Security Tips

Online Security Trends

Smishing Attacks - SMS Text Scams: A SMS Text scam, also known as a Smishing, involves someone receiving a text message stating that they need to contact their credit union and provide personal information, they have won a prize and need to click the link in the text or something similar. AACFCU will not ask for your personal information through a text message.

If you provided any kind of account information after receiving a text message, please contact us at 800-448-4096 immediately.

Ransomware Attacks: Ransomware is a type of malware that prevents or limits users from accessing their system, by locking the system's screen completely or blocking access to their files, pictures, etc. by encrypting them until a ransom is paid. Users may encounter this type of threat by visiting malicious or compromised websites or from clicking a malicious link or attachment within an email. Once the Ransomware is executed the user would typically receive an email, or a full-page image would display on the screen, stating that if they want access to their data they would need to pay a ransom.

It is in important to note however, that paying the ransom does not guarantee that user would get the decryption key or unlock tool required to regain access to their infected system or files. 

Unfortunately, if your computer has become infected with ransomware, we cannot advise you on what to do in this type of situation. However, we are more than willing to better educate you on ways to protect against these types of attacks in the future.

What are Spyware and Viruses? 

Spyware and viruses are malicious programs that are loaded onto your computer without your knowledge.

  • Spyware is designed to allow unauthorized access to computer systems and can be used to steal your personal information. Some spyware programs can detect the numbers and letters you enter on your keyboard such as passwords.
  • Viruses are designed to make copies of themselves, quickly using up your computer’s memory. Some viruses can transmit across computer networks.

Protecting Against Spyware, Viruses and Ransomware

There are several easy ways to protect yourself and your computer against spyware, viruses, smishing and ransomware:

  • Anti-spyware protection: Make sure your computer has an anti-spyware protection program that detects and removes all forms of spyware, which can steal vital information. Use this program to scan your computer frequently. Many software companies offer software that will protect you from a wide variety of spyware threats and will also provide customer service in case you have questions. To keep up with any new threats, be sure to keep your anti-spyware program updated.
  • Anti-virus protection: Make sure your computer has an anti-virus protection program that detects and removes viruses. Software from major providers will protect you from a wide variety of threats and will also provide customer service in case you have questions. Be sure to always keep your anti-virus program updated.
  • Automatic upgrades: Buy a protection program that automatically upgrades your spyware or virus protection on a recurring basis. If you don’t have this automatic upgrade feature, make sure you update your spyware and virus detection programs weekly, as well as whenever you hear of a new computer threat.
  • Attachments:  Don’t open attachments, CDs or thumb drives unless you’re sure that you can trust the source. Learn how to manually screen CDs or thumb drives and attachments if your anti-virus software doesn’t automatically do so.
  • Links: Never click on any link(s) on within an email or SMS text message unless it is coming from a known, trusted source.
  • Back up Files: Back up any important files regularly to a separate media device or hard drive and keep it in a safe and secure location.
  • Contact your ISP: Your Internet service provider (ISP) may have more recommendations and technical support for protecting yourself. Contact your ISP for recommendations specific to your computer and network.

 Attention! If you feel you have compromised your account in any way please, please contact us at 800-448-4096 or aacfcu.fraud@aacfcu.com immediately.

Frequently Asked Questions:

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Or speak to a Member Service Representative at any of our branches.