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 Posted:  12/27/2013 10:12

Protect Yourself Against 'Phishing'

Phishing, and more recently, Vishing, are ways to lure victims into disclosing their financial or personal information.  Phishers send an email or pop-up message that claims to be from a business or organization that you deal with (for example, your financial institution) that says you need to update or validate your account information.  You may even be informed that if you don't comply, there will be a drastic consequence, such as your account being blocked.  This message directs you to a Web site that looks just like the organization's site, but isn't.  The purpose of this fake site is to trick you into giving them your personal information so that they can commit fraudulent crimes in your name.

Click here to see the latest Phishing attempt against PLCU members.

Please be advised that Point Loma Credit Union does not email or call our members to "update" or "validate" personal information.  To ensure that you are not a victim, never respond to unsolicited emails or telephone calls asking for personal information.  If you question the legitimacy of an email or phone call from PLCU or think you may be a victim of identity theft, please call us immediately at (858) 495-3400 or (888) 495-3400.  You can e-mail us and forward any suspicious messages you receive to

Here are some other tips to help avoid online fraud:

  • Do NOT share your account numbers or passwords with anyone.
  • Take steps to reduce the amount of mail you receive that displays personal information (signing up for e-Statements and paying bills through Bill Pay Online can reduce the amount of physical mail that you get and receive with personal account information on it).
  • Before you throw away papers, shred any document, letter, or receipt that has personal information on it.  A favorite trick is to dig through your trash for receipts or correspondence that contains personal information.
  • Make copies of all the information that you carry daily and keep it in a secure place.
  • Do not carry your social security card or anyone else’s social security card with you unless you know you will need it.
  • Make sure your computer has both an anti-spyware protection program that detects and removes spyware and an anti-virus program. Keep both programs updated.
  • Type the Web address in your browser address bar rather than clicking on links.
  • If you initiate contact with a web site and want to provide your personal information, make sure that the site address begins with https:
  • If an email or Web site contains grammatical errors, review them carefully as this is often an indicator of fraud.
  • Question suspicious emails.  We will never send you an email asking for your online ID or password.

If you suspect you've received a fraudulent e-mail, supposedly representing Point Loma Credit Union, forward it to us immediately at

Now that you are an expert in Phishing, find out about Vishing and Smishing.

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