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Security Center
Security Center
As a Chartway member, keeping your account and personal information protected is always a top priority for us.
Protect your personal information:
- You should always be wary of any emails, messages, or phone calls that request your confidential information, like your account numbers, login IDs, PINs and passwords, or any other personally identifiable information.
- Ask the caller for their name and a number that you can call them back at. If this number doesn’t match the one they called you from, this is a major red flag.
- Chartway will never ask for personal identification information through email or text. Be wary of any email or text requesting this information.
- Many fraudsters use scare tactics, such as threatening to disable your account. Don't feel pressured into providing information.
- Never click on links in email or text, unless you are absolutely certain of who sent it.
- As always, you should frequently review your account history for any unusual transactions.
Remember: Chartway will never solicit your personal information over the phone or by email.
If you ever suspect unauthorized activity on your Chartway account, please call us at 800-678-8765. We’re here to help keep your financial accounts safe and secure.
Phishing is the method used to steal personal information through spamming or other deceptive means. There are a number of different phishing techniques used to obtain personal information.
Phone Phishing (Vishing)
Voice Phishing ‘Vishing’ is the telephone equivalent of phishing, using the telephone in an attempt to scam people into surrendering private information that will be used for identity theft. They may claim to work for a company you trust, or they may send mail or place ads to convince you to call them.
Should you receive a call that you think is suspicious, you should ask for:
- the caller’s name
- name of the business they are calling from
- phone number
Do not provide any information to the caller until you have conducted research to determine if the call is a scam. If you need more information, call them back at a publicly listed number, rather than the one they provided you.
Phishing Emails
One of the primary delivery methods of ransomware are phishing emails. Why? Because people are so conditioned to open emails and click on links and attachments.
Here’s how it works: botnets send spam or tailored phishing emails randomly or to personnel within an organization. These are often in the form of mail delivery notifications, energy bills, résumés, notifications from law enforcement, or tax returns.
- Never click on unknown emails
- Never open attachments or click on URLs in unsolicited emails, even if they come from people in your contact list. Instead, close out the email and visit the organization’s website directly
- Be vigilant about clicking on ads, even from reputable sites
- Bookmark frequently visited websites to prevent typing the wrong URL
- Make sure you have updated antivirus software on your personal computer
- Never connect unprotected personal devices [such as flash drives] to company systems
- Have strong passwords, and don’t use the same passwords for everything
- Use a pop-up blocker
- To prevent the loss of essential files, regularly perform system back-ups and store the back-up data offline
Remember, we will never ask members for personal information by phone, email or text.
What is identity theft?
Identity theft, or ID theft, is the fraudulent use of an individual’s personal information—such as Social Security number or date of birth—to commit financial fraud.
What happens to victims of identity theft?
Identity thieves harm and inconvenience victims by using their names and other personal information to open new credit accounts or access existing credit and bank accounts, and by placing fraudulent charges on these accounts. Victims of identity theft have to dispute these charges as fraudulent, and locate and close down all bogus accounts opened in their names.
Are victims of ID theft held liable for the losses?
No. But while victims of identity theft are not held liable for the losses, it may take years for victims to clean up the financial and credit problems caused by the crime.
Prevent ID theft/account fraud
Your credit:
- Check your credit reports regularly. You can get free copies every 12 months at AnnualCreditReport.com (www.annualcreditreport.com) or by calling 877-322-8228.
- Before you discard documents and mail that contain your SSN, account numbers and other personal information, shred them or tear them into tiny bits.
Personal identification:
- Don’t carry your Social Security card in your wallet or purse. Memorize your SSN.
- Watch your wallet or purse at all times. At work, keep your purse in a locked drawer or cabinet. Don’t hang your purse on your chair in restaurants.
Scammers will falsify the information transmitted to your Caller ID display to disguise their identity and appear as though a call is coming from a trusted business, like Chartway. These individuals are doing what is known as Caller ID “Spoofing,” by trying to request personal account information including Account Numbers, Social Security Numbers, Debit/ATM PIN Numbers, and Online Passwords.
Caller ID "Spoofing” is an attempt at fraud. Although the call appears to be from Chartway, any direct request for personal/account information should be treated very cautiously. If you receive this type of suspicious or questionable call, do not respond or simply hang up. If you receive a Caller ID spoofing call, please call us at 800-678-8765. We’re here to help keep your financial accounts safe and secure.
Please review the following to help avoid phone scams:
- Ask the caller for their name and the number where they can be reached. If this number doesn’t match the one where the call originated, this should serve as a major red flag
- Never provide confidential information (address, account / payment information, etc.) to solicitors by phone, email, or text
- Many fraudsters use scare tactics, such as threatening to disable your account. Don't feel pressured into providing information
- Never click on links in an email or text unless you are absolutely certain from whom they are being sent
- As always, accounts should be frequently reviewed for any unusual transactions.