity, and shop safely online, visit our ID Theft page. Educating ourselves is one of the best steps we can take in this time of heightened concerned.
Ways Advia Can Help You Protect Yourself
One option that can help put your mind at ease is our Visa® Alerts. You can enroll in mobile or email alerts that notify you when your Advia Credit Card or Debit Card has been used for a purchase.
You can also set up notifications for:
- Purchases over a set dollar amount
- Purchases made outside of the US
- Purchases in which your card was not physically present (online or phone purchases).
Keep a close eye on your credit score with our new SavvyMoney Credit Score. By regularly monitoring your credit score, you can easily dispute any unknown loans or misinformation on your credit report. Also, learn how to save money with Advia by transferring or refinancing your Auto, Mortgage, Personal Loan, and Credit Cards. Your personalized offers will show interest saved over the life of the loan, your potential lower monthly payment, and how you can pay off debt faster! Opt in to SavvyMoney today!
Monitor your account by signing up for Digital Banking Alerts. In addition to default alerts, you can set up various Security Alerts for an invalid login attempt, when contact information is updated, once money is transferred in or out of different accounts, and more.
You can also set up Account Alerts to notify you when:
- Your available balance is greater or less than a set amount
- Funds are deposited into your account
- Funds are transferred to and from your account
- And much more.
Other ways to stay safe online
Here are some other ways you can protect yourself in digital spaces:
- Stay alert
- Practice good password management
- Never leave devices unattended
- Be cautious of links or attachments in emails
- Use a secure connection
- Install anti-virus software on all devices & keep it updated
Visit our Stay Safe Online Blog to read more about these simple steps that could make all the difference!
Do you think you’ve been victim of a scam, fraud, or identity theft?
Call Advia right away to let us know about the situation and we can assist with ways to protect your account and address incident. We can also help you through the next steps, such as contacting the credit bureau, reporting to the FTC, and monitoring the occurrence.
Learn more additional tips and resources to safeguard your identity and to protect your financial health.
Have additional questions about the different topics featured in the blog: scams, identity theft, financial relief or about any of our products?
Reach out to us direct, visit adviacu.org/covid19, or type to your question to Advia’s virtual assistant Ava.
Stay safe out there!
Advia is an Equal Opportunity Lender.