Think it has already happened?
Do not wait to be certain. Contact us straight away — the faster we know, the more we can stop. Then change your password and check your recent transactions.
What Seabridge Credit Union will never do
If any of the following happens, it is not us. Stop, hang up, and call the number printed on your card.
Ask for your full password, PIN, or one-time code — not by phone, email, text or in person.
Call you and ask you to move money to a "safe account". No such account exists.
Ask you to install remote-access software so we can "fix" something.
Pressure you to act within minutes, or tell you to keep the conversation secret.
Email you a link that goes straight to a login page asking for your credentials.
Ask you to pay a fee, tax or fine in gift cards, crypto, or vouchers.
Six signs you are being scammed
Fraud rarely looks obviously fake. It looks official, sounds helpful, and gives you a reason to hurry.
The address is almost right
Scam sites use lookalike domains — an extra word, a hyphen, or a different ending. Check the address bar character by character before you type anything.
Urgency you did not expect
"Your account will be closed today." Real security problems do not depend on you acting inside five minutes.
A request to move money
Any instruction to transfer your balance somewhere for safekeeping is a scam, however convincing the caller sounds.
The caller already knows things
Knowing your name, address or recent purchases proves nothing. That information is widely available and is used to build trust.
Payment in an unusual form
Gift cards, cryptocurrency and money-transfer services are chosen by fraudsters because the payment cannot be reversed.
A number that "confirms" itself
Caller ID can be faked to show our real number. Hang up and dial the number on your card instead.
Six habits that do most of the work
Turn on two-factor authentication
It is the single most effective thing you can do. A stolen password alone is then not enough to reach your money.
Use a unique password here
If a password is reused anywhere else, a breach at that other site becomes a breach of your bank account.
Keep alerts switched on
Transaction alerts mean you find out about an unauthorised payment in seconds rather than at month end.
Keep your devices updated
Most successful attacks use a flaw that was already fixed in an update the victim had not installed.
Avoid banking on public Wi-Fi
If you must, use your mobile data or a trusted VPN rather than an open network.
Review access regularly
Check the devices and sessions signed in to your account, and remove anything you do not recognise.
Four things, in this order
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1
Contact us immediately
Use the number on your card. Tell us what happened, even if you are not sure it was a scam.
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2
Change your password
From a device you trust. If you reused that password anywhere else, change it there too.
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3
Check recent activity
Look for payments you do not recognise, new payees, and changes to your contact details.
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4
Keep the evidence
Do not delete the message or call log. It helps us and, where relevant, the authorities.