FREE Identity Theft Protection & Prevention Seminar this April 2016

poll_icone735ab6e-c480-44cd-92df-003d15c0ac20-0Identity theft is the fasting growing crime in the United States and about 19 people per minute fall victim to identity theft.* First Financial encourages you to be cautious – especially when it comes to the Internet and now even on your mobile phone, and always be on the lookout for instances of fraud. This free seminar will teach attendees about important preventative measures.

Attending this seminar, you will learn:

  • The best way to safeguard your personal information
  • Common warning signs of identity theft
  • How you can defend yourself from identity theft
  • How to react if you suspect identity theft
  • The most common ways identity theft occurs

Join us on Thursday, April 21st at 6:00pm for our free consumer seminar, Identity Theft Protection & Prevention, presented by the experts at First Financial. The seminar will be held at our Toms River branch located at 1360 Route 9 South. We invite you to bring a guest but space is limited, so make sure you sign up today!

*Click here to view fact source.

FREE “Identity Theft Protection & Financial Security for Your Family” Seminar this September 2015

bigstock-Cutout-paper-chain-family-with-16555013Identity theft is the fasting growing crime in the United States and about 19 people per minute fall victim to identity theft.* First Financial encourages you to be cautious – especially when it comes to the Internet, and always be on the lookout for instances of online fraud. This free seminar will teach attendees about these important preventative measures.

Attending this seminar, you will learn:

  • The best way to safeguard your personal information
  • Common warning signs of identity theft
  • How you can defend yourself from identity theft
  • How to react if you suspect identity theft
  • Most common ways identity theft occurs

Join us on Tuesday, September 29th at 6pm for our free consumer seminar titled, Identity Theft Protection & Financial Security for Your Family, presented by the experts at First Financial. The seminar will be held at our Toms River branch located at 1360 Route 9 South, corner of Route 9 and 571. We invite you to bring a guest but space is limited, so make sure you sign up today!

*Click here to view fact source.

Important Alert Regarding the U.S. Government Data Breach Incident

alert-resized-600It was recently announced that the U.S. Government has suffered a data breach affecting multiple Federal agencies and approximately 4 million individuals. The Federal Government has confirmed that the information hacked could be used to facilitate identity theft and fraud. The individuals affected are government employees and political appointees.

Below are recommended steps to remain vigilant against possible identity fraud:

  1. Be wary of emails or telephone calls that request information. Neither the U.S. Government nor our financial institution will ask you to provide any information in relation to this possible data breach incident.
  2. Check your Account Statements. Review your statements carefully and repeatedly. Any purchases, large or small, should be verified as a purchase you made.
  3. Check Your Mail and Your Email. Look for mail and emails addressed to you that you do not recognize. This may include credit card accounts, medical bills, or notices from companies with which you do not have a relationship.
  4. Get Help. You are not responsible for fraudulent transactions on your account, but you need to notify us as soon as possible if you see any suspicious activity. In addition, if you are concerned about fraud beyond the transactions on your current account, you may have access to an Identity Fraud Protection program that includes Fully Managed Identity Fraud Research, Remediation, and Recovery Services. We will submit your name to our Recovery Care Center and, within 24 business hours, you will be contacted by an Identity Recovery Advocate who will investigate the situation and work on your behalf to remediate any fraud. Contact us with any questions.
  5. Take Action. If you suspect that your identity has been compromised, you can place a fraud alert on your credit file by calling any one of the three major credit reporting agencies shown below. A fraud alert is a notation on your credit file to warn credit issuers that there may be a problem. The credit issuer is asked to contact you at the telephone number that you supply to validate that you are the person applying for the credit. This is not the same as credit monitoring.

TransUnion: 1.800.916.8800

Experian: 1.888.397.3742    

Equifax: 1.800.685.1111

In accordance with the Fair Credit Reporting Act, it is permissible for consumers to request a free copy of their credit report once every 12 months from each of the three major credit reporting agencies (TransUnion, Experian and Equifax).

To order a free credit report:

Online: www.annualcreditreport.com or by Telephone: 1.877.322.8228

First Financial would like to remind our members that your accounts with us are monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity. First Financial employs the most advanced fraud detection and prevention technology to guard members’ accounts against unauthorized access and use. If our security team observes any unusual activity on member accounts, we will contact members immediately to determine whether the transaction activity is legitimate and authorized.

Don’t wait until it’s too late! Check out First Financial’s ID Theft Protection products – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

We will continue to monitor all members’ accounts for suspicious activity. If you have any additional questions or concerns, please give us a call at 866.750.0100 or email us at info@firstffcu.com. Thank you for being a valued member of First Financial.

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. **Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Credit Cards Can Be Stolen Right Under Your Nose

635576298599917158-468266197-4-There are several things people freak out about when their wallets or purses have been stolen: knowing a thief has your ID (and your home address), losing irreplaceable gift cards or cash, and having to cancel your credit cards. That’s usually the first thing people do — call their banks — but it’s easy to act quickly when you realize you’ve been robbed. Sometimes, it’s not that simple.

Thieves steal credit and debit cards all the time without taking the physical card. The most common kind of card theft results from data breaches. Last year, millions of U.S. consumers had their cards replaced after their information was compromised in one of the massive cyberattacks on retailers, even if their cards didn’t show unauthorized activity. People have gotten used to the idea that data breaches are inevitable, but there are lots of daily activities that put your cards at risk for theft, without you noticing.

1. Drive-thrus

A Pennsylvania woman was recently arrested for allegedly swiping customer cards on a personal card reader while she worked the drive-thru at a Dunkin’ Donuts, WFMZ reports, reportedly using the information to create duplicate cards and charge more than $800 to the accounts.

That’s not the first time a story like this has popped up, and it’s likely to happen again, because the situation presents an easy theft opportunity to drive-thru workers: Customers hand over their cards and usually can’t see what the cashier is doing with it on the other side of the window. It’s not like you should avoid the drive-thru for fear of card theft, but it’s one of many reasons to regularly check your card activity for signs of unauthorized use.

2. Restaurants

How often do you see your server process your dinner payment? Usually, he or she takes your card away from your table and completes the transaction out of your sight. Many restaurant workers have taken advantage of this situation to copy customers’ cards and fraudulently use the information. Once again, regularly check your card activity for signs of unauthorized use.

3. On the Phone

People are pretty trusting when making orders over the phone, assuming that whoever takes the order is entering the credit or debit card number, expiration date and security code into a payment system, not just copying it down for their own use. On the flip side, it might not be the person on the other end of the call you should worry about — plenty of people read their card information aloud within earshot of strangers, making it easy for someone nearby to write down the numbers.

4. RFID Scanners

Most radio-frequency identification (RFID)-enabled credit and debit cards have a symbol (four curved lines representing a signal emission) indicating the card has the technology for contactless payment. If you have one of these cards, you have the ability to use tap-and-pay terminals found at some retailers, because your card sends payment information via radio frequencies, received by the terminal.

That same technology also allows thieves to use RFID scanners to copy your card data if they get close enough to it and your card isn’t protected. If you’re not sure your card has RFID technology, call your issuer, and if it does, use signal-blocking materials and products to protect it.

5. Card skimmers

Thieves have been installing copying devices at gas pumps and ATMs for years: They tamper with card readers to install skimmers that copy your card data when you swipe it, so a thief takes your credit or debit card information while you complete an otherwise routine transaction. Experts advise you look closely at card readers for signs of tampering, use ATMs serviced by your bank and check your card activity regularly for signs of fraud.

That’s really the best way to combat credit card theft: Watch closely for it. With online banking and mobile applications, it’s easy to check your accounts every day, making it more likely you’ll spot something out of the ordinary than if you only looked at card activity once a week or so. You can also check your credit score for sudden changes, which can be a sign of fraud or identity theft.

Don’t wait until it’s too late! Check out First Financial’s ID Theft Protection products – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. **Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Article source courtesy of Christine DiGangi, Credit.com.

The Latest Data Breaches for November 2014: USPS and Grocery Stores Operated by AB Acquisition LLC & SUPERVALU

USPS data breachUSPS Breach

The U.S. Postal Service said on 11/10/14 that employees’ personal data, including Social Security numbers, may have been compromised in a cyber attack.

The Postal Service said more than 800,000 — all those that receive their pay from the postal service and some retirees, could potentially be affected.

In a statement, the USPS said the FBI was leading an investigation and that customer credit card data did not appear to be at risk.

“The intrusion is limited in scope and all operations of the Postal Service are functioning normally,” the statement said. “Postal Service transactional revenue systems in post offices as well as on usps.com, where customers pay for services with credit and debit cards have not been affected by this incident.”

Over 2.9 million customers who contacted the postal service customer care center with an inquiry via telephone or email between January 1, 2014, and August 16, 2014 are also at risk.

The intrusion compromised names, addresses, telephone numbers, email addresses and other information for those customers who may have provided this information, according to the statement.

AB Acquisition LLC & SUPERVALU Breach

ABS-Logo

In addition, malware was discovered this fall 2014 on some point of sale systems within grocery stores operated by AB Acquisition LLC & SUPERVALU.  SUPERVALU’s stores include: Cub Foods, Hornbacher’s, Farm Fresh, Shop ‘N Save, and Shoppers Food & Pharmacy. AB Acquisition’s stores include Albertson’s stores under Albertson’s LLC and ACME Markets, Jewel-Osco, and Shaw’s and Star Markets under New Albertson’s, Inc.

Click here to review a statement and press release from SUPERVALU with more details about the incident, should you suspect you may be affected by this malware incident.  For more information on the AB Acquisition LLC incident, click hereSuperValuLogo

It is important to know the following in regard to both data breaches:

  • Free credit monitoring services are usually offered to compromised customers. Should you be affected by either of these latest data breaches, an announcement will be sent with information regarding how to activate these services. However, credit monitoring only alerts you to new credit or changes to your existing credit. The criminal activity that is taking place uses existing open accounts, so no credit monitoring alerts may be triggered. You need to watch your account statements carefully.  
  • First Financial accountholders will not be responsible for any fraudulent account charges. If you suspect any fraudulent transactions, please contact Member Services immediately at 866.750.0100.

Be wary of emails or telephone calls that request information. Neither USPS, AB Acquisition LLC, SUPERVALU, nor our financial institution will ask you to provide any information in relation to this possible data breach incident.

Below are the recommended steps to remain vigilant against possible identity fraud:

  1. Check your bank statements. Review your statements carefully and repeatedly. Any purchases, large or small, should be verified as a purchase you made.
  2. Get Help. You are not responsible for fraudulent transactions on your account, but you need to notify us as soon as possible if you see any suspicious activity. Contact us with any questions.
  3. Take Action. If you suspect that your identity has been compromised, you can place a fraud alert on your credit file by calling any one of the three major credit reporting agencies shown below. A fraud alert is a notation on your credit file to warn credit issuers that there may be a problem. The credit issuer is asked to contact you at the telephone number that you supply to validate that you are the person applying for the credit. This is not the same as credit monitoring.

TransUnion: 1.800.916.8800, Experian: 1.888.397.3742, Equifax: 1.800.685.1111

In accordance with the Fair Credit Reporting Act, it is permissible for consumers to request a free copy of their credit report once every 12 months from each of the three major credit reporting agencies (TransUnion, Experian, and Equifax).

To order a free credit report –
Online: www.annualcreditreport.com or by Telephone: 1.877.322.8228.

Individuals are encouraged to report any suspected instances of identity fraud to the FBI’s Internet Crime Complaint Center at www.ic3.gov.

Don’t wait until it’s too late! Check out First Financial’s ID Theft Protection products – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

We will continue to monitor all members’ accounts for suspicious activity. If you have any additional questions or concerns, please give us a call at 866.750.0100 or email us at info@firstffcu.com. Thank you for being a valued member of First Financial.

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. **Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Article Sources: http://www.nbcnews.com/tech/security/800-000-post-office-employees-data-could-be-compromised-n245121, http://www.supervalu.com/security.html, http://www.albertsons.com/2014/08/ab-acquisition-llc-confirms-incident-involving-payment-card-data-processing/.

A Message for Members Regarding Account Security Following Home Depot Data Breach

??????????????Home Depot is officially the latest big retailer to suffer a payment data breach, the company confirmed on 9/8/14. It’s unclear how many customers were affected, but Home Depot said the breach could have hit customers who used debit or credit cards at its U.S. and Canadian stores from April 2014 forward.

The company released few other details in its statement as it continues to determine the full scope, scale and impact of the breach. At this point there is no evidence that debit PIN numbers were compromised, and the breach doesn’t appear to have affected physical stores in Mexico or HomeDepot.com.

Naturally, this latest data breach has created inquiry from First Financial members regarding the security of their credit and debit card accounts.

We want to assure members that your accounts with us are monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity. First Financial employs the most advanced fraud detection and prevention technology to guard members’ credit and debit accounts against unauthorized access and use. Here’s a quick update for your peace of mind:

  • If our security team observes any unusual activity on member accounts, we will contact members immediately to determine whether the transaction activity is legitimate and authorized.
  • It is also a good practice for members to keep a watchful eye on their accounts and transactions and look for any unauthorized activity or purchases.

Don’t wait until it’s too late! Check out First Financial’s ID Theft Protection products – with our Fully Managed Identity Recovery services, you don’t need to worry. A professional Recovery Advocate will do the work on your behalf, based on a plan that you approve. Should you experience an Identity Theft incident, your Recovery Advocate will stick with you all along the way – and will be there for you until your good name is restored and you can try it FREE for 90 days!*

Our ID Theft Protection options may include some of the following services, based on the package you choose to enroll in: Lost Document Replacement, Credit Bureau Monitoring, Score Tracker, and Three-Generation Family Benefit. To learn more about our ID Theft Protection products, click here and enroll today!**

*Available for new enrollments only. After the free trial of 90 days, the member must contact the Credit Union to opt-out of ID Theft Protection or the monthly fee of $4.95 will automatically be deducted out of the base savings account or $8.95 will be deducted out of the First Protection Checking account (depending upon the coverage option selected), on a monthly basis or until the member opts out of the program. **Identity Theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

We will continue to monitor all members’ accounts for suspicious activity. If you have any additional questions or concerns, please give us a call at 866.750.0100 or email us at info@firstffcu.com. Thank you for being a valued member of First Financial.

Article Source: http://www.nbcnews.com/tech/security/home-depot-confirms-credit-card-data-breach-n198621