Important Information Regarding Fraud Alert

shutterstock_2213369We want to remind you about how to protect your accounts.
Recent attempts to obtain account information and/or access to funds have been reported on Long Island and the New York metropolitan area. Please take steps to protect your accounts from fraud.
Phishing Scams - Keep your personal information private

  • Never provide any personal information such as account number, password, social security number via email. We will never ask you for personal information via email.
  • Do not respond to any requests to validate your account by providing personal information via email even if the email indicates there may be unauthorized charge on your account or contains a threat to close your account if you do not respond.
  • Never confirm, verify, or update your account information via email.

ATM Skimming - Follow these simple precautions

  • Avoid ATMs that are hidden or in out-of-the-way places. These are easy targets for thieves to place skimming devices or tiny cameras.
  • If any part of the ATM looks or feels unusual (if it feels loose when you insert your card, for instance), do not use the machine.
  • Cover the keyboard when you enter your PIN. This will prevent your PIN from being stolen by a hidden camera. And remember, never give your PIN to anyone!
  • Check your balances regularly by using Call-24, Mobile-24, or Access-24 Online Banking. Contact us as soon as possible if you notice anything suspicious.

Remember, if you are ever unsure, call the number you know: 718-658-9800.
If you suspect you have received a fraudulent email, text, or phone call, let us know.
Call 718-658-9800 to report any suspicious activity.

Stay Cyber Secure – Protect Your Information
The Internet can be a scary place to do business, which is why you need to be diligent about protecting your personal data from fraudsters. Wednesday, January 28 is Data Security Day, and the National Cyber Security Alliance suggests following these tips to keep your identity safe.

Keep A Clean Machine
Protect against viruses, malware and other online threats by being up to date on the latest security software, web browsers and operating systems. This holds true for mobile devices as well.

Delete If It Looks Suspicious
Links in email, social media and online advertising can lead to you downloading viruses or getting caught in phishing scams. If it looks suspicious, even if you think you know the source, delete or mark as junk mail, and don’t click on links you don’t know.

Scan External Devices
USB drives and other external devices can contain viruses. Make sure you scan each device before using.

Think Before You Click and Send Information
Don’t reveal personal or financial information in an email, and don’t respond to email solicitations for this information. Before sending sensitive information over the Internet, check the security of the website, and pay attention to the website's URL to make sure it’s one you trust.

Change Passwords Often
Make passwords long and strong. Combine capital and lowercase letters with numbers and symbols to create a more secure password. Creating separate passwords for every account helps to thwart cybercriminals.

Shop Safely
Check out online sellers, make sure the site is legitimate, and use secure forms and payment options when buying online. Look for secure sites with “https://” or “shttp://”, which means the site takes extra measures to help secure your information. Also, turn off your computer at night. Having it on gives fraudsters 24/7 access to hack into your private information.

Melrose Credit Union uses the most updated technology available to protect
your accounts on our end. If you ever see suspicious activity on any of your
accounts, please contact us immediately – we are here to help.


Card Fraud Detection - Upgrade Coming Soon

shutterstock_145578256As part of our continuing effort to bring the best technology and service to our members, Melrose Credit Union is upgrading the Card Fraud Detection and Notification System. The system will provide more immediate attention to notify members faster when fraud is suspected. The notification portion of the system includes a state-of-the-art automated assistant to help members review transactions and confirm their spending activity.

We Have You Covered
If you receive a notification call from the automated assistant, please answer all the questions regarding recent card activity. Also, be aware that the Card Member Security is available 24/7 to notify you of any situation that requires immediate attention and/or action.

We React At the First Sign Of Trouble
If suspicious transactions are identified as fraudulent, calls will be transferred to the support team at Card Member Security
to help you take the necessary precautions to protect your cards and related accounts. If the recent activity is legitimate,
members will be able to close the case with the phone attendant using their touch-tone phone.

Thank you for your support during this upgrade and, as always, thank you for being a member of Melrose Credit Union.


Melrose Credit Union Fights Fraud
At Melrose Credit Union you can feel safe knowing that we utilize industry-leading technology to protect your accounts 24/7 against fraud and respond immediately to any suspicious activities. If a transaction is made with your Debit card that is not consistent with your normal spending patterns, an alert is created by our fraud detection partner, Falcon.

You Can Help!
To ensure our process is effective, it is imperative that we have your updated phone numbers, or call Falcon 24/7 at 1-800-437-9392 to verify transactions.

To register for this free service visit: or when checking out with participating online merchants.


Social Media Keeps Us Engaged. It Makes Connecting Easy. But Are You Vulnerable?
Take this quiz to see how much of your personal information is at risk for over-exposure in the public domain. It’s wise to take steps to protect your data – even if you presume your favorite social site, and material you share, is safe.

  • Do you have a public profile that is visible?
  • Is your birthday available and shared?
  • Is the name of your high school available and posted?
  • Do you share your pet’s name?
  • Do you share your phone number or personal email address?
  • Do you have a social networking account with one or more of the following providers: Google, LinkedIn, Twitter or Facebook?
  • Do you use a smartphone to share or discuss any of this information?

If you answered yes to just one question, it’s a good idea to review your social media practices; and remove personal information that could be used to tamper with your identity.

Remember, how you interact with social media sites can impact your personal security.