Protecting Yourself Against Phishing
The threat of “phishing” tricks unsuspecting people into revealing personal information to a third party so that the third party is able to use that information to commit a crime. The threat scenario plays out by you receiving a deceptively legitimate looking email from what appears to be a reputable company (such as your credit card company or a retailer) requesting you to provide personal information such as your social security number, account number, etc. and providing you a link to a website. The link to the website is really a link to a fraudulent site that has been designed to capture your personal information as you type it in and provide it to the scam artist. You might also receive deceptive phone calls or voicemails as well.
Here are some important tips on how you can protect yourself from phishing:
- Always remember that the American Airlines Federal Credit Union will never contact you requesting personal financial information such as account numbers, debit card numbers or PINs.
- Be suspicious of any email, mobile TXT message, voicemail message or phone call with urgent requests for personal financial information. Reputable companies will not send you these types of communication asking you to “verify” or update your personal information.
- Avoid filling out forms in email messages. You don’t know where the data will be sent. You should only communicate information such as credit card numbers or account information via a secured website or secured phone line.
- Don’t use the links in an email to get to any webpage if you suspect the message might not be authentic. Instead, call the company or log onto the website directly by typing in the web address in your browser.
- If you go to a link offered in an unsolicited email, check to see if there is an “s” after the http in the address (example: https://www.ftc.gov) and a picture of a padlock at the bottom of the screen that indicates the link is secure and encrypts data. Though this is not an indication that the site is legitimate, an online form that asks a consumer to submit sensitive personal information should always be encrypted. Scam artists are less likely to have encrypted forms, but if they are trying to elicit personal information, they may take every precaution to make consumers believe their site is secure and therefore, legitimate.
- Regularly log into your online accounts to verify transactions and balances. Notify your financial institution of inaccuracies as soon as possible. We must hear from you no later than 60 days after we sent you the first statement on which the inaccuracy or problem appeared.
- Ensure that your browser is up to date and security patches are applied.
If you do receive this type suspicious email or phone call, you should:
- Contact the legitimate company named within the message to confirm whether the request is from them. Most companies do not ask customers to confirm personal information by these means of communication.
- Read the information and tips put out by the Federal Trade Commission about this type of scam.
- Forward the suspicious email to the Federal Trade Commission’s address for unsolicited commercial email at email@example.com.
Always be alert to phishing messages. Reputable companies do not contact their customers and request that they update their files or verify their account or security settings. American Airlines Credit Union will not contact you for this information. Please note:
- The Credit Union’s webpage (AACreditUnion.org) should not be accessed from a link provided by a third party. If you receive an email message from a third party that directs you to a link appearing to be American Airlines Credit Union, consider it suspicious.
- The Credit Union will not call you or send unsolicited email, TXT messages or voicemail messages requesting confidential information, such as account numbers, passwords, or personal identification numbers (PINs). Members should be reminded to report any such requests to the Credit Union.
- The Credit Union maintains current website certificates. Please click the “padlock” symbol at the bottom of your browser to verify the certificate is valid and is owned by American Airlines Credit Union.