Protect Your Identity

At LBS Financial, we're here to serve you and help you secure your assets. Learn how to better protect your identity on the Internet and in your interactions with merchants.

Email Fraud/Phishing Alerts

Email and Telephone Fraud
Internet scams, email fraud or phishing (pronounced "fishing") are attempts to fraudulently acquire sensitive personal information (i.e. account numbers, passwords, social security numbers, credit card details, etc.). In a typical case, phishing involves the use of email messages impersonating your financial institution, a reputable company that you or we normally conduct business with or a government agency; including one of the federal institution regulatory agencies.

Phishing emails always have a sense of urgency. The email will probably warn you of a serious problem that requires your immediate attention to respond. It will then urge you to click on a "button" or link where you will be asked to enter or confirm your personal information. The website may look legitimate but it is NOT! Do not click on the requested link and submit your personal information.

It’s also important to be aware of “vishing,” a type of telephone fraud that is very similar to phishing but uses Voice Over Internet Protocol (VoIP), which allows people to talk over their computer lines, and can allow for multiple dialings of numbers at the same time. Scammers may work from a list of regional phone numbers, but what they mainly do is call everyone they can and leave an automated message saying the person’s credit card or bank account has been compromised, depleted or closed.

LBS Financial Credit Union will NEVER email or call to ask for your personal information.

Scam Examples


June 27, 2017 - Text messages and phone calls have been circulating from fraudsters posing as LBS Financial Credit Union, and other credit unions, asking for the consumer to call a number and enter their  ATM/debit/credit card number to reactivate a suspended card or validate card information. We would never text message or call our Members and ask them to call a number and provide full card numbers. Please be aware this is a scam and do not respond. When called, one of the numbers provided has a recording that says you are calling “LBS Financial Credit Union.” This is not legitimate.


August 23, 2016 - The National Credit Union Administration has received consumer calls about a suspicious text message claiming to come from the agency. The message reads: “National Credit Union Administration Alert for (recipient's phone number). Contact 844-234-5445.”


This is not a communication from NCUA. The agency does not seek personal information through the internet or on the telephone. Please contact NCUA's Consumer Assistance Center at 1.800.755.1030 between 8 a.m. and 5 p.m. Eastern time if you receive one of these messages. NCUA also recommends contacting your credit union and local law enforcement.


June 7, 2015 - The CO-OP Financial Services is alerting consumers that there is a CO-OP Mobile text phishing scam that some credit union members are experiencing. This fraudulent attempt to capture account information is done with an automated SMS/text message referring to themselves as CO-OP Mobile.
The text message requests members to enter their account information (including ATM PIN number). Members should avoid clicking links within the text messages and not respond to these messages that request account information. CO-OP Mobile SMS/text Messages do NOT ask members for account information including ATM PIN numbers. Members that may have felt they have responded to this scam should change their password as well as their PIN immediately.


April 27, 2015 - The Internal Revenue Service (IRS) is alerting consumers that an aggressive and sophisticated phone scam targeting taxpayers, including recent immigrants, has been making the rounds throughout the country. Callers claim to be employees of the IRS, but are not. These con artists can sound convincing when they call. They use fake names and bogus IRS identification badge numbers. They may know a lot about their targets, and they usually alter the caller ID to make it look like the IRS is calling. Victims are told they owe money to the IRS and it must be paid promptly through a pre-loaded debit card or wire transfer. If the victim refuses to cooperate, they are then threatened with arrest, deportation or suspension of a business or driver’s license. In many cases, the caller becomes hostile and insulting. Or, victims may be told they have a refund due to try to trick them into sharing private information. If the phone isn't answered, the scammers often leave an “urgent” callback request.


The IRS will never: 1) call to demand immediate payment, nor will the agency call about taxes owed without first having mailed you a bill; 2) demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe;

3) require you to use a specific payment method for your taxes, such as a prepaid debit card; 4) ask for credit or debit card numbers over the phone; or 5) threaten to bring in local police or other law-enforcement groups to have you arrested for not paying.


March 25, 2015 - The National Credit Union Administration is alerting consumers that texts they receive from an agency telephone line, 703-518-6301, asking for personal information are not coming from NCUA.The texts may warn of a debit card reaching its limit or use some other trick to persuade individuals to provide personal information or go to a malicious website. Consumers should not click on links in the message, provide information to any websites referenced in the message nor attempt to conduct any financial transactions through those websites.


March 17, 2015 - The National Credit Union Administration has received reports of an online phishing scam that uses a website with a logo and a design similar to the agency’s own site in an attempt to convince unwary customers to provide information or send money.


December 20, 2013 - Multiple credit unions have recently reported a phishing scam they are experiencing. This fraudulent attempt to capture card number PINs is done with an automated telephone service from various phone numbers. One recent phone number reported is 877.277.3125, however there could be various numbers used. The message indicates the member’s debit card may have been compromised and has been placed on a hold status. In order to activate the card, the message asks the member to press 1 to unblock their card. There are so many ways for perpetrators to attempt to get personal information, including the use of auto-dialers and text messages. It is important to limit the release of personal information in order to protect yourself from fraud.

Anyone who receives an email from a financial institution that appears to be a scam can forward it on to
The National Credit Union Administration is a federal regulatory agency. It does not maintain financial accounts for credit union members.
The National Credit Union Administration is a federal regulatory agency. It does not maintain financial accounts for credit union members.
The National Credit Union Administration is a federal regulatory agency. It does not maintain financial accounts for credit union members.
The National Credit Union Administration is a federal regulatory agency. It does not maintain financial accounts for credit union members.
Verified by Visa is a real security system used by Visa. Like most phishing techniques, this one takes your concern about security and attempts to trick you into providing personal information.

PIN Reversals - Not a Safety Option

Your safety at the ATM
The Internet can often quickly spread “urban myth” stories but few stories gain such rapid appeal with so many potentially negative impacts on cardholder safety and confidence as the misleading stories circulating the Internet regarding PIN reversal to signal duress. PIN reversal technology is a concept based upon the possibility that a cardholder could remember (and reverse) his or her PIN (password) at an ATM to draw attention to a dangerous situation like a kidnapping or a robbery. Critics say that it is unlikely that anyone under duress could successfully employ this technique without compromising personal safety.

Financial institutions within the United States have not deployed this technique despite several well circulated email chain letters that have misstated this fact. If you have read information on the Internet to use PIN reversal as a safety method, it's important for you to know that LBS Financial does not have the capability to read a PIN reversal as a request for help. Digital cameras are still the best security available at the ATM.

Report Fraud

If you receive a suspicious text, email or telephone call claiming to be from LBS Financial Credit Union requesting personal information, please do not reply or return the call. Instead, contact us immediately at 800.527.3328 or send an email to to report the suspicious activity and to ensure that your account is in order.

Other reporting resources are:
  • Report vishing calls to or call 888.382.1222. The FTC wants the number and name that appeared on the caller ID as well as the time of day and the information talked about or heard in a recorded message. If you received a phishing email you can forward it to the FTC at or the Internet Crime Complaint Center at
  • If you think you’ve been tricked by a phishing email and have given out personal information, contact the Credit Union immediately (if it applies to your account here) to block your account. You may also file a report with the FTC at

Protecting Your Identity on the Internet

  • Be suspicious of urgent emails requesting your financial information and threatening to terminate or suspend your account unless you respond electronically. Call us as your financial institution to verify if we sent you an email regarding your account or log onto our website directly by typing in our web address ( in your browser. Do not click on the link that was provided to you in the suspicious email.
  • Never click on links in email messages that ask you to provide or confirm your private information. Links can easily conceal the true destination. The destination website may be programmed to automatically download and install software called "malware." If in doubt, call the financial institution or merchant to see if in fact there is a problem with your account.
  • When providing private information on a website, make sure of the following:
    1.) That your web session is encrypted and
    2.) That you're really on the site you're on.
    Sites that encrypt your session have addresses that start with "https" instead of "http." The "s" stands for "secure" which means your session is encrypted. Gold padlock or key icons at the bottom of the screen indicate a secure website but note that they too can be faked. Make sure the address is a valid one. An IP address as in http// is a dead giveaway. Others are not easy to spot. Clicking on the padlock or key will open a window with information about the website and who owns the digital certificate that enables the site security. The issuers of certificates do not issue them without first verifying the identity of the buyer. Newer browser versions and security programs like Symantec's Norton Security provide feedback regarding a site's authenticity by turning the address bar or a toolbar element green when a site is deemed safe.
  • Consistently check your online accounts to ensure that all transactions are legitimate.
  • Do not install unknown software on your computer. If you do so, you are potentially harming your computer's hard drive and putting your personal information at great risk. Verify that the software came from a legitimate website and not an email message. Be especially wary of "free" programs which are often infected with Spyware.
  • Always protect your password. Do not share your password with anybody else or do not write down your password anyplace where it's accessible to another person. Change your password frequently and use one that is not easy for someone to guess.

Thwart Identity Theft

How does a thief get your personal information? Rummaging through garbage, pulling items from a mailbox, working as part of a large identity theft ring, stealing your wallet - the list goes on and on. Don't let a thief steal your identity! Here are a few simple tips to keep them away:
  • A lost or stolen wallet is a goldmine of information. Don't carry extra credit cards, checks, Social Security card and even health insurance cards. Be sure to photocopy everything that's left, being careful to record emergency phone numbers. Keep these copies in a very safe place. Hopefully, you will never need them.
  • Use LBS Financial Direct Deposit for any checks that are mailed to you on a regular basis.
  • Before revealing personal identifying information, find out how it will be used and if it will be shared with others. Does your local video store really need to know your social security number? How about your gym?
  • Pay attention to your billing cycles. Follow up with creditors if bills do not arrive on time. Review them each month to identify any unusual charges. Thieves sometimes test you prior to making a large hit.
  • Order a free copy of your credit report from the three credit reporting agencies every year. Make sure it's accurate and includes only those activities you've authorized. to download your free annual reports.
  • Use a cross-cut shredder to destroy charge receipts, credit applications and offers, insurance forms, bank checks and statements.
LBS Financial Credit Union does everything in its power to keep your personal information just that, personal. Not every company out there can make the same claim. Be sure to use the tips above to help thwart this growing concern. Also, visit for more information.

What to Do if You've Mistakenly Given Out Your Personal Information

  • Call us at 800.527.3328 immediately so we may flag your account(s) and contact you for any unusual activity or,
  • Notify us immediately through our secure online form with a brief explanation about the email you received.
  • Contact your other financial institution with which you have other accounts (i.e. credit cards, loans, savings, etc.) to alert them or cancel your existing accounts. Many companies have toll free numbers and 24-hour service to deal with such emergencies.
  • Report the theft to the three major credit reporting agencies:
    Experian - or 888.397.3742
    Equifax - or 800.525.6285
    Trans Union - or 800.680.7289
  • Contact your local police department to file a criminal report
  • Call every company that has extended credit to you to report the problem
  • Give a copy of the police report to your financial institution, credit card company and/or insurance company as proof of the crime.
  • Contact the Social Security Administration's Fraud Hotline to report the unauthorized use of your personal identification information
  • Notify the Department of Motor Vehicles of your identity theft
  • File a complaint with the Internet Fraud Complaint Center (IFCC) at
  • Document the names and telephone numbers of everyone you speak to regarding the incident. Request that all the phone calls be followed by a letter. Keep copies of all correspondence for future reference.


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