NOTE: Digital Insight Name Fraudulently Being Used as Phishing Scam
August 19: Your security is important to us. We want to alert you to a new phishing campaign using the Digital Insight name fraudulently. Emails are being sent to random internet users who may or may not be Digital Insight customers using the spoofed address firstname.lastname@example.org. These emails are not legitimate communications from Digital Insight. Attached to the message is a zip file containing a malicious executable file that looks like a PDF document that infects the user's computer with malware. Sample fraudulent email:
---- Incoming Transactions Report
An incoming money transfer has been received by your financial institution and the funds deposited to account.
Initiated By: Fiserv Inc.
Initiated Date & Time: Fri, 15 Aug 2014 23:00:11 +0700
Batch ID: 976
Please view the attached file to review the transaction details. --------
Digital Insight recommends that you employ security best practices to proactively mitigate phishing and malware threats like this. These best practices include:
• Install an antivirus app on both your personal computer and your mobile device and keep it updated.
• Do not click on attachments in suspicious emails.
• Perform regular backups of data.
• Don't view or share personal information over a public wi-fi network.
NOTE: Important New Link for Verified by Visa
Also - Please note these NEW phone numbers:
1-877-267-6914 - Call this number to change your PIN number. (You will need your existing PIN.)
1-866-619-0245 - Call this number to activate a new debit or credit card. (Call from your primary phone number. You will need to provide the last four digits of your SSN.)
1-800-528-2273 - Call this number 24 hours a day to report a lost or stolen credit card.
Card Alert Notification
Your Visa debit or ATM card is monitored for suspicious activity 24/7. If potentially fraud transactions are taking place, you'll be contacted immediately so that future fraudulent transactions can be avoided. Your car transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.
Getting hold of you quickly is critical to stopping any potential card fraud. With our Card Alert Notification service, you will receive a text message allowing you to confirm if a suspicious transaction was authorized by you. The text message will arrive with a 5 digit code (33748) and contain our financial institution name, the amount of transaction, and merchant name. You can reply "Yes" to authorize the transaction or "No" to deny the transaction. Please read more about Card Alert Notification to understand how this feature works.
Back to School with Touchstone!
Back to School Loan - as low as 8.5% APR*
Spread out your back to school expenses. Get a $1,200 loan with a rate as low as 8.5% APR* from August 1 through September 30, 2014. Existing loan must be paid off or included before new loan. Term of 12 months.
*APR is Annual Percentage Rate. Actual rate is subject to credit worthiness. All rates are subject to change without notice and promotions may be canceled at any time. Estimated payment example for a loan at 8.5% APR for 12 months is $104.11/month or approximately $26 per week.
Computer Loan - as low as 7.5% APR*
Borrow up to $3,000 for computer and related equipment for rate as low as 7.5% APR* from July 1 through August 31, 2014. Term of up to 24 months. Sales slip or purchase agreement required. Apply today!
*APR is Annual Percentage Rate. Actual rate is subject to credit worthiness. All rates are subject to change without notice and promotions may be canceled at any time. Estimated payment example for a loan at 7.5% APR for 24 months is $45.00 per thousand per month.
Student Membership Package!
Check out our "Financial Care Package" for students! From August 1 through September 30 open up a new Student Membership Package. Open to all students (elementary, high school, or college). Package comes with Share Account, Share Draft Account*, Debit Card*, e-Statements, Free Home Banking & Bill Payer, $300 Credit Card**
*must be 18 years of age or have a joint account holder **Must be 18 years of age and must be able to verify income or have a co-signor
Home Equity Line - Prime + 0 - Currently 3.25% APR*!
Major financial expenditures for items like home renovation or education approaching? From August 1 – 31, 2014 get a Home Equity Line from Touchstone for Prime + 0 (currently 3.25% APR*). Term of 10 years (with additional 5 years to pay off remaining balance). Minimum line amount is $10,000. Existing lines must advance $10,000. Maximum LTV is 80%. Member must pay for appraisal. Apply online at touchstonefcu.com!
*APR is Annual Percentage Rate. Actual rate is subject to credit worthiness – Member must qualify for rate (a counter offer could be made). All rates are subject to change without notice and promotions may be canceled at any time.
Summer Vacation? Touchstone can save you money!
10.50% APR* Visa Card. Fixed rate. No annual fee. No service charge. Use your Visa to obtain cash at ATMs with the Visa logo. For more information, visit our ATM/Debit and Credit Card page. Apply online or stop by. *APR is Annual Percentage Rate
Traveling out of state with your Visa? For the security and peace of mind of our members, we have a security “lock out” feature that will not allow card use out of state. Please notify the credit union of your travel plans so that we can release that feature.
Easy Foreign Currency Exchange. Touchstone offers foreign currency exchange. Visit our Products page and click on Additional Services to get started.
American Express® Remember, Members may purchase American Express® Travelers Checks for no fee. American Express® Gift Checks are a welcome gift for any occasion and are replaceable if lost or stolen. They are available for a fee of $1.25. Contact Member Services to learn more.
Please Note: Touchstone Federal Credit Union does not call member's cell phones informing them that their debit/credit cards have been compromised. If you receive such a call, hang up immediately and do not enter or provide any information. As always, Touchstone Federal Credit Union recommends that members always monitor their accounts and inform us of anything that looks out of the ordinary. Thank you.
Credit Report Disputes
If you notice any inaccuracies on your credit report and want to correct it, you can contact Equifax and dispute it. You can save time and start an investigation with their Online Dispute website. Any other questions you have about your credit report can also be answered at Equifax's website.
Credit Report - FREE from Equifax
You're entitled to a free annual Credit Report. It's a great idea to check your Credit Report yearly - it can help you find discrepancies and helps to prevent fraud. To get your free copy from Equifax, click here. If you find an inaccuracy with one credit reporting agency, you may want to get your credit file from the other two agencies to see if their files contain the same error. You can contact Experian at 1-888-397-3742 or go to www.experian.com or TransUnion at 1-800-888-4213 or visit www.transunion.com.
Traveling Out of State with Your Visa Credit Card?
College Funding Gap? Check Out our Student Loans!
It's time to borrow smarter. Touchstone FCU is pleased to partner with Sallie Mae® through Members United to offer The Smart Option Student Loan®.
The Smart Option Student Loan® offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.
Touchstone FCU and all of its business partners are aware of the Heartbleed Bug and there are no issues at this point. Other companies and organizations you deal with may have been affected. We strongly recommend changing passwords for all systems that members use, not just your Touchstone at Home login. Before changing your password on other systems, you should make sure that those systems are not still vulnerable to an attack. CNet.com has information and FAQ's about Heartbleed. Android user? You should know your Android system may be vulnerable.
Watch Out for Charity Scams
In the wake of any tragedy, many people want to help in some way. Scam artists can take advantage of our natural inclination to lend a hand. In the wake of Typhoon Haiyan in the Phillipines, you must be careful who you trust. If you are looking to lend a hand, CNN has put together a list of charities and their mission to help in the Phillipines. Remember, before you give to any charity, be sure the charity is legitimate, there is a clear plan for use of funds, and that the charity will provide the support it claims it will. The State Attorney General's office has put together tips to help you give wisely to charities in the aftermath of a tragedy.
Accidental Death and Dismemberment Insurance and Term Life
INFO@INFO.COM If you are receiving texts from email@example.com telling you to contact Touchstone Federal Credit Union at ANY number, please do not respond. It is a scam. Touchstone FCU will never text our members.
FROM "VISA" - The following email has been reported by Visa cardholders from other institutions! It seems to come from Visa Support and has the subject line Your Card Has Been Suspended. If you receive this email, do not click on the link, and report it to Touchstone. The body of the email will be similar to this:
Dear valued client,
Note: If not done by 03-02-2013 we will have to suspend it for life to avoid any illegal purchasing made by other frauders. We appreciate your help in this case.
AND FROM "INTUIT TURBO TAX" - Please be advised that we have been made aware of a phishing campaign currently underway that is using emails that appear to be related to TurboTax. The email does not contain a link; however, the email has a .zip attachment that contains malware. Do not open the attached .zip file.
If you receive emails that appear to be from TurboTax stating that “Your State Return Has Been Rejected,” please be aware that these are not from Touchstone, any other financial institution, or TurboTax. Please do not open the attachment and do not forward the email. Delete the email.
Recommended steps for those who may receive the phishing email:
NEW WALMART EMAIL HOAX - 5/16/13 The Wal-Mart stores and headquarters began receiving large amounts of phone calls from customers regarding an email that had allegedly received from Walmart.com regarding fraud orders using their credit cards. After speaking with several customers, they were able to determine that the emails are from an email address "@walmart.com" and are hoax emails. If you receive one of these emails, DO NOT CLICK ANY LINKS inside this email. as it will inevitably lead you to a fake Wal-Mart website that will either ask you for personal information, or somehow infect your computer.
If you need assistance, please call Wal-Mart, 1-800-Walmart. Also beware of Other Phishing Scams involving Visa and Turbo Tax.
Hitting the Road this Summer?
"Pocket Cents" for Kids (and parents too!)
The National Credit Union Association (NCUA) has developed a new site, "Pocket Cents" within their Financial Information site MyCreditUnion.gov. Check it out, and don't forget to visit our Kids page too!
Protect Yourself from Fraud
Exercising caution with email from companies, organizations, and institutions, even those in whom you trust, is a good way to prevent fraud. There have been fraudulent email messages which appear to come from trusted institutions, text messaging scams, and phone scams. Please visit our Fraud Prevention page regularly to learn more about the latest scams. Remember, no organization or institution you do business with will ask you to submit personal information.
TEXT MESSAGING SCAM ALERT* The following message is a SCAM: "Your credit union debit card has a pending alert. Call now, toll-free 1-940-XXX-XXXX, and follow the instructions to resolve this alert." If you receive a text or e-mail stating this message, do NOT call the number or give out any of your information. For more information, visit the Fraud Prevention page!
Recent Credit Card Breach Could Increase Phishing. Following the Global Payments data breach, credit card holders should be aware of a potential increase in phishing attacks. These attacks could also target others who were not impacted by the recent card breach. Be aware of any suspicious emails, text messages, or phone calls requesting personal or financial information. For more information, visit Fraud Prevention.
Northeast Planning Associates, Inc.
Are you comfortable with your retirement plan? Touchstone FCU has partnered with Paul M. Goyette, CERTIFIED FINANCIAL PLANNERTM practitioner, a financial advisor with Northeast Planning Associates, Inc. (NPA). With over 50 years of financial planning experience, NPA can help you to assess your current financial situation and create a plan for the future.
NPA provides guidance to help you set achievable short- and long-term goals, avoid costly financial mistakes, and more. For more information or to schedule a free consultation with Paul M. Goyette CEP®, CFS®, CERTIFIED FINANCIAL PLANNERTM practitioner or George Slyman, Jr., ChFC, CERTIFIED FINANCIAL PLANNERTM, call (603) 689-7162, ext 224. Learn more about NPA by visiting their Web site.
Financial Planner offers advisory services through Northeast Planning Associates, Inc., a registered investment adviser. Securities offered through LPL Financial, member FINRA/SIPC. Products and services provided: 1) are NOT federally insured; 2) are NOT obligations of the credit union; 3) are NOT guaranteed by the credit union; 4) may involve investment risks including possible loss of principal. Touchstone Federal Credit Union, Northeast Planning Associates, Inc. and LPL Financial are not affiliated. 402 Amherst Street, Unit 101, Nashua, NH 03063 (603) 689-7162.
Free Credit Report
You are Entitled to get an Annual Free Credit Report You can look at your credit report - for free. Under the Fair and Accurate Transaction (FACT) Act, at your request, Equifax, and each of the other two major credit reporting agencies, Experian and TranUnion will provide you with one free credit report every 12 months. You can request your annual free credit report online, or by calling 1-877-322-8228. Note, credit report disclosures do not include credit scores.
Buying A New Home? Seeking to Refinance?
Variety of Mortgage Programs Available! Low prices and low rates — a great opportunity for new buyers or those seeking to refinance. Touchstone FCU and Mike Hughes can help. Call Mike at (339) 883-9259 for more information and to set up an appointment. Visit Mortgages to get started on the pre-approval process!
What You Should Know about Regulation "D" Confused about the amount of transfers or automatic payments you can initiate from your savings account? Read What is Reg D?
Your Savings are Safe with Touchstone FCU. Share accounts in federally insured credit unions are insured up to the Standard Maximum Share Insurance Amount (SMSIA) of $250,000. You may obtain additional separate coverage on multiple accounts – for more information read the NCUA brochure on Share Insurance, use the handy NCUA Share Insurance Calculator, download and read "Share Insurance and You" from the NCUA website, or please call us at (978) 657-2223.
Touchstone, Your Financial Rock! Touchstone FCU can help you weather the financial storm. At Touchstone, "Personal Service Comes Standard" and Members come first. Our Credit Union continues to be run with integrity and fiscal responsibility. We offer a wide array of services and partner with licensed professionals to meet your complex financial needs. To learn more about how Touchstone FCU is prepared to be your financial rock, please read these messages from Chairman Raymond Kahre and President and CEO James McCorkle.
Security Starts with Touchstone@Home! Review your accounts weekly online for signs of any suspicious transactions with Home Banking. Don't have FREE Home Banking? Demo touchstone@home today and monitor your accounts 24/7 with ease.
Save Time. Save Space. Save Money. Save a Tree. Help Touchstone FCU “Go Green” by Using eStatements. Sign up for eStatements through Home Banking and view your statements online at any time, from any place. You’ll help reduce monthly mailing costs and paper use. Make a statement. Sign up for eStatements today!
Traveling Out of State with Your Visa Credit Card? Learn more about our security "lock-out" on your credit card and what you need to do before you travel out of state.
Important Information for Debit Card Holders
Notices, Terms, and Conditions
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