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Fraud Prevention and Security

Your credit union remains vigilant in our fight against identity theft, and we’ve added another layer of security for your protection.

If our fraud monitoring center detects an unusual pattern of use for either your credit union ATM card or Visa debit card, you’ll receive an automated call to verify the authenticity of the transaction. When you pick up the phone, you’ll hear a greeting, be given options to confirm your identity, and you will be asked to verify the transaction. If you believe there has been fraudulent activity on your card, you’ll be connected to an operator who will assist you.

The fraud monitoring center runs around the clock, seven days a week, to ensure that fraud occurring in other countries or time zones is caught immediately. However, warranted calls will only occur between the hours of 7am and 9pm in the time zone of your statement address.

How to get a free copy of your credit report

The nation’s three consumer credit reporting companies – Equifax, Experian, and TransUnion – have established a centralized and secure credit report request service, annualcreditreport.com, to process requests for free credit file disclosures, as required by law.

The site is for exclusive use of consumers requesting their free credit report every 12 months under the Fair and Accurate Credit Transactions Act (FACT Act). Annualcreditreport.com is the only service authorized by Equifax, Experian, and TransUnion. Consumers should not provide their personal information to any other company or person in connection with requesting free annual credit file disclosures under the FACT Act. To get your free reports, request them online through annualcreditreport.com or call 877-322-8228. For help in interpreting your credit report, you’re welcome to call BALANCE®, the free, confidential financial-counseling service for credit union members. BALANCE counselors are available Monday through Saturday by calling 888-456-2227 or by linking to BALANCE.

Identity Theft: Reduce Your Risk

Identity theft occurs when someone uses your name or personal information, such as your Social Security number, driver’s license number, credit card number, telephone number or other account numbers, without your permission. Identity thieves use this information to open credit accounts, bank accounts, telephone service accounts, and make major purchases – all in your name. Information can be used to take over your existing accounts or to open new accounts. Identity theft can result in damage to your credit rating and denials of credit and job offers.

Identity theft commonly begins with the loss or theft of a wallet or purse. But there are many other ways that criminals can get and use your personal information in order to commit identity theft. To learn more and see examples of identity theft, read this article on PrivacyRights.org.

While there is no guarantee that your identity will never be stolen, there are steps you can take to minimize the risk:

  • Sign up for and use online banking to reduce the amount of paperwork with your personal information on it.
  • Reduce the number of credit and debit cards you carry in your wallet.
  • Shred any documentation with personal or financial information on it.
  • Do not use debit cards at all when shopping online.
  • Keep a list or photocopy of all your credit cards, debit cards, bank accounts, and investments — the account numbers, expiration dates and telephone numbers of the customer service departments.
  • Never give out your SSN, credit or debit card number or other personal information over the phone, by mail, or on the Internet unless you have a trusted business relationship with the company and you have initiated the call.
  • Install security software that protects against viruses and scans for spyware to protect your computer.
  • Never permit your credit card number to be written onto your checks.
  • Watch the mail when you expect a new or reissued credit card to arrive.
  • Order your credit report at least once a year.
  • Create strong passwords and PINs (personal identification numbers), do not use the last four digits of your Social Security number, mother’s maiden name, your birthdate, middle name, pet’s name, consecutive numbers or anything else that could easily be discovered by thieves.
  • Memorize all your passwords, don’t write them down.
  • Shield your hand when using a bank ATM machine.
  • Do not carry your SSN card in your wallet except for situations when it is required.

For more resources and ways to keep your identify safe, see PrivacyRights.org’s article How To Reduce Your Risk of Identity Theft.

  • Contact the fraud departments of the three major credit bureaus. Request that a “fraud alert” be placed on your file and include a statement that creditors must get your permission before any new accounts are opened in your name. For more information, visit the Equifax,
    Experian
    , and TransUnion websites. Visit www.annualcreditreport.com to get a free copy of your credit report from each credit bureau so that you can dispute any inaccurate information.
  • File a police report. Contact the non-emergency line at your local station to report the information. Get a copy of the report to submit to your creditors and others that may require proof of a crime.
  • Create an ID Theft Report. Use the FTC Online Complaint Assistant to create your ID Theft Affidavit. Visit the Federal Trade Commission website for more information reporting identity theft.
  • Contact all the creditors involved. Let them know that your accounts may have been compromised, or that new accounts have been opened in your name. If your accounts have been used fraudulently, ask that new cards and account numbers be issued to you. Check your billing statements carefully and report any fraudulent activity immediately. If unauthorized accounts have been opened in your name, many bank and creditors will accept the FTC’s ID Theft Affidavit in order to close the fraudulent account and remove the information from your credit report.
  • For more resources and details related to the tips above, Read Identity Theft: What to Do if it Happens to You on PrivacyRights.org.

Identity Theft Resource Center

BALANCE® Financial Fitness Program

Federal Trade Commission Identity Theft Clearinghouse

Social Security Administration SSA Fraud Hotline

U.S. Postal Inspection Service

Avoid Phishing scams

Phishing (pronounced “fishing”) is a type of online financial fraud where a con artist uses e-mail and a phony Web site to trick you into giving out your personal data.

Here’s how it works: A con artist sends an email that looks like it’s from your bank, credit union, or credit card issuer. The email asks you to provide information to the company through its website, and the scammer has conveniently provided an embedded link for you to click. The link takes you to what looks like the bank or credit union’s legitimate site. But, in fact, it’s a counterfeit site set up to collect all sorts of data – account numbers, passwords, credit card data, and Social Security numbers – that the con artist will use to defraud you.

The “phisher” has a variety of “hooks” in his tackle box. Many play on fears that fraudulent activity already has occurred on your account. They encourage you to act now to stop further abuse and might include phrasing like:

  • “We need to verify your personal information.”
  • “We’ve placed a hold on your account due to failed log-ins or suspicious activity.”
  • “Failure to respond leaves us no choice other than to close your account.”

When well-meaning consumers respond, the next thing they know, their checking accounts have been emptied, their credit cards maxed out, and their personal data used to open fraudulent accounts in their name!

Until now, customers of big banks and Internet merchants have been the main targets. (Crooks like to cast thousands of e-mail hooks knowing some “phish” will bite.) But as one of the state’s largest credit unions, we can’t dismiss the possibility that phishers will try to con our members, too.

What you can do to avoid getting “reeled in”

  • Know that we’d NEVER e-mail you asking you to verify personal data or correct problems with an account. Nor do we send emails with embedded forms soliciting sensitive information. If you receive an email like that, call us right away at 1-888-628-4010 or forward the email to
    accounts@inspirusCU.org
    !
  • Type our URL into your browser when connecting to our website (or bookmark it). We have only one website: www.inspirusCU.org.
  • Don’t trust any unsolicited email asking you for personal information, credit card numbers, ATM PINs, etc. If you ever doubt an e-mail that says it’s from us, call and check it out. We can verify if one of our employees really did send you an e-mail.
  • Use the latest version of your browser. Also, periodically visit your browser-software vendor’s Web site to download security patches.
  • Check your online accounts regularly. If you see anything suspicious, let us know!
  • Review all statements promptly and compare any charges to your receipts. Your statements are often the first clue to fraudulent activity.

The three biggest tip-offs to “phishing” and other fraudulent e-mail:

1. They’re usually not personalized with financial institution information like your account name and number.

2. They often list scenarios (showing negative consequences) if you don’t act immediately.

3. They may contain flawed grammar or spelling errors.

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New Users

Brand new user or a joint account holder logging in for the first time? Follow this link to register for a new digital banking username and to log in for the first time.

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Email is an unsecure method of communication. Sensitive information such as account numbers, passwords, and social security numbers should be omitted from email messages. If you’re a member and would like to send a secure, encrypted email, please log into Online Banking, select Support, and click on Secure Email.

Proceed to Email

Cardholder Inquiry Service

Cardholder Inquiry Service provides customer phone support for general inquiries and provides product/service information for Visa cardholders. Visa Global Customer Care Services team provides information regarding general account or card benefit questions.

24/7 Concierge Service

Wherever your travels take you, this complimentary service can help plan your trip, book dinner reservations, and find sports or entertainment tickets.

Learn more: visasignatureconcierge.com

Payment Protection

Use your card to make purchases anywhere. With EMV Chip security, you’re protected from unauthorized use of your card or account information. Learn more here.

Travel & Emergency Assistance

In the event of an emergency, you can get connected to local emergency and assistance resources available when you are away from home.

Warranty Manager Service

Provides you with valuable features to help manage, use, and even extend the warranties of eligible items purchased with your card. You can access these features with a simple toll-free call. Services include Warranty Registration and Extended Warranty Protection.

Cell Phone Protection

Cardholders will be reimbursed for damage to or theft of an eligible Cellular Wireless Telephone.

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Easily pay one-time or reoccurring bills through our Digital Banking Platform. Once you sign up, you can schedule payments in advance to all service providers, all on one screen. It’s free and doesn’t require postage, so you save money.

Your guide to Bill Pay

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Opening an account shouldn’t cost an arm and a leg, and it won’t at Inspirus!

Digital & Mobile Banking

Use your desktop or web-enabled smartphone for an easy and more secure way to do all your banking through our Digital Banking Platform. For even more convenience, download our mobile app for access to your accounts anytime, anywhere.

For mobile banking:

Easily download the following apps, then set up mobile banking.

Learn More

Visit our FAQs.

Elements of Money Program

A financial program that provides a full suite of resources to help shape your teen or tween into a financially-savvy adult. All products are co-signed by parents or guardians, allowing you to pick the exact combination that’s right for your child’s maturity and individual needs.

Learn More

Verified by Visa

Inspirus members are automatically enrolled. When making an online purchase from a participating merchant, you’ll be asked to activate Verified by Visa for your Inspirus Visa debit card. Simply verify your identity and create a unique password that you’ll use to make secure transactions. That’s it!

Learn more

Travel accident and baggage delay insurance

Use your Platinum Card the next time you travel and you and your family will be automatically insured. That means less worrying about lost luggage and more peace of mind should an untimely accident occur.

Description of Coverage

Traveling? Don’t forget to notify us! 1-866-820-4927

Auto Rental Collision

Receive coverage for automobile rentals made with your Visa card. This benefit provides reimbursement (subject to terms and conditions) for damage due to collision or theft.

Learn more

Inspirus mortgage professionals are a part of the Nationwide Multistate Licensing System & Registry & Registry (NMLS) which promotes uniformity and transparency throughout the real estate industry. Each mortgage professional is identified by their individual NMLS number in the Registry System. You can use the NMLS® Consumer Access℠ to verify a mortgage professional’s legitimacy.

Inspirus Mortgage Loan Officers

Inspirus members have the ability to pay off a loan at any time with absolutely no repayment penalty or fee.

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Email is an unsecure method of communication. Sensitive information such as account numbers, passwords, and social security numbers should be omitted from email messages. If you’re a member and would like to send a secure, encrypted email, please log into Online Banking, select Support, and click on Secure Email.

Proceed to Email

Here is the breakdown

Public Schools - K to 12

$341,277.30

Communities Supporting Schools & Education

$108,280.79

College Partnerships

$63,920.00

Associations for Education Administration

$95,100.00

University Partnerships

$43,041.86

Total Giveback for 2018

$651,619.95

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Skip-A-Payment

Feeling the pinch this month and could use a little extra cash? Skip-a-Payment lets you defer your monthly payment on eligible Inspirus Credit Union loans without affecting your credit rating. We’ll simply add the payment to the end of your loan term, so a 60-month loan becomes a 61-month loan.

Specifics:

Visit our FAQs to learn more

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ACH DIRECT TRANSFER AUTHORIZATION FORM

Have funds transferred each month automatically from accounts at other institutions through ACH Direct Transfer, and get the same benefits as those with Direct Deposit or Payroll Deduction. You can submit this form electronically via Digital Banking Platform, under the “Additional Services” tab.

AUTHORIZATION FOR DIRECT DEPOSIT OF RETIREMENT FUNDS

This form comes directly from the Washington State Department of Retirement Systems (DRS) and allows them to forward all retirement benefit payments to the financial institution you authorize. Routing number: 325082266

VISA® CREDIT CARD AUTOPAY AUTHORIZATION

Your credit card payments can be automatically deducted from your credit union savings or checking account. Pay the minimum due, the entire balance, or a set amount.

PAYROLL DEPOSITS FOR SCHOOL EMPLOYEES

Have a portion of your paycheck deposited automatically – for as little, or as much, as you want.

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Card Personalization

Create a card that is uniquely you for only $10. Choose your favorite photo or select from a gallery of pre-designed images. Crop, rotate, or flip your photo selection for the desired look.

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Move Money

Make money transfer in the Digital Banking Platform by clicking on the Transfers widget. There you will be able to make quick, one-time transfers or schedule recurring transfers like loan payments. It’s simple:

  • Select the account you wish to transfer money from
  • Choose the amount you would like to transfer
  • Select the account where you’d like the money to go

You can also send money in real time using the PayDough widget. All you need is a valid email address or mobile phone number.

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No annual fees

Stop paying to use your own card. Get peace of mind with a credit card that won’t charge you an annual fee to use it.