- Protecting your cards from suspicious activity, Visions has an extra fraud prevention program to protect your credit and debit card. You may encounter some instances where your transaction could be declined if the activity is considered extremely suspicious. If your card is denied for a legitimate transaction or if you discover unusual activity in your account, please call us at, 800.242.2120, . Always monitor your statements or review your accounts online to watch for unusual activity. If you see a suspicious transaction, be sure to contact us immediately. And we'll do the same... To verify transactions that seem suspicious or unusual, we may text you from our Fraud Monitoring SMS short code: (23618)., We strongly encourage you to save 23618 to your phone's contacts as Visions Fraud Monitoring, . That way, you'll know when it's us texting you – and not a scammer !, Learn more about fraud protection and account security, ., Have you had card problems?, If you have experienced any of the following issues, please call 833.224.5785 (available 24/7): Lost cards Stolen cards Card disputes or unauthorized charges on your card , Prevent Card Fraud through Digital Banking Alerts and Controls, Use our convenient services available through Digital Banking to protect yourself., Get alerts of any unusual activity or charges on your Visions debit and credit cards., Charges above a dollar amount you choose Visa® alerts Security alerts related to Digital Banking Learn more about alerts., Increase security with Card Controls in digital banking., Lock or unlock your card to allow or prevent new purchases Report fraudulent transactions on your card Order a card replacement Learn more about digital banking. Are you concerned about fraud or want to report a scam? Please contact us if you believe you have received a suspicious email, text message, or phone call from Visions, or if you provided any of your personal information including your…
- For your online safety and security..., The following are some helpful tips when shopping online:, Beware of: , Deals for Black Friday and Cyber Monday, which may contain mobile malware Malicious screensavers, ringtones, and e-cards Make anti-virus software, which may trick you into purchasing the software Social media scams, such as phony Facebook pages, Twitter accounts, online promotions, and contests Scammers advertising popular holiday items Free mobile apps, attempting to steal your information…, Do the following to help protect yourself:, Secure your computer - at a minimum, have anti-virus, anti-spyware, and a firewall Set up alerts , so you always know when transactions are above a certain limit Turn off your computer when you're done shopping Research the seller of items before you buy Monitor your credit, debit, and account numbers used for online shopping to help identify any unauthorized usage Post vacation pictures after…, Learn to stay safe online, About "phishing" and "spear phishing", Visions Federal Credit Union makes every effort to ensure that our members' information is safe and secure., A potential threat involving online account access involves email and internet-related fraudulent schemes, such as "phishing" are being perpetrated with increasing frequency, creativity, and intensity. Phishing involves the use of seemingly legitimate e-mail messages and Internet websites to deceive members into disclosing sensitive information, such as bank account information, Social Security…, There is no guaranteed product or service to protect yourself from a "spear phishing" attack. It is important to educate yourself and be wary of any emails received containing attachments or directions to follow links and input data., Do the following to help protect yourself:, Never assume that recognizing the email address means it is safe Do not open an unexpected email that contains an attachment. It could contain malware, even if it's not "spear phishing" malware Ask friends and coworkers to notify you before they send an email with an attachment Don't take any chances. If you're unsure about an e-mail or attachment, delete it Check out our tips for protecting…, Prevention Tips:, 1., Password Strength, : Use strong passwords. These are at least twelve characters in length, alphanumeric, case sensitive, and require the use of at least one special character (e.g., !, #, $, %, etc.). And change your most important passwords every two months or more. 2., Multi-factor authentication (MFA), : If you can set up Face-ID, push notifications, or secure access codes to strengthen your login, then do it! MFA is one of the strongest security measures to keep you aware of login attempts on your digital accounts 3., Security Software, : Protect your home computer with anti-virus and spy-ware software and a firewall. Update your software frequently! 4., Time and Date of Last Access, : Check the date and time that your account was last accessed after logging into your account. This may help you identify unauthorized access. 5., Logout Procedures, : Logout of your online banking session by clicking the logout button* rather than just simply closing the browser window or using the "backspace" key., *Please keep in mind that if you are using Visions digital banking and Bill Pay in your internet browser, you should click "log out" each session to fully be logged out., 6., Reconcile Accounts, : Reconcile all accounts and transactions on a daily basis instead of monthly. 7., Type the URL, : Never access a website from a link in an email, especially if it's asking for personal information., Be aware of: , 1., Public Access Computers, : Computers accessible to the public may be infected with viruses and/or malicious software, such as key loggers. 2., E-mails offering a prize or discount, : these may ask you to enter a user ID and password, which thieves will collect to gain access to your accounts. 3., Grammar and spelling:, Fraudulent e-mails often contain poor grammar or misspelled words. 4., Email is Not Secure, : Do not include personal or sensitive data in an e-mail. It could be intercepted. 5., Anyone asking for your Secure Access Code, : Your Secure Access Code is part of MFA and identity verification for you to enter into your own account. We will never ask for your Secure Access Code via text, email, or over the phone. Are you concerned about fraud? Want to report a scam? Please contact us if you believe you have received a suspicious email, text message, or phone call from Visions, or if you provided any of your personal…
- Who Are You? Identity Thieves Really Want to Know, Take these steps to protect your personal information:, Shred financial documents and paperwork containing personal information before you discard them Don't use an obvious password like your birth date, your mother's maiden name, or the last four digits of your Social Security number Keep your personal information in a secure place at home such as a safe or lockbox, especially if you have roommates, employ outside help, or are having work done in…, If you believe you are a victim of Identity Theft, please contact us immediately at 800.242.2120 and utilize the helpful information below., , Identity Fraud - General Information, Identity theft and identity fraud are two of the fastest growing crimes in the United States. They occur when someone gains access to another person's personal information, such as a driver's license number, and uses the information to commit fraud. If you are a victim of identity theft or fraud, here are a few tips..., Write or call all of your creditors immediately. , Request a replacement credit card with a new account number. Ask that old accounts be marked "account closed at consumer's request." Monitor your credit card statements for evidence of fraud and report it immediately to creditors. Creditors may ask you to fill out and notarize fraud affidavits; however the law does not require that a notarized affidavit be provided to creditors. A written…, Keep a Log., Log all conversations related to your identity fraud case, including: Dates Names of people you talked to Telephone numbers of the agencies you called The time you spent on each conversation Expenses incurred, Follow up., All conversations with a written note, sent by certified mail, return receipt requested. Keep copies of all letters and documents., Call credit bureaus., Immediately call the fraud units of each of the three major credit bureaus - Experian, Equifax, and Trans Union - to report the theft or loss of your credit card(s)., Under the Fair Credit Reporting Act, you can ask the credit bureaus:, To have your account flagged with a "fraud alert" and place a victim's statement in your file requiring creditors to call you before opening any new accounts or making any changes to your existing account. For the names and telephone numbers of creditors if any fraudulent account(s) have been opened. To remove fraudulent entries from your credit report. To notify those entities that have received…, File a Police Report., Report the identity fraud crime to the law enforcement agency with jurisdiction in your case. Give them as much documented evidence as possible. Ask for a copy of your police report. Keep the telephone number of the fraud investigator handy because creditors may require you to submit a copy of the report in order to verify the crime. Additional Considerations, Fraudulent Financial Instruments, If your checks are stolen or bank accounts are set up fraudulently in your name, report the fraud to the check verification companies. Put stop payments on any outstanding checks that you may not have written. Cancel your accounts and open new ones. If possible, give the bank a password for your account, other than your mother's maiden name., Compromised Cards and PINs, If your credit or debit card has been stolen or compromised, request a new card, card number, and password. Do not use your old password. When you create a new password, do not use numbers that are readily available based on your personal information, such as the last four digits of your Social Security number or your birth date., Fraudulent Change of Address, Notify your local Postal Inspector if you suspect that someone has changed your address with the post office or has used the mail to commit credit or bank fraud. Contact your local Postmaster to have your mail sent to the correct address. Alert your mail carrier to the problem., Social Security Number, Call the Social Security Administration at 800.269.0271 to report the fraudulent use of your Social Security number. The SSA will change your Social Security number if you meet the agency's fraud victim criteria. Also, call 800.772.1213 to order a copy of your Earnings and Benefits Statement and check it for accuracy. , Resources and Agencies, To contact the three major credit bureaus..., Equifax, : P.O. Box 740256, Atlanta, GA 30374-0241, Report fraud, : Call 800.525.6285 and write to the above address, Order credit reports, : 800.685.1111, Have your name removed from their marketing lists, : 888.567.8688, Experian, : P.O. Box 949, Allen, TX 75013-0949, Report fraud, : Call 888.397.3742 and write to the above address, Order credit reports, : 888.397.3742, Have your name removed from their marketing lists, : 888.567.8688, TransUnion, : P.O. Box 1000, Chester, PA 19022, Report fraud, : Call 800.680.7289 and write to: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634, Order credit reports, : 800.916.8800, Have your name removed from their marketing lists, : 888.567.8688 To remove your name from mail and phone lists..., Visit the following website:, For mail and email: www.DMAChoice.org For telephone: www.donotcall.gov To report fraudulent use of your checks..., Call, :, Chexsystems, : 800.428.9623, Certegy, : 800.237.3826, Telecheck, : 800.710.9898 To obtain addition information about Identity Theft and Fraud..., Here are some helpful links:, Protecting Seniors from Financial Abuse Department of Justice Federal Trade Commission Federal Communications Commission Internal Revenue Service Social Security Administration U.S. Postal Inspection Service Internet Crime Complaint Center , Are you concerned about fraud or want to report a scam?, Please contact us if you believe you have received a suspicious email, text message, or phone call from Visions, or if you provided any of your personal information such as your account number. You may contact a representative in our Contact Center during normal business hours at, 800.242.2120, . If you'd like to report any card related fraud, please call, 833.224.5785, (available 24/7).
- Endwell, NY – Visions Federal Credit Union, serving a three-state footprint in New Jersey, New York, and Pennsylvania, announced today that it is recognized as one of America’s Best Regional Banks and Credit Unions 2025 by Newsweek and Plant-A Insights Group. Newsweek and Plant-A Insights Group recognized top regional banks and credit unions, , in the United States by conducting a large-scale study based on the analysis of over 9,000 institutions, more than 70,000 customer surveys, and millions of social media reviews. “We are honored to be recognized among Newsweek’s America’s Best,” says Celeste Reardon, Visions’ Regional Member Experience Development Manager. “This achievement reaffirms our commitment to excellence in delivering…, About Visions Federal Credit Union, Visions Federal Credit Union is a not for profit financial institution completely owned by its members. Established in 1966, Visions proudly serves over 250,000 members in communities throughout New Jersey, New York, and Pennsylvania. Services include banking as well as auto, home, personal, and business loans. Federally insured by NCUA. Equal Housing Lender. Ref: Visions FCU press release,…
- Visions will NEVER ask for your personal or financial information via email or text message. But many scam artists will!, If you were tricked into giving out your confidential account information by a scammer, please call us immediately at, 800.242.2120, . You can also call this number if you gave out your Access Card/Debit Card/Credit Card information., Phishing – emails, Email "phishing" scams target financial institutions. Most likely these scams send email to millions of people and may include some text and graphics from a website. They will ask you to provide personal information after following a link in the email. Be suspicious - the website may well be a fake created to get personal information from you. Do not follow or click on any web link in an email…, Vishing – phone calls, Vishing is similar to phishing but uses telephone lines as the means to scam you. It uses technology to trick caller ID and other security systems. The caller will then try to get your credit card number or other personal information., Smishing – text messages, Smishing uses text messages on your cell phone as the means to scam you. The smishing message usually contains something that wants your “immediate attention.” The text message may include a linked website URL or a phone number that connects to automated voice response system. A popular example is, “, (Name of a financial institution): Your account has been suspended. Call ###-###-#### immediately to reactivate., ” The “hook” will be a legitimate looking web site or telephone voice response system that asks you to “confirm” or enter your personal financial information, such as your credit/debit card number, CVV code (on the back of your credit card), your ATM card PIN, Social Security number, and other details like your Secure Access Code to digital banking. Remember, Visions will, never, ask you to provide your Secure Access Code., How do I know if a text message is legitimate?, Here's a list of authentic numbers used for Visions-related text messages and transaction verifications: 23618 – Debit/Credit Card transaction verification and fraud monitoring 86434 – Digital banking login and transaction verification 833.845.2800 – Zelle ® transaction verification 83281 – Visions Loan Payments and reminders If you’re ever unsure if a text message or phone call is legitimate, do…, 800.242.2120, to verify the information or visit your local branch., Are you concerned about fraud or want to report a scam?, Please contact us if you believe you have received a suspicious email, text message, or phone call from Visions, or if you provided any of your personal information including your account number. You may contact a representative in our Contact Center during normal business hours at, 800.242.2120, . If you'd like to report any card related fraud, please call, 833.224.5785, (available 24/7).
