• Secure Passwords: Mandatory strong passwords with letters, numbers, and special characters.
• Multi-Factor Authentication (MFA): Enhanced security with biometric verification (fingerprints, Face ID) and one-time passwords (OTP).
• Fraud Monitoring: 24/7 transaction monitoring by Falcon Fraud Manager, providing immediate alerts for suspicious activity. Please ensure your mobile contact details are updated in your account settings.

Prevention is the best protection, and we want our members to be protected at all times. Below are some great tips to help keep your personal and financial information protected.

Vibe Credit Union recommends these best practices:

• Regularly review your accounts and set up alerts for suspicious activity.
• Check your credit report annually at annualcreditreport.com.
• Beware of phishing scams and fraudulent websites. Report suspicious contacts claiming to be from Vibe at 248-735-9500 immediately.
• Avoid using card readers that seem tampered with, especially at gas pumps.Skimmers attempt to steal your card data and PIN. 
• Use peer-to-peer payment services, such as Cash App, Paypal®, and Venmo, cautiously—never send money to unknown recipients.

Identity Theft Resources
Signs of Identity Theft
Report identity theft and get a recovery plan
Learn to block unwanted calls

Stay up to date on the latest scams and how you can avoid them by visiting the Cybersecurity page of the Vibe Credit Union Blog today. 

• Postcard Scam: Ignore postcards requesting you to call about your mortgage. Contact us directly at 248-735-9500 with any mortgage questions.
• Spoofing Scam: Be wary of callers impersonating Vibe employees about unauthorized charges. We never request account details over calls or texts.
• Text Message Scam: Avoid clicking links from texts claiming your account needs restoration. Vibe will never send unsolicited texts asking for verification.
• Mail Theft Check Fraud: Protect your mail. Report suspicious activity or stolen checks to USPS Postal Inspectors at 1-877-876-2455 or USPS.

AARP compiled a list of the top 7 scams to watch out for:

• Cryptocurrency-romance: Scammers pose as romantic interests, urging victims to invest in fraudulent cryptocurrency platforms.
• Payday loan: Fake lenders require upfront fees for payday loans, leaving victims without a loan or their money.
• One-time password (OTP): Fraudsters trick victims into revealing authentication codes to gain unauthorized account access.
• Student loan forgiveness: Phony websites and aggressive callers exploit those seeking debt relief by collecting personal data and fees.
• Puppy purchase: Scammers demand money for puppies online, then continuously request additional funds for fake expenses.
• Check washing: Thieves chemically erase checks from mailboxes, rewriting higher amounts for fraudulent cashing.
• Free-gift QR code: Fake QR codes redirect users to malicious sites under the guise of offering free gifts.