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The Latest Security Threats, Scams, & Infromation

Whether you are contacted by mail, phone or email, it is not Texans' practice to contact members unsolicited and ask for personal or financial information. If you are contacted by an entity claiming to be Texans who is requesting this type of information, do not respond and contact Texans immediately at 972.348.2000.

For information on the latest scams, read the postings below.

 

August 2019 - Card Risk Solutions

 

Be on the lookout for:  

It was announced in the media ealier this week that a hacker gained access to more than 100 million Capital One customers’ accounts and credit card applications earlier this year. At this point in time, Capital One is saying that the vulnerability has been fixed and that it is “unlikely that the information was used for fraud or disseminated by this individual.” However, the company is still investigating. It was also noted that “no credit card account numbers or log-in credentials were compromised and that over 99% of Social Security numbers were not compromised.”

Specific to Texans members:  

No, only Capital One customers are impacted by this breach. However, we consider this to be a perfect opportunity to remind everyone of how stolen cardholder information is used to commit fraud. Fraudsters have become increasingly adept at getting cardholders to share the information they need to commit fraud by posing as financial institution call center agents, or by sending text messages that look like they are coming from your institution, warning of suspicious transaction activities. They are also known to call in to call centers posing as cardholders requesting changes to card information and parameters.

 


October 2018 - Free Credit Freezes

 

Be on the lookout for:  

Security freezes, also known as credit freezes, restrict access to your credit file, making it harder for identity thieves to open new accounts in your name. Starting September 21, 2018, you can freeze and unfreeze your credit file for free. You also can get a free freeze for your children who are under 16. And if you are someone’s guardian, conservator or have a valid power of attorney, you can get a free freeze for that person, too.

 

Specific to Texans members:  

No, anyone can freeze there credit. How will these freezes work? Contact all three of the nationwide credit reporting agencies – Equifax, Experian, and TransUnion. If you request a freeze online or by phone, the agency must place the freeze within one business day. If you request a lift of the freeze, the agency must lift it within one hour. If you make your request by mail, the agency must place or lift the freeze within three business days after it gets your request. You also can lift the freeze temporarily without a fee.

Issues with a credit freeze:  

If you think a credit reporting agency is not placing a credit freeze or fraud alert properly, you can submit a complaint online or by calling 855-411-2372. If you think someone stole your identity, visit the FTC’s website, IdentityTheft.gov, to get a personalized recovery plan that walks you through the steps to take.


October 2018 - Money Transfer Fraud

 

Be on the lookout for:  

Companies that offer money transfers deliver a useful service, however, money transfer fraud, or wire transfer fraud, occurs when scammers convince consumers to send them money and then do not deliver goods services or value promised. According to the Washington State office of the Attorney General, U.S. Consumers lose millions of dollars each year due to money transfer, or wire transfer, scams.

 

Specific to Texans members:  

Anyone can be at risk of money transfer fraud. Scammers target everyone. They look for people who appear to be vulnerable, are unfamiliar with the scheme, and are trusting of others.

 

What to do if targeted:  

Contact your local police immediately. You can also report suspected incidents of over-the-phone fraud or Internet fraud by submitting an online report to the National Consumers League's Fraud Center. File a complaint with the Federal Trade Commission or contact our Fraud Department at 972.348.2000.

 


 

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Purchase Rewards allows you to earn cash back on items you already purchase from stores where you already shop! Here's how it works.

  1. Receive personalized offers directly in online or mobile banking
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  3. Get cash back directly deposited into your checking account the following month

Start earning cash back today!

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Manage All of Your Personal Finances, Right Inside Online Banking

This personal financial management tool brings together all of your accounts from virtually every company you do business with, in one place to give you a total picture of your finances. Use it to:

  1. Create a budget that is easy to stick to
  2. Observe your spending behaviors and trends
  3. Gain valuable insight into where your money is going

With the ability to connect to over 20,000 institutions, you can connect and review all of your accounts in one place!

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Plus, when you sign up for online banking, you are eligible for Purchase Rewards, which gives you personalized cash-back offers and deposits the cash-back directly into your checking account each month.

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All you need is your mobile phone and the Texans app to deposit checks anytime, anywhere. It's easy, convenient, and secure.

  1. Snap a picture of both sides of your signed check
  2. Choose the account for deposit
  3. Voila! Your check is deposited.

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Protect Your Card Transactions from Fraud

All Texans debit and credit cards are now equipped with a fraud-fighting microchip that encrypts information when making transactions at a chip-enabled terminal.

  • Insert your card in the chip reader instead of swiping
  • You can still swipe your card when necessary
  • You can still use your card online or over the phone

Plus, chip cards are more widely accepted worldwide so your card is easier to use outside of the U.S.

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Regardless of which card you choose, there are no annual fees with a Texans VISA card. Plus, you can transfer balances from your other high-rate cards without paying a balance transfer fee and take cash advances with no additional fees.

But that's not all. Your Texans VISA comes with online access where you can utilize our personal financial management tool, Money Management, to create a budget and gain valuable insight into where your money is going.

1 Rates subject to change and are based on personal credit history. For more information, visit our Rate Advantage VISA Card page.

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Use your Texans Mastercard Debit Card at more than 70,000 surcharge-free ATMs worldwide through the Allpoint and CO-OP ATM networks, and anywhere Mastercard is accepted. Plus, your Texans Mastercard Debit Card will:

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* For full details and terms and conditions visit our Mastercard Debit benefits guide.

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Protect your debit card transactions, ATM withdrawals, automatic payments and checks or EFTs from a declined transaction.

Overdraft Protection

Your first line of defense uses your accounts to cover overdrafts.

  • $5 fee for each transaction
  • Uses designated savings account or line-of-credit to pay overdrafts

Learn more about Overdraft Protection here

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A one-time opt-in can provide an emergency backup against overdraft.

  • $35 fee for each transaction
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Learn more about Courtesy Pay here

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Texans GAP coverage could save you thousands. If your vehicle is totaled or stolen, your insurance may not pay to cover its full value. That’s where we come in. Our GAP coverage offers low-cost protection if you have a high-cost loss by covering additional funds needed to pay off the vehicle loan. And it’s available on most new and used auto, motorcycle and RV loans1.

 

Major Mechanical Protection

Car repairs today can set you back thousands of dollars. Fortunately, Texans offers its members Major Mechanical Protection (MMP) coverage. This protects you from the unexpected expense of vehicle repairs. There’s absolutely no deductible for repairs and you don’t have to wait for reimbursement — all repair costs are covered up front. Available on most new and used auto loans2.

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