Fraud scams are on the rise! Know the Red Flags.

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Protecting the privacy and the security of our members’ personal and financial information is Genisys Credit Union’s number one priority when delivering services to our membership, and storing member information.

We will bring services to the World Wide Web only after we, our auditors and our third party security experts, are confident that the services are safe and secure. We also employ leading edge technology to protect information you submit to us, and information we send back to you using Online Banking and through our website.

 

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Stay Informed.

Money Scams & Safety Tips from the Genisys Blog

Employment Scams: How to Identify Them & Stay Safe
Employment Scams: How to Identify Them & Stay Safe
Authored By: Genisys Credit Union on

As technology continues to grow and evolve, more and more of our lives are online. This trend also extends to our jobs, especially when it comes to searching for and applying for work. Unfortunately, this shift can lead to eager employment seekers becoming unknowingly targeted by scams.

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Credit Card Compromised? Here’s What to Do Next.
Credit Card Compromised? Here’s What to Do Next.
Authored By: Genisys Credit Union on

Imagine logging into your account to make your monthly credit card bill, and you come face-to-face with a slew of charges you did not make or authorize. Unfortunately, fraud happens. Despite top-of-the-line security on your accounts and the best identity practices, criminals still find a way.

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Gift Cards: A Scammer’s Best Friend
Gift Cards: A Scammer’s Best Friend
Authored By: Genisys Credit Union on

Gift cards are fun to receive and even better to give to others. Need to grab a last-minute gift? Don’t know what to give the person who has everything? Or buying for a teen that prefers to do their own shopping? No matter your circumstance, there’s a gift card for that!

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Beware of Advance Payment Scams
Beware of Advance Payment Scams
Authored By: Genisys Credit Union on

It’s an awesome deal, but there’s just one catch: You need to pay a fee in advance. Before you go ahead and do so, though, take a step back and look at the transaction from every possible angle. An advance payment scam may have captivated you in its allure.

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Stay Safe from Student Loan Forgiveness Scams
Stay Safe from Student Loan Forgiveness Scams
Authored By: Genisys Credit Union on

With the resumption of federal student loan payments and the promise of loan forgiveness, scammers have seized the opportunity to exploit the situation. They are inundating the scene with false promises of loan cancellation and a myriad of other deceptive tactics, making it vital to stay vigilant.

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Phishing, Smishing, and Vishing: How to Protect Yourself
Phishing, Smishing, and Vishing: How to Protect Yourself
Authored By: Genisys Credit Union on

In today's digital age, where everything from shopping to banking is done online, the threat of scams looms larger than ever. Imagine receiving an email, a text message, or even a phone call that seems legitimate, only to realize later that it was a trap set by cybercriminals. These tactics, known as phishing, smishing, and vishing, are more than just annoyances - they're sophisticated schemes designed to steal your personal information and drain your financial accounts.

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How to Protect Yourself from Rising Check Fraud
How to Protect Yourself from Rising Check Fraud
Authored By: Genisys Credit Union on

With the widespread transition to digital payments, the use of paper checks seems to be on the decline. However, check writing remains a popular payment preference for many businesses and people. Since checks are still widely used, it’s crucial to understand their susceptibility to fraud and how to protect your finances.

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Don’t Fall for These Text Scams
Don’t Fall for These Text Scams
Authored By: Genisys Credit Union on

Millions of people fall victim to identity theft every year. The best way to protect yourself is to understand how popular scams work. However, once you become comfortable identifying them, fraudsters change it up and move to new methods.

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How to Spot This Season’s Holiday Scams
How to Spot This Season’s Holiday Scams
Authored By: Genisys Credit Union on

Man sitting at home with coffee and laptop

The holidays bring joy and celebration, but it’s also a season when fraudsters are up to their most deceiving tricks. From gift card fraud and travel scams to fake charities and package theft, there’s nothing that scammers won’t do to try and steal your festive cheer. We’re here to help you stay safe by shining a spotlight on some of this season’s most common scams and their warning signs, plus tips on how to protect yourself. 

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What is the “Say Yes” Scam?
What is the “Say Yes” Scam?
Authored By: Genisys Credit Union on

It seems like every day a new scam emerges as fraudsters attempt to separate you from your hard-earned money. While many of these ploys are extravagant and convincing, that doesn’t stop fraudsters from returning to their old tricks. That’s what is happening now as the “Say Yes” scam regains popularity.

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Popular Tax Scams & How to Avoid Them
Popular Tax Scams & How to Avoid Them
Authored By: Genisys Credit Union on

Tax season is here, and it tends to put most people on edge. Many are anxious to file their returns because they rely on the money from their tax refund. Others find it stressful to locate all their tax documents and file on time.

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4 Popular Scams & How to Protect Yourself
4 Popular Scams & How to Protect Yourself
Authored By: Genisys Credit Union on

Everyday technology becomes more prevalent in people’s lives. From working and traveling to shopping and socializing, it seems people are always connected today. But this non-stop reliance on your devices also creates a haven for fraudsters – and the pandemic only accelerated this digital dependence.

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10 Tips for ATM Safety
10 Tips for ATM Safety
Authored By: Genisys Credit Union on

There is no better time than now to brush up on ATM safety. Using a compromised machine can mean risking identity theft or having cash stolen. With this simple machine, all it takes is a few short minutes for a victim’s life to be completely ruined. 

 

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Watch out for Job Scams
Watch out for Job Scams
Authored By: Genisys Credit Union on

It’s an amazing employment opportunity – or is it? Scammers often hijack the job market and ensnare hopeful job seekers into their schemes. If you’re job-hunting, it’s a good idea to review the way these scams play out and how you can avoid them. To help you out, we’ve put together a short primer on what you need to know to stay safe from job scams. 
 

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How to Avoid Scams when Donating to Ukraine & Other Causes
How to Avoid Scams when Donating to Ukraine & Other Causes
Authored By: Genisys Credit Union on

Due to the events unfolding in Ukraine, people worldwide are standing up to help in any way they can. Unfortunately, these types of emergencies, whether they involve worldwide or local relief funds, are prime opportunities for scammers.

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Tips to Stay Safe in a Digital World
Tips to Stay Safe in a Digital World
Authored By: Genisys Credit Union on

Keeping your financial accounts safe in today’s digital world is a growing challenge. Hackers are constantly coming up with new ways to gain access to your accounts through your computer and even your mobile devices.

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How to Protect Family Members from Scams
How to Protect Family Members from Scams
Authored By: Genisys Credit Union on

Nowadays, everyone in the family is using technology - from kids to grandparents. These convenient digital tools instantly connect everything, from friends and family to financial accounts and shopping. Unfortunately, they also open the door to fraudsters.

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10 Ways to Make Your Accounts More Secure
10 Ways to Make Your Accounts More Secure
Authored By: Genisys Credit Union on

Excited Woman with Mobile Phone In Hand

With online transactions increasing each year, it’s more important than ever for people to become vigilant in protecting their identity. Identity theft and fraud are on the rise, and scammers are becoming smarter and more creative with how they’re targeting people and their accounts. 

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What is VIN Cloning & How Does It Affect Me?
What is VIN Cloning & How Does It Affect Me?
Authored By: Genisys Credit Union on

VIN cloning is a crime that is growing in prevalence and can leave people, like you, obtaining loans for stolen vehicles. Once identified, these vehicles are seized and returned to their rightful owners, leaving you without a car and an unsecured loan that you must continue paying. At Genisys Credit Union, we want you to understand the risks of VIN cloning and the steps you can take to protect yourself.

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Tax Scams You Need to Know About
Tax Scams You Need to Know About
Authored By: Genisys Credit Union on

Surprised redhead sitting at table

Each year the IRS releases a list of tax scams that are currently affecting many individuals. The number of different scams seems to steadily increase each year, with fraudsters becoming more proficient in their targeting methods. This year, there is more for taxpayers to be mindful of with COVID-19 and economic impact payments setting the stage for tax scams. 

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Securing Your Home Devices: How & Why
Securing Your Home Devices: How & Why
Authored By: Genisys Credit Union on

Family sitting on couch smiling

With so many people using smart devices in their homes these days, it’s more important than ever to make sure they are secured. Since these devices connect directly to the Internet, you may not realize they collect and share your data. Therefore, it's essential to understand how they work — and, more importantly, how you can secure them.

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5 Steps to Take After Being Hacked
5 Steps to Take After Being Hacked
Authored By: Genisys Credit Union on

Man looking at camera

Finding out someone has cracked open your accounts and helped themselves to your information can be alarming, but there are ways to mitigate the damage while jump-starting your recovery process.

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Tips to Avoid Fraud While Online Shopping
Tips to Avoid Fraud While Online Shopping
Authored By: Genisys Credit Union on

Adult woman sitting at computer with credit card in hand.

The pandemic is certainly a moment in history that will be remembered forever. With this period of uncertainty and isolation, we’ve found a way to “cope” by changing the way we shop. U.S. eCommerce sales have risen 25% since March. Online shopping is convenient and you can often shop from the comfort of your own home - no wonder it’s becoming so popular!

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COVID-19 Scams Continue
COVID-19 Scams Continue
Authored By: Genisys Credit Union on

Man with confused look on his face.

As businesses start reopening and people begin returning to work throughout the country, the initial thought was that COVID-19 scams would cease. Unfortunately, that isn’t the case. If anything, they are continuing. Some might even say they are growing as people begin to return to the office, and life begins to take on the appearance of a new normal. Scammers are viewing this as an opportunity to use COVID-19 for their own purposes. 

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Quick Tips to Prevent Fraud
Quick Tips to Prevent Fraud
Authored By: Genisys Credit Union on

Man sitting at computer making the thumbs up motion

Fraud prevention can take some effort, but it's definitely worth it. Protecting your "worth" is the best way to ensure a healthy future in financial terms. Common sense goes a long way towards keeping your accounts secure, but constant awareness of the risk is not considered paranoid today. It's all too easy to become a victim. 

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Beware of Coronavirus Scams
Beware of Coronavirus Scams
Authored By: Genisys Credit Union on

Woman looking at computer with her eyeglasses down

Scammers are notorious for capitalizing on fear, and the coronavirus outbreak is no exception. Scammers have set up fake websites, bogus funding collections and more in an effort to trick the fearful and unsuspecting out of their money.

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How To ID A Robocall
How To ID A Robocall
Authored By: Genisys Credit Union on

Young woman thinking while on her cell phone

We’ve all received a call from an unknown number and upon answering, cue the automated recording claiming to be a legitimate business. These calls are illegal and commonly known as robocalls. Robocalls are becoming increasingly common - in 2018, nearly 47.8 billion calls were placed.

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A New Way to Scam: Electronic Payment Apps
A New Way to Scam: Electronic Payment Apps
Authored By: Genisys Credit Union on

Applications like PayPal and Venmo offer the convenience of sending money electronically. Instead of the old “I’ll pay you back,” we can now say “I’ll send it to you.” The ability to pay your friend, coworker or family member immediately is awesome, right? 

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Fighting Fraud One Good Habit At A Time
Fighting Fraud One Good Habit At A Time
Authored By: Genisys Credit Union on

Young Woman Sending Text Message With an Open Hand Doing Stop Sign

Theft is a scary thing to think about, especially when your identity and hard earned money can be on the line. Personal identity is one of the most precious things we own and it carries much more weight than one would expect. Protecting your identity can be difficult, especially when it’s something used every day in every situation.

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Ready for Summer Vacation? Watch Out For Digital Identity Thieves
Ready for Summer Vacation? Watch Out For Digital Identity Thieves
Authored By: Genisys Credit Union on

Summer is almost here, and with it comes a bit of rest and relaxation for millions of people around the world. It is clear workers eagerly anticipate summer vacations with 68 percent of people taking a summer vacation in the last year. Vacations create special memories and experiences that we all cherish, but they also open us up to be the perfect target for identity thieves.

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3 Reasons To Avoid The Free Trial Trap
3 Reasons To Avoid The Free Trial Trap
Authored By: Genisys Credit Union on

FREE Trial Offer….. many new products and services come with these enticing words and sway many consumers to feel as if it is a great deal.

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Don't Get Caught in a Crowdfunding Scam
Don't Get Caught in a Crowdfunding Scam
Authored By: Genisys Credit Union on

There never seems to be a shortage of scams that are out there just waiting to take our money. One of the most recent trends in scamming is something called “Crowdfunding.” For the unaware, crowdfunding is simply a way for a group of people to support a cause, project, or person that otherwise might not have the tools or resources to raise money.

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10 Ways To Stay Safe Online
10 Ways To Stay Safe Online
Authored By: Genisys Credit Union on

With hacks, scams, malware and more, the Internet can feel like a dangerous place these days. And, the recent increase in devices, from smartphones and tablets to Internet-connected appliances, has opened us up to even greater risks. Criminal Internet activity seems to continue to rise making online safety a concern. The FBI received more than 300,000 complaints in 2017 with more than 1.4 billion in reported losses.

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Beware of These "Dirty Dozen" Tax Scams for 2019
Beware of These "Dirty Dozen" Tax Scams for 2019
Authored By: Genisys Credit Union on

Everyone has heard of the "Dirty Dozen," when it comes to your fruits and vegetables but have you heard about the Dirty Dozen scams that are rampant during this year's tax season?

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A New Year's Resolution for Identity Protection
A New Year's Resolution for Identity Protection
Authored By: Genisys Credit Union on

New Year’s Eve is always a worldwide celebration.  In the U.S., people watch the ball drop in Times Square in New York City. Canadians embrace the winter with ice fishing and polar bear swims. Revelers swing flaming fireballs at Hogmanay in Scotland and the Danes smash china for good luck.

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5 Black Friday Scams to Avoid
5 Black Friday Scams to Avoid
Authored By: Genisys Credit Union on

Black Friday and Cyber Monday can be great fun – but they can also put you at great risk… and we aren’t talking about the WrestleMania scene in the Electronics Department! Scams are plentiful on this weekend that officially marks the start of the holiday shopping season, and you don’t want a phishing scheme or a bogus bargain to turn you into the rotten Mister Grinch!

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Fake Check Scams - How To Avoid This Exploding Epidemic
Fake Check Scams - How To Avoid This Exploding Epidemic
Authored By: Genisys Credit Union on

Has someone ever sent you a check and asked you to give them some money back?  Be wary! Maybe you won a prize and are told to send back a portion to cover taxes and fees.  Or you get paid to be a “secret Shopper” and are told to wire back money. How about selling an item online and the buyer overpays?  In all cases, you get a check and someone asks you to send them money back. That’s a scam!

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Beware of This Social Media Scam Targeting Millennials
Beware of This Social Media Scam Targeting Millennials
Authored By: Genisys Credit Union on

You’ve heard it said before, if it seems too good to be true, it probably isn’t true. Remember this adage when you’re pitched on social media about an easy money scheme using your checking account and debit card. 

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4 Tips to Keep Your Finances Safe in Cyberspace
4 Tips to Keep Your Finances Safe in Cyberspace
Authored By: Genisys Credit Union on

Apple Pay, Paypal, Ebates. These are just a few examples of how finances have merged with cyberspace.  We encounter these services on a daily basis; and some of us use them frequently to purchase items online or even during a quick trip to the grocery store. However, with this convenience comes safety risks.

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12 Identity Protection Tips for the Holidays
12 Identity Protection Tips for the Holidays
Authored By: Genisys Credit Union on

Tis the season for a spike in identity theft.  As consumers step up their online shopping leading up to the holidays, it’s a prime time of the year for identity theft.  While you are busy snagging hot deals on Black Friday and Cyber Monday, thieves are phishing for your information.

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Watch Out for Tech Support Scams
Watch Out for Tech Support Scams
Authored By: Genisys Credit Union on

It's easy for anyone that has never been taken for a ride by a con artist to wonder how people can fall for such scams.

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Avoid Summer Vacation Scams
Avoid Summer Vacation Scams
Authored By: Genisys Credit Union on

It’s summertime, the living is easy …, and so is the scamming!   Scammers don’t take the summer off.  In fact, some scams ramp up during this time of year, with predators out there waiting to prey on unwary vacationers. 

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Smartphone Security: Why we need PINs, Patterns & TouchID
Smartphone Security: Why we need PINs, Patterns & TouchID
Authored By: Genisys Credit Union on

You probably have that one friend who constantly bugs you about putting a security lock on your phone, in the form of a passcode, or enabling the fingerprint reader to protect you.

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5 Rules of Online and Mobile Banking Security
5 Rules of Online and Mobile Banking Security
Authored By: Genisys Credit Union on

Gone are the days when making deposits, withdrawals, etc.—meant you had to stand in line, and wait patiently (or not!) for the services of a teller. Today, we have lots of options when it comes to financial transactions.

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What to Expect When Your Credit Card is Compromised
What to Expect When Your Credit Card is Compromised
Authored By: Genisys Credit Union on

With the number of computer hackers working daily to access consumer data, it may be difficult to escape being part of a credit or debit card compromise.  When it happens, how are you affected and what can you expect?

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Why CardNav Might Be the Coolest Card Security App Ever
Why CardNav Might Be the Coolest Card Security App Ever
Authored By: Genisys Credit Union on

So you might have already heard a thing or two about the new CardNav mobile app by CO-OP, and maybe even registered your Genisys Credit and Debit MasterCard.

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Get These Out of Your Purse or Wallet Now
Get These Out of Your Purse or Wallet Now
Authored By: Genisys Credit Union on

Your purse can become a lot like a junk drawer you carry around. It’s cluttered with loyalty cards, coupons, cash, checks, store credit cards, credit cards for gas, credit cards for everyday purchases and a host of identification cards.

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Watch Out for the 12 Scams of Christmas
Watch Out for the 12 Scams of Christmas
Authored By: Genisys Credit Union on

The holidays are a time of family togetherness and celebration. Scammers know you’re distracted, busy, and emotional. That’s why their schemes typically get a new twist around Christmas time.

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Passwords: How Can I Remember ALL of Them?
Passwords: How Can I Remember ALL of Them?
Authored By: Genisys Credit Union on

Let’s see if this sounds familiar….”you need at least one lower case character, one upper case, a number, a special character, etc…”.

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Ransomware: Avoid Being a Digital Hostage
Ransomware: Avoid Being a Digital Hostage
Authored By: Genisys Credit Union on

When we think of ransom, we typically think of a black-and-white movie with a kidnapper leaving notes made from a variety of newspaper cuttings. Today, ransom is much less melodramatic, much more common and targets something you might not expect: your computer files.

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Beware of IRS Scams
Beware of IRS Scams
Authored By: Genisys Credit Union on

That’s right, they’re back! Scammers are using tax time to take advantage of the unwary. So let’s take a look at the “new and improved" 2016 lineup of IRS scams

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FREE MONEY - 5 Online Scams to Avoid
FREE MONEY - 5 Online Scams to Avoid
Authored By: Genisys Credit Union on

The old saying of “it’s too good to be true” should be your battle cry when you do anything on the internet including reading your email. 

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Why do I want a Digital Wallet?
Why do I want a Digital Wallet?
Authored By: Genisys Credit Union on

Apple Pay, Samsung Pay, and Android Pay - OH MY!  Why do I need a digital wallet when my old-fashioned wallet is working just fine?

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