If You Think You’ve Been Scammed
Don’t be embarrassed. Fraud is sophisticated and constantly evolving. With rapid advances in technology and artificial intelligence, even the most careful people can be caught off guard.
The most important step you can take is immediate action:
- Contact us straight away so we can freeze your account and cards to limit any damage.
- Our team will guide you through the next steps and provide support.
- If your Credit Union debit card has been lost or stolen, please contact +353 (1) 693 3333 immediately. This number is also available outside office hours if you have any concerns about potential fraud on your current account.
Common types of fraud
1Smishing (Text Scam)
Scammers send text messages pretending to be from trusted institutions like the credit union for example, attempting to trick you into revealing personal information such as banking or card details.
2Phishing (Email Scam)
Fraudulent emails that appear to come from reliable sources, asking you to click on a link or download an attachment. These emails are designed to steal sensitive information, such as your account credentials, PIN, or credit card numbers.
3Vishing (Phone Scam)
Scammers call, posing as representatives from trusted institutions or even authorities like An Garda Siochana, trying to convince you to share personal information or verification codes, often for setting up apps like Google Pay or WhatsApp
10 Steps to Protecting Yourself Online
Use Strong Passwords
Create complex passwords that combine letters, numbers, and symbols. Avoid using easily guessable information like birthdays or names.
Enable Two-Factor Authentication (2FA)
Whenever possible, activate two-factor authentication for an extra layer of security on your accounts.
Be Cautious with Emails and Links
Don’t click on links or download attachments from unknown or suspicious emails. Always verify the sender before acting.
Regularly Update Software
Keep your operating system, apps, and security software up to date to protect against vulnerabilities.
Avoid Public Wi-Fi for Sensitive Transactions
Don’t access bank accounts or make online purchases over public Wi-Fi. Use a VPN for added security.
Monitor Your Accounts Regularly
Check your bank and credit card statements often for any unusual or unauthorized transactions.
Use Secure Websites
Ensure websites are secure (look for https:// and a padlock symbol) before entering any sensitive information.
Limit Personal Information Online
Be mindful of what you share on social media. The more information you post, the easier it is for scammers to target you.
Be Wary of Urgent Requests
Scammers often create a sense of urgency to rush decisions. If something seems too urgent or good to be true, stop and verify
Educate Yourself About Scams
Stay informed about common scams and fraud tactics. The more you know, the better equipped you'll be to spot red flags.
