Message from the CEO Regarding Fraudulent Schemes, Phishing and Card Compromises
February 13, 2017
Every day you hear in the news of someone being defrauded. It seems that there are more and more reports in the news of data breaches, identity thefts, phishing schemes and cyber-attacks. Fraudsters even go as far as sending checks out to would be victims via the U.S. Mail in the hopes someone will deposit the fraudulent check into their account with the promise that they can keep a portion of the proceeds and the remainder sent via a legitimate payment channel, such as a wire, money order or gift card.
As a best practice, we ask that you monitor your accounts regularly for suspicious activity via NetTeller, Mobile, Smartline or by calling us to ensure all charges and debits incurred on your accounts are legitimate. Never give out your financial information to anyone unless you are absolutely positive you are communicating with us directly. This due diligence is an important process in the partnership between us.
Be assured that we take the necessary proactive precautions available to us to ensure the integrity of our internal data operating system. At the same time, we work with our members who have experienced external compromises to minimize any inconvenience due to fraudulent activity.
It is important that we let you know; it isn’t SeaComm, nor is it our own internal operating system, which has caused these issues. Retailers and payment system companies need to increase their own vigilance in protecting its customers’ vital debit and credit information by increasing their own data security standards. Unfortunately, the consumer and financial institutions like us are the ones who feel the direct effect of these types of compromises. We are the card issuer and therefore, are ultimately the one who deals directly with you to assist in resolving these types of issues and concerns.
Carrying our VISA logo debit and/or credit card in conjunction with our zero-liability policy enables you the peace of mind in knowing we will work with you to ensure any issue pertaining to fraud is resolved. It is important that when fraudulent charges appear to notify us immediately. We will then begin the dispute process and provide provisional credit for those charges.
Once we know you have had an issue, we can also block your current card to ensure no additional fraudulent charges occur and immediately reissue a new debit card immediately in one of our retail branches. We understand how inconvenient it can be without your debit or credit card and we want to make it a top priority to ensure you are able to continue to conduct business as seamless as possible.
If you have any questions or need additional information, please do not hesitate to contact us at 1-800-764-0566 so we can work with you to immediately begin to resolve those issues.
Scott A. Wilson
President & Chief Executive Officer
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