When you log into Online Banking for the first time after our upgrade, you will be required to enter your EXISTING Login ID and Security Code (see below).
Your LOGON ID is your existing online banking login ID. Your Logon ID must contain at least 6 characters. If your login ID is less than 6 characters, you must enter leading zeros to make it the minimum 6 characters.
Your SECURITY CODE is the word security in lower case letters + the last 4-digits of the Primary Account Holder’s Social Security Number.
Example: If the last 4-digits of the Social Security Number are 1234 then your Security Code is security1234
You will be prompted to change your Security Code after first time login in.
If you experience an “unable to validate” error message, then you should delete cookies and cache from your browser. You can also try the login on a different browser. Deleting Cookies and Cache is usually found on your browser’s settings under “privacy”.
We have seen a dramatic rise in reported ATM card skimming cases over the past month.
ATM card skimming occurs when a criminal glues or tapes a magnetic card reader over the top of an existing card reader. This device fits over the top of the existing card reader and is built to look like the original card reader. In many cases, it’s nearly impossible to visually identify if there has been a skimmer placed on an ATM machine. We suggest the following three methods to protect yourself:
A "sophisticated" organized crime group has stolen the personal financial information of more than 104,000 taxpayers directly from the Internal Revenue Service (IRS) website. According to the agency, the IRS recently identified a startling 200,000 attempts from the group to steal personal data.
The information that these criminals used to access the "Get Transcript" app from the IRS, includes Social Security numbers, phone number and addresses, and could easily lead to more targeted schemes. The agency says it will notify affected taxpayers about the incident, and provide free credit monitoring to those whose information was accessed.
The plot to steal this information and hijack nearly $50 million in refunds not only reveals a previous security breach, but exposes a wider new fraud that could cost Oregonians. The breach also highlights what could happen in the future if this personal information is sold on the "black market". Fraudsters who purchase this personal information could open bank accounts, credit lines and steal tax refunds in the future.
"I encourage all Oregonians to be alert for scams aimed at duping taxpayers into handing millions of dollars over to criminals like those who pose as IRS employees," said Attorney General Ellen Rosenblum. "If you believe you have been the victim of an IRS-related scam, please call the Oregon Department of Justice's consumer hotline, and we will help you find resources."
Attorney General Rosenblum has several tips to help protect your personal information and detect scams:
If you have fallen victim to an IRS-related scam, file a complaint with the Oregon Department of Justice online at www.oregonconsumer.gov or by phone at (877) 877-9392.
5/15/2015: Do you use a Starbucks application ("app") to pay for your coffee, pastries, or daily newspaper? If you do, you may be allowing criminals to siphon money from your bank account. The Oregon Department of Justice has learned scammers are changing the account passwords of some Starbucks customers and repeatedly transferring balances to themselves using an auto reload function available on the app. The number of transfers and the amount of money scammers could take is theoretically unlimited, as long as the customer has the auto reload feature turned on.
If you have the Starbucks app on your mobile device, Oregon Attorney General Ellen Rosenblum urges you to immediately turn off the auto reload function.
"It is important to remember that allowing apps access to your personal and financial information opens you up to significant risks, like theft. If you do choose to use mobile pay services, I suggest using strong, unique passwords and making sure any auto-pay or reload functions are turned off. Protect these mobile pay accounts like you would your bank account," said Attorney General Rosenblum.
You should also remember to:
If you think you have lost money to this scam, contact the Oregon Department of Justice online at www.OregonConsumer.gov or call 1-877-877-9392.
ALEXANDRIA, Va. (March 17, 2015) – The National Credit Union Administration has received reports of an online phishing scam that uses a website with a logo and a design similar to the agency’s own site in an attempt to convince unwary customers to provide information or send money.
Consumers have received emails from the National Credit Union website, which apparently originates in Australia and claims to offer services in the United States, Europe and the Commonwealth of Independent States. This website is not affiliated in any way with the National Credit Union Administration, a federal agency, and the emails are not from NCUA.
Consumers receiving such emails should call NCUA’s Fraud Hotline toll-free at 800-827-9650 or 703-518-6550 in the Washington, D.C., area. Consumers should also contact the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center. NCUA also offers information about avoiding frauds and scams on its MyCreditUnion.gov website.
Consumers who suspect they may have become victims of identity theft should immediately contact their financial institutions and, if necessary, close existing accounts and open new ones. NCUA urges consumers also contact the three major credit bureaus—Equifax (800-525-6285), Experian (888-397-3742) and TransUnion (800-680-7289)—to request a fraud alert be placed on their credit reports.
If someone claiming to be an IRS agent calls and demands that you send a tax payment immediately, hang up. The IRS issued a warning this month that consumers across the nation are receiving a surge of aggressive, threatening phone calls from criminals impersonating IRS agents who demand immediate payment, sometimes under threat of arrest.
"If someone calls unexpectedly claiming to be from the IRS with aggressive threats if you don't pay immediately, it's a scam artist calling,” said IRS Commissioner John Koskinen. "The first IRS contact with taxpayers is usually through the mail. Taxpayers have rights, and this is not how we do business."
These phone scams remain near the top of the IRS’s annual “Dirty Dozen” list of tax scams. The Treasury Inspector General for Tax Administration (TIGTA) has recorded nearly 3,000 victims who have collectively been defrauded out of over $14 million.
Scammers alter their caller ID to make it look like the IRS calling, and use fake names and bogus badge numbers. They often leave “urgent” callback requests.
The IRS wants consumers to know that its agents will never:
The IRS also warns of phone scams asking for important personal information like social security numbers — sometimes claiming the consumer is due a refund — which can lead to identity theft.
Before you click, swipe, or tap to buy that “must-have” item on your holiday list, check out these tips to avoid becoming a victim of identity theft or cybercrime. General Credit and Debit Card Tips
There is a heat signature left on non-metal keypads for about 15 minutes after you use it. Infrared cameras, which are easily purchased and attached to smartphones, can be used to measure this heat signature and obtain your PIN. You can prevent this by resting your fingers on other keys while typing in your PIN, which will make it more difficult for thieves to discover your combination. Running your card as credit instead of debit not only protects your PIN from preying eyes and predatory technology, but also keep your PIN and bank accounts safe in the event of a data breach.
We’re working hard to help you shop online, and use credit and debit cards with peace of mind of this holiday season. Look for continued improvements from retailers in the coming year.
By October 2015 both MasterCard and Visa have plans to issue chip-based cards to all customers and hold merchants with outdated equipment liable for any fraud that occurs after this point.
Contact the seller or the site operator directly to resolve any issues. You may also contact the following:
The Oregon Department of Justice has learned about a phone scam targeting Oregon utility customers. Criminals posing as utility customer service agents are trying to get money and steal personal information by representing that customers' accounts are overdue and require immediate payment through unusual means.
The thieves are using sophisticated technology that makes it appear to Caller ID systems that the call is coming from the utility when it is not. If you receive a questionable call, hang up and contact your utility directly at their published toll-free phone number, not through the number provided by the scammers.
Pacific Power, Eugene Water & Electric Board, and Portland General Electric have confirmed the calls are fraudulent. (See Pacific Power's statement online at http://tinyurl.com/m3ny3dp, Eugene Water & Electric Board's statement online at http://tinyurl.com/maxn5xu, and Portland General Electric's statement online at http://tinyurl.com/lyv8xef. Other utilities' customers may be impacted as the scam continues.
If you lost money to this scam, contact the Oregon Department of Justice online at www.oregonconsumer.gov or call 1-877-877-9392.
Much work is being done by the payment card industry and financial institutions to provide a more secure payment processing system that employs encryption and tokenization—which generates and transfers a unique code for each payment transaction, instead of the actual account number, expiration date, and account owner's name, which can be intercepted and counterfeited by hackers for unauthorized charges.
Until that happens, consumers should lock down their financial data and personal information, especially before the busy holiday shopping season begins. Here’s how.
As always, if you have any questions or we can help in any way, contact our Member Service team at 503-364-7999 or (800)273-6962.
Looking to score some hot tickets to that sought-after concert, art performance or sporting event? Counterfeit ticketing is on the rise, especially for major playoff and championship sporting events.
The Oregon Department of Justice is warning fans of all kinds to be on the lookout for scammers looking to swindle consumers with phony tickets.
Don't show up at the event with a worthless piece of paper. Attorney General Ellen Rosenblum offers the following advice to help Oregonians avoid ticket-related scams:
Important: If you have shopped at Target between November 27, 2013 - December 15, 2013 and have used either your debit card, credit card, or your Target REDcard contact Valley Credit Union immediately. If a Valley Credit Union employee has contacted you within the last 48 hrs regarding your account the above message may be disregarded. Please continue to monitor your accounts as we work through this together.
Article: By now, most of us have seen the news release about the 40 Million Credit Cards compromised at Target this past week. Target has now confirmed that there has been a breach to their system that could affect shoppers who have used their credit cards during the time period of November 27, 2013 – December 15, 2013.
“Target says customer names, card numbers, expiration dates and three-digit security codes are at risk. The type of data stolen — also known as “track data” — could make it possible to create counterfeit cards by encoding the information onto any card with a magnetic stripe. If PIN data for debit transactions also was intercepted, thieves theoretically would be able to reproduce stolen debit cards and use them to withdraw cash from ATMs...”
“Target said on its website Thursday that it is working with a third-party forensics team to investigate the breach “and to examine additional measures we can take that would be designed to help prevent incidents of this kind in the future.” Financial institutions were notified immediately after the breach was discovered, the company said.”
Valley Credit Union advises our members to do the following:
Valley utilizes additional software to identify suspicious transactions. In the event of fraudulent activity we will alert our members and block the account. Cards will then be reissued.
If you are a member and have a Target Red Card (Target’s reward Debit Card), you should contact member service immediately so we can take action to prevent fraud.
If you would like more information on the issue search Google News with the wording: “Target Credit Card Breach” or visit Target to hear their official statement.
November 26, 2013- Just in time for the holiday shopping season, Oregon Attorney General Ellen Rosenblum has 10 practical tips to help you watch your wallet, shop wisely, and protect your personal information online.
November 19, 2013 - The Oregon Department of Justice has recently learned Oregonians are receiving pre-recorded messages from imposters claiming to be from MasterCard. The recordings claim the consumer's credit or debit card has been "locked" and they need to enter their 16-digit card number immediately to "unlock" the card.
MasterCard has stated it does not solicit personal or account information from cardholders in this or any other manner and that cardholders should not provide their account information in response.
Attorney General Ellen Rosenblum urges Oregonians to simply hang up the phone if they receive a recorded call seeking cardholder account information, such as account number or PIN. "DO NOT press a button to talk to a sales person, and never give personal information or credit card numbers over the phone unless you have initiated the contact or you are sure you know who you are dealing with," says Attorney General Rosenblum.
If you think you have fallen victim to these imposters, contact the Oregon Department of Justice online at www.oregonconsumer.gov or call 1-877-877-9392.
In general, consumers who have any concerns about the security of their payment card accounts should contact the financial institution that issued the card.
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