Beware of text message scams!
We have learned that some members have received text messages saying that their debit cards have been blocked, and asking them to call a phone number provided. Upon calling the number, members have been asked to enter their debit card numbers. Please know that we will never contact you via text and ask you to provide any personal or account information.
If you have received this message and provided your debit card number, please contact us immediately at 800-724-9282, or 888-918-7765 after hours.
Equifax Breach - What You Can DoYou may have heard about the Equifax breach that is said to have affected 143 million Americans. The most immediate (and long-term) threat with this sort of breach is identity theft. Equifax is offering a tool that can help you determine whether your data has been exposed—visit their website to learn more. Once you have done that, we recommend that you continue to take steps to protect your identity. These include:
- Don’t respond to emails, texts or telephone calls asking for personal or financial information.
- Frequently review account activity and immediately report unauthorized transactions.
- Consider the 1 year of free ID theft protection being offered by Equifax to all Americans (note: There was initially an arbitration clause inserted in the language for the ID-theft monitoring service that Equifax was offering to all consumers. That language has been removed, and the company claims it does not apply in this case.)
- Place an initial fraud alert with a credit bureau, which is free and will apply to all the credit bureaus.
- Consider the benefits and drawbacks of credit freezes, which are more secure and longer-term than fraud alerts, but more restrictive.
- Always use multi-factor authentication when available.
- Update PINs and passwords, including email passwords, and follow best practices (i.e.: using long and complex phrases, and never re-using passwords).
- Enroll and opt-in for transaction monitoring.
- Use card on/off switches (if available).
- Enroll in Verified by VISA and/or MasterCard Secure Code.
At Reliant, we take your security and the security of your finances very seriously.
There are simple precautions that will keep your identity safe. We've provided information as a courtesy to assist you in protecting yourself from identity fraud and other criminal activities. Review the links and information on this page to learn how to protect your personal and financial information. We continually update this page as new scams, and information become available, so we encourage you visit this page often.
Suspicious Activity – First Steps
- If you suspect suspicious activity on any Reliant account or have provided your Reliant account information to an unknown source, contact us immediately at 800-724-9282 during normal business hours.
- If you suspect fraud with your Visa debit or credit card, contact us immediately at 800-724-9282 during normal business hours or reach us with the after-hours numbers .
- If you suspect fraud related to ACH or wire transactions, contact us at 800-724-9282 immediately. There is a limited recovery window for these transactions and immediate escalation may assist us in preventing further loss.
- Reliant will NEVER contact you by email, phone, or text message to ask you for your account number or other account information. We already have your account information and don’t need to call, text, or email to verify information. It is important that you never respond to phone calls, text messages, or emails that ask you to provide, validate, or update any account information.
- When visiting Reliant's website (or accessing it from a link in an email or through an Internet search) you'll notice a "green bar" in the web browser address box at the top of your screen. This means that Reliant uses an Extended Validation SSL Certificate for added security. The green bar verifies that you are visiting Reliant's official website and that it is safe and secure.
Scams targeting seniors has reached epidemic levels . From the "grandparent scam" in which phony grandchildren call unsuspecting seniors with false horrific tales to bilk them of their money, to financial abuse committed by family members, many seniors today are at risk of financial exploitation. Become familiar with the the Top 10 Scams Targeting Seniors as outlined by The National Council on Aging.
Credit /Debit Card Breaches – The Basics
We strongly encourage you to monitor your account regularly and to call us immediately if you see any suspicious activity. You can be assured that Reliant uses a fraud detection service to regularly monitor the activity on your Reliant credit card accounts.
- Visa Alerts are a great fraud detection tool available to Reliant Visa credit cardholders, adding another layer of protection.
- EMV chip cards add another layer of security and is now available when you open a Reliant Visa credit card. A member who currently has a Reliant Visa credit card will be issued an EMV card prior to the expiration date on his current card. If a member with a non-EMV card wishes to receive an EMV card due to traveling outside the U.S., please contact us.
If you have recently used your card at a retailer where a card data compromise has occurred, you may choose to change your PIN as an added safeguard, in addition to monitoring your account regularly.
- If you have forgotten your PIN or would like to select a new one, call PIN NOW at 866-985-2273.
- We recommend that you change your PIN periodically to better protect your account.
- Ensure no one sees your PIN when you enter it. Memorize your PIN; don’t write it down anywhere—especially on your card—and never share it with anyone.
- Register to receive text message alerts through Reliant’s online banking to help you manage your account activity. You will receive texts when your balance reaches a certain amount and when deposits and payments are made.*
Both Debit and Credit Cards
- Always keep your credit and/or debit cards in a safe and secure place. Treat them as you would cash or checks.
- Do not send your card number through email, as it is typically not secure.
- Do not give out your card number over the phone unless you initiated the call.
- Make sure any Internet purchase is secured with encryption to protect your account information.
- Look for secure transaction symbols, such as a lock symbol in the lower right-hand corner of your web browser, or “https://…” in the address bar of the website. The “s” indicates "secure" and means the web page uses encryption.
- And remember that in the event that fraud does occur, as a Visa cardholder you are protected with Visa's Zero Liability policy^, which means you pay nothing for unauthorized purchases on your account.
Passwords - A Critical Step in Account Security
- Select strong passwords that are different for all of your important accounts. Use a randomized series of at least 8 characters that includes a mix of letters, numbers, and symbols. Letters should contain a variety of upper and lower case.
- Change your passwords regularly - every 60 to 90 days.
- Don't use a password that includes your name, family names, workplace, SSN, DOB, address, etc.
- If you need to write down your password in order to remember it, make sure you don't label it as your password, and keep it in a safe place.
Multi-Factor Authentication Further Protects Your Information
Reliant's online banking system features an additional layer of security to further protect your online banking account called multi-factor authentication. Here’s how it works.
- When you initially login to online banking, you have the option to register your device as "private" so that when you log in going forward, online banking will recognize that you are logging in from your personal device.
- You will then be prompted to choose either phone call, text, or email as a means of contacting you in the event you attempt to access your account from a device that you have not personally registered as private.
- When you are logging in from any device that you did not personally register, you will see a screen that will inform you that you cannot log in until you enter an access code. Whatever method you choose to be contacted (phone call, text, or email), you will be notified within seconds with an access code that you must enter in order to access your account. If you do not enter the access code, both accurately and timely, you will not be able to access the account.
Protect Yourself on Your Mobile Device
- Install an antivirus app on both your personal computer and your mobile device and keep it updated.
- Configure your mobile device to automatically receive security updates on Android devices.
- Update iOS versions as new versions become available on Apple devices.
- Avoid installing Android apps from third-party websites or unreliable sources.
- Read the permissions requested by every application before installing.
- Perform regular backups of data stored in Android devices.
- Protect devices with passwords.
- Don't view or share personal information over a public wi-fi network.
Listed are some of the common scams that we are aware of. As a general rule, if it seems too good to be true, it probably is!
Computer Repair/Problem Scam: Area residents are receiving calls where the caller informs you that there is a virus/problem with your computer. The caller explains that he can resolve the issue/fix your computer if you allow him access to your computer. The caller then requests that you give your credit/debit card number to pay for the service. This scam provides the caller with your credit card information along with data (including passwords) being stolen from your computer. If you receive such a call, we highly recommend that you do not provide any information or access and that you hang up immediately . If you provide your debit/credit card information and /or allow someone access to your computer, contact us immediately .
Telephone Scam - Recent - There is a phone scam that utilizes a slightly different variation of a financial institution’s actual phone number. (For example: 1-888… instead of 1-800… or one- digit off the correct phone number, such as xxx-xxx-xxx 4 instead of xxx-xxx-xxx 2 ) In most cases, it is a result of dialer error. Once the caller calls the bogus phone number, the caller is informed that they won something such as a gift card or a trip. To receive the prize, the caller is requested (either by a person or an automated system) to provide his debit/credit card information via their keypad.
Please note: To contact Reliant’s Member Service Call Center, always call 800-724-9282. Any digit changes when dialing to this number will not reach Reliant.
“Typical” Telephone Scams - From time to time, we are made aware of automated telephone calling systems that target area financial institutions. The calls and messages claim that the person must provide his/her credit or debit card number, PIN, and other confidential account information as a result of a problem or security breach with his/her card.
Secret/Mystery Shopping Scams - These scams have been reported via unsolicited emails or newspaper ads that claim you can earn a living as a secret or mystery shopper by dining at elegant restaurants, shopping at pricey stores, or checking into luxurious hotels. Legitimate programs may offer a small payment for giving feedback about the services they provide. Unlawful programs will ask you to pay an upfront fee, and in turn pay you in one large lump sum (i.e. $2,000 to $5,000) via a check—which will typically bounce, costing you additional money.
Lottery Scams - A lottery scam begins with an unexpected email notification that "You have won!" a large sum of money in a lottery. The recipient of the message — the target of the scam — is usually told to keep the notice secret, "due to a mix-up in some of the names and numbers," and to contact a "claims agent." After contacting the agent, the target of the scam will be asked to pay "processing fees" or "transfer charges" so that the winnings can be distributed, but will never receive any lottery payment.
* Please note that standard text messaging charges apply and that notification takes up to 24 hrs.
^ Refer to your Electronic Funds Transfer (EFT) Disclosure Statement for further details on this policy.