Unity One Credit Union

Unity One CU informs: How to avoid 'neighbor-spoofing' phone calls

Mon, Sep 10, 2018 @ 02:05 PM / by Alyssa Guillory posted in fraud, spoofing


Originally written by the Better Business Bureau of Western PA


Are you experiencing an increase in the number of local calls to your home and/or cell phone? You’re not alone. This phenomenon is called “neighbor spoofing” and it’s the latest caller ID spoof strategy being used by phone scam artists in an attempt to get people to answer the phone. 

For phone scams to be successful, scammers need people to pick up the phone so they can initiate the conversation. Neighbor spoofing uses a spoof caller ID to trick a person into thinking somebody local, possibly even someone they know, is calling. According to experts, this may interest someone just enough to answer their phone. 

Con artists and robocallers use technology to modify what phone numbers appear on caller ID, impersonating phone numbers from neighbors, friends and local businesses to try to get you to answer the call. In many instances, it is a random number with the same area code and first three digits as your own phone number. In other cases, the number displays as coming from a local business or person in which you’ve previously communicated.

Answering one of these caller ID spoofed calls will indicate to the robocaller that you have an active phone line. Active phone lines are valuable to phone scammers and will often put you on what is referred to as a “sucker list,” potentially opening your phone line up to more scam calls. 

Here are a few BBB tips to help identify and handle “neighbor spoofing” phone calls:

  • Avoid answering calls from phone numbers you don’t recognize, even if they appear to be local. If it’s important, the caller will leave a message. 
  • If your own phone number is used in a caller ID spoof call, you may receive calls and messages from people asking why you called them in the first place. This can lead to a lot of confusion between the two parties, but knowing your own number can be used by scammers may help explain the situation. 
  • Be aware that phone numbers of local businesses, including doctor’s offices and/or insurance agents, may appear to be calling you. If you’re not certain whether the call is legitimate or a spoof, hang up and dial the known phone number for the contact to verify the communication, especially if personal and/or financial information is being requested.
  • There are call blocking apps that may help decrease the amount of spam calls, including those using a spoof caller ID. Your phone carrier may also provide a similar service or offer advice.
  • Make sure your phone number is on the National Do Not Call Registry. Though it is unlikely to prevent most phone scam calls, it will help to reduce calls received from legitimate telemarketers, which can be helpful in screening fraudulent calls. 

And remember, Unity One Credit Union will NEVER ask you for unsolicited personal or account information. If you receive such a phone call, please hang up and call us at

For more information on nuisance calls, contact the Federal Trade Commission (FTC) and report phone scam calls to BBB Scam Tracker.

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Unity One CU informs: 3 Tips to Protect Yourself Against Fraud

Mon, Jun 18, 2018 @ 02:58 PM / by Alyssa Guillory posted in fraud


shutterstock_412668235 smallA recent report by Cybersecurity Ventures predicts cybercrime will cost the world $6 trillion annually by 2021.

With that staggering statistic in mind, we'd like to share three tips to help prevent you from becoming a victim of fraud. 

1. Be selective of who you give your account information to. When you give your account information to somebody, they can then use your account and routing number to perform unauthorized transactions on your account. It's easier than ever to send money electronically, create fraudulent checks or use a debit card for online purchases.

2. Only give account access to joint account owners. Allowing anyone online access to your account when they are not a joint account holder allows them direct access to your money. It allows them to transfer funds out of your account online without your knowledge, or make fraudulent deposits via mobile banking. These deposits will utimately be returned and you will be responsible for any negative balance or fees associated with the returns. 

3. Never accept money, transfers or checks from someone you don't know. Fraudsters will often ask you to fraudulently deposit money into your account and return a portion of the funds via cash or gift cards. They even allow you to keep a portion of the deposit for your trouble. The problem? Again, the deposits will be returned and you will be responsible for the full amount plus fees.   

Remember: if it seems too good to be true, it probably is. It's up to you to help keep the fraudsters out of your account. 

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Unity One CU Informs: Debit Card Fraud Still Rising

Tue, Apr 03, 2018 @ 07:43 PM / by Unity One posted in debit card fraud, fraud, debit card



In 2017, FICO reported that the number of debit cards compromised at ATMs and merchant devices in the U.S. rose 10% over the previous year. While it’s less of a jump than we have seen in recent years, the continuing trend of fraud is concerning.

The number of hacked ATMs and merchant card readers also rose in 2017, by 8%, according to FICO. While card companies have taken steps in the past few years to reduce fraud, including issuing cards with chip technology, such as that found in your Unity One Debit card. The chips use Europay, MasterCard and Visa technology standards to create a unique code for each transaction, making the card practically impossible to copy. The generation of this code and reading of the chip is one of the reasons members find that transactions with your debit (or credit) card take longer at the point of sale than a simple swipe does.

Criminals responded to EMV capability by developing other methods of hacking ATMs and merchant point of sale terminals. Here are some ways to protect your debit card and ATM transactions from potential criminals. 

Guarding Against Fraud

Check the location. Select an ATM that gets a lot of foot traffic or is in a brightly lit area. If possible, make it a routine to use a Unity One Credit Union ATM at a branch location near you.

Check the card reader. Be on the lookout for anything odd about the ATM or card reader at a store. If your card doesn’t enter an ATM smoothly, for example, a skimmer device could be attached to the opening. Another good tactic is to try and wiggle the card reader before inserting your card. If anything moves or dislocates itself from the card reader, go elsewhere for cash immediately.

Check your account. Review your checking account and credit card statements regularly for unauthorized transactions. If your card has been compromised, notify Unity One Credit Union or the applicable financial institution immediately.

Check with Unity One. Ask Unity One for a new card if you believe your card has been compromised, even if there’s not yet evidence of fraud. That way, we can take steps to notify the owners of the ATM in question or the store where fraud is believed to be occurring. You’ll be protecting yourself and other members, too.

Unfortunately, card fraud is an increasing problem, and one that is not likely to go away anytime soon. However, by taking steps to protect yourself and your card, you can keep your money out of a criminal’s hands and avoid the hassle of replacing your debit or credit card.

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Unity One CU informs: Arby's confirms breach

Fri, Feb 10, 2017 @ 02:14 PM / by Alyssa Guillory posted in debit card fraud, fraud


According to an online MSN article posted on February 9, 2017, the Atlanta, Georgia-based Arby's revealed in a statement that malware was placed onto their point-of-sale systems. The breach affects only company-owned locations, not its franchises. 

What does this mean? Basically, payment card information of customers that used cards at affected stores during the time frame, may be at risk.

Arby's has since launched an investigation of its payment card systems after learning of a possible data breach. The company immediately notified law enforcement and hired computer security companies to investigate. 

Please take the necessary precautions:

  • Check your account regularly.
  • Make sure that the credit union has updated contact information for you.

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About Unity One Credit Union

Established in 1927, Unity One Credit Union is the oldest credit union in Texas. A member-driven and not-for-profit cooperative, Unity One CU served the employees and families of the BNSF Railway for 70 years. However, after transferring its corporate headquarters to Fort Worth in 1998, the credit union expanded its field of membership to include other non-railroad companies, organizations and individuals. 

Today, anyone who lives, works, worships or attends school in Fort Worth, Blue Mound, Saginaw, Haslet, Keller, Colleyville, Bedford, North Richland Hills, Southlake, St. Paul, MN and Kansas City, KS may apply for membership. Unity One CU has eight branches to serve over 30,000 members nationwide. For more information about Unity One Credit Union, visit www.unityone.org. Think outside the bank.™

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Unity One CU Informs: Enhanced fraud protection for members

Fri, Jul 01, 2016 @ 09:48 AM / by Erayne Hill posted in credit card, fraud


You will begin receiving texts and/or e-mails this summer from Unity One Credit UnioCreditCard7-resized-187.jpgn, asking you to confirm if suspicious purchases are valid or not. We will only ask you to verify if you did make the purchase(s) or not. We will not ask for account or personal information. Keeping you protected is important to us, and we are excited to offer these new enhanced fraud services to you.

IMPORTANT: The credit union can only do this effectively, if it has your correct contact information. It is critical that you provide accurate mailing addresses, e-mail addresses and telephone numbers to Unity One Credit Union. Here are a a couple of ways to do so:
  • Online banking
  • Contacting the credit union online or via e-mail or phone.

If you have any questions about this new fraud communication, please don't hesitate to contact Unity One Credit Union at 1.800.628.5517 or mbrservice@unityone.org.

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