Protect your money and yourself against fraud.

• 我们鼓励CQ9电子所有会员定期检查他们的帐户交易活动，他们不认识, including fraudulent deposits.
• 这些存款通常在欺诈者已经取走之后被当作假币退回, leaving you responsible for that amount.
• If you find a suspicious transaction, immediately notify ACFCU for potential fraud to protect yourself.

略读从信用卡或借记卡上获取磁性信息，并将其用于欺诈目的. To help prevent your card from being skimmed:

• Don’t use an 自动取款机 or credit card machine that looks tampered with.
• Protect your PIN with your hand when you enter it into an 自动取款机 or credit machine.

网络钓鱼诈骗包括“欺骗”电子邮件和欺诈网站，它们看起来像是由你已经认识的人或组织发送的，并要求你提供或“验证”你的个人信息, private information (passwords, credit card numbers, account numbers, 等.). To avoid phishing:

• Be cautious when using the internet and responding to telephone solicitations.
• 对任何标明紧急请求并要求提供个人信息的电子邮件要保持警惕.
• Do not click on the links in an email you’re unsure is authentic.
• 寻找 “http://” to appear in front of a web address when giving your debit or credit card info.
• Review your statements regularly.
• 对那些声称来自你的金融机构并要求你提供信息的电子邮件要保持怀疑.
• Install a firewall and anti-spyware on your computer.
• Update your browser with 安全 patches regularly.

短信诈骗, a combination of “SMS”, the technical term for 文本ing, and “phishing,，通过短信提示个人向“SMiSher”提供个人信息, private information. To avoid 短信诈骗:

• NEVER respond to 文本 messages requesting personal, private information. If suspicious activity has been detected on your account, 我们会打电话或发短信，您可以按照说明回答有关您最近刷卡活动的问题.

Identity theft, the fastest-growing crime in the country, occurs when someone steals someone else’s personal, private information and then pretends to be that person. Minimize your risk of identity theft:

• 永远不要在电话/互联网上泄露个人信息，除非是你主动发起交易.
• Do NOT carry your social 安全 card in your wallet.
• 把你随身携带的所有卡片和信息都复印一份(正面和背面)，以防钱包被盗，并把它们放在安全的地方.
• Destroy all unused preapproved credit card offers immediately.
• 每天及时将邮件从你的邮箱中删除，如果你打算出城一段较长的时间，请让邮局保留你的邮件直到你回来.
• Check your FREE credit report annually to ensure all information is accurate.