At Vibe, we employ various security features in our Online and Mobile Banking platforms:

• Password Management features that include minimum and maximum lengths, special characters, numbers, and minimum letters requirements.
• Multi-Factor Authentication (MFA) Offerings such as One-Time Passwords (OTP) and Biometric availability, like fingerprints and face ID, requires the user to provide more verification factors before final login.

Vibe Credit Union also partners with Falcon Fraud Manager to secure debit and credit cards:

• Falcon Fraud Manager is a 24-hour monitoring service that checks everyday transactions for potential fraud. If the system suspects fraud, you may receive a text alert or phone call to verify the transaction details.

To take advantage of this free service, please ensure we have your current cell phone information in your online or mobile banking settings.

Prevention is the best protection, and we want our members to be protected at all times. Below are some great tips to help keep your personal and financial information protected.

Vibe Credit Union recommends these best practices:

• Monitor your credit union accounts regularly to make sure that unauthorized transactions are not occurring on your account.
• Set up Account Alerts so you will be notified immediately of any unauthorized activity.
• Monitor your credit reports to ensure no identity theft has occurred. You can request a copy of your credit report once a year for free from www.annualcreditreport.com.
• Be cautious of fraudulent websites and phishing scams. Vibe will never reach out to members unsolicited for personal or account information via email, text, or phone. 

Contact us immediately at 248-735-9500 if you receive a communication that you suspect is fraudulent and is presenting itself as originating from Vibe Credit Union. Learn how to block unwanted calls with Consumer Advice from the Federal Trade Commission. 

• E-mails from Vibe Credit Union will never ask members to download software or provide personal information.
• Beware of credit card skimmers attached to point-of-sale card readers, such as the ones you use to pay at gas pumps. Skimmers attempt to steal your card data and PIN. 

If you suspect something, do not use that machine.

• Use caution when using peer-to-peer payment services such as Cash App, Paypal®, and Venmo. To reduce the risk of fraud, never send money or perform transactions with someone you do not know.

Identity Theft Resources
Signs of Identity Theft
Report identity theft and get a recovery plan

Stay up to date on the latest scams and how you can avoid them by visiting the Cybersecurity page of the Vibe Credit Union Blog today. 

Postcard Scam. 

If you receive a postcard in the mail asking you to call about an "important matter" regarding your mortgage, this postcard is in no way affiliated with Vibe Credit Union or our partners, and we advise that you do not call the number listed or provide any financial information.

If you have any questions or concerns about your mortgage, call or text us at 248-735-9500. 

Spoofing Scams.

Vibe has been made aware of a new spoofing scam where an individual impersonating a Vibe employee is calling members regarding charges made to their Vibe Credit Card. 

These calls and individuals are in no way associated with Vibe Credit Union. 

We will never call or text you requesting account details. 

Text Message Scam.

We have been informed of a text message scam that has targeted Vibe Credit Union members and non-members that asks you to click a link in order to restore your account.

This text message and link are NOT affiliated with Vibe Credit Union in any way.
 
As a reminder, Vibe Credit Union employees will never ask you to verify the following information:

• Full debit or credit card numbers or PIN
• Online/Mobile banking password
• A one-time verification code or link that was sent
• Ask you to log into your account to verify transactions.

Surge in mail theft-related check fraud schemes.

Each year, Americans trust the U.S. Postal Service® with billions of letters and packages, and the vast majority of those arrive safely at their intended destinations. But there are always thieves who will target the mail. Postal Inspectors investigate these crimes and arrest thousands of mail and package thieves each year. Still, there are extra steps you can take to ensure your mail arrives safely at its destination.

If you believe you've been a victim of mail theft-related check fraud, contact the USPIS at 1-877-876-2455 or go to https://www.uspis.gov/report to report the incident.

Visit www.uspis.gov/tips-prevention/mail-theft for tips on how to protect against mail theft. 

If suspect you're a victim of a theft involving USPS money orders, go to https://www.usps.com/shop/money-orders.htm for guidance on how to replace a lost or stolen money order.

AARP compiled a list of the top 7 scams to watch out for:

1. Cryptocurrency-romance scams combine crypto scams with romance scams, posing as internet love interests so they can persuade their targets into downloading an app and investing in fake crypto accounts.
2. Payday loan scams exploit workers by offering fake payday loans that they claim will help people settle their bills. Loan applicants are told they’ll need to prepay a fee. The money goes into the crooks’ pockets, and the applicant gets nothing. 
3. One-time password (OTP) bot scams employ automated programs to trick people into sharing the two-factor authentication codes sent to them via text or email. The automated program that’s trying to log into your bank account wants the code that the bank sent to you as a precaution so that it can get in.
4. Student loan forgiveness scams utilize phony application sites aimed at stealing applicants’ Social Security numbers and bank information, and sometimes they contact targets by phone, pressuring them into applying and charging a fee for their help. 
5. Puppy purchase scams try to exploit dog lovers by offering cute puppies for sale on the web. Scammers request money upfront for the puppy only to later request additional funds for bogus fees, such as travel insurance and unique items for a dog that never existed in the first place.
6. Check washing scams happen when crooks steal checks from mailboxes and use household chemicals to erase the original name and dollar amount, leaving blank spaces they can fill in. It’s possible to convert a $25 check to one for thousands of dollars.
7. Free-gift QR code scams trick consumers into scanning fake QR codes placed over real ones. Scammers may call and say they’re going to send a QR code to your phone so that you can receive a free $100 gift card. In reality, the QR code may take you to a malicious website.