Your Security is Our Top Priority

Northland will never call you or text you to request personal information or account information. We already have member account info and will never call or text to ask for it. Do not share your identifying information. If you receive a suspicious call or text, hang up immediately or delete the message. If you have questions call Northland directly. Do not hit redial.

 

If you believe your identity or security has been compromised, please call us at 989-739-1401.

 

In today's cyber world, protecting your finances is more challenging than ever. It's crucial to stay informed. Check out our Fraud Friday video library to learn more about the latest scams and how to protect yourself.

 

Fraud Friday Video Library

Check Scams

If someone you don't know asks you to deposit a check, it may be a scam. Watch our Fraud Friday episode to learn how to identify fake check scams and protect your identity.

Romance Scams

Be cautious when meeting someone online who quickly wants to communicate off the platform and professes love, especially if they live far away. If they share photos that aren’t actually of them and ask for money or gift cards to visit, it may be a Romance Scam. Watch this episode for tips on protection against such scams.

Identity Theft

Identity Theft takes place when someone improperly uses your personal information such as social security number, credit card or bank account number. Identity theft is a crime that can happen to anyone. Tune in to this episode to discover how to safeguard your identity.

Phishing, Smishing, & Vishing

Phishing, Smishing, and Vishing are all methods of identity theft that differ in how scammers contact you. Phishing involves the contact via email. Smishing involves a text message. Vishing is a phone call scam. Check out this episode to discover how to identify these scams.

Prize Scams

Have you ever dreamt about winning a substantial amount of money or a grand prize? This is precisely why scammers continue to exploit the allure of prizes to obtain your money and personal details. Tune in to this episode to discover more about Prize Scams.

Money Mule Scams

Money Mule Scams often present themselves as enticing job offers, luring individuals with the promise of quick and easy earnings. While transferring money for others may seem harmless, it primarily aids criminals and can result in serious repercussions for you, including financial loss or potential legal issues. Tune in to this episode to discover more.

Mystery Shoppers

A scammer that pretends to be from a well-known company “hires” you to be a mystery shopper. They send you a fake check and tell you to deposit it to buy gift cards from the store and keep the rest as pay. Then, they ask you to give them the numbers on the back of the cards. Check out this episode to learn more.

Mail Fraud

Any fraudulent activity that involves the mail—whether it starts through mail, phone, or online—is classified as mail fraud. There are numerous warning signs that can help protect you from falling victim to mail fraud scammers. Listen to this episode to discover more.

Gift Card Scams

Only fraudsters will advise you to purchase a gift card and share the numbers from the back. If you have bought a gift card and provided someone with those numbers, you have fallen victim to a scam! Click play to discover more about gift card scams.

Tips to Protect Your Identity

Catch this episode to discover the top ten strategies for protecting your bank accounts and personal information.

 

What we are doing to protect your identity

 

  • Our Fraud Prevention team is dedicated to protecting you and your accounts from scammers.

  • We’ve added a new layer of security to our debit cards that is especially useful for cardholders shopping online. One-time passcodes sent to your mobile phone will help us make sure your transactions belong to you.

  • We may request a photo ID before performing any transaction.
  • We recommend members place a password on their NAFCU account.
  • We verify your identity before giving out any financial information or performing any transactions over the phone.
  • We require a signature from the account holder before an address change can be made.
  • Our Digital Banking app provides many security features to protect your account.

Ways you can protect yourself

 

  • Regularly review your account statements and transaction history.

  • Look for unusual or suspicious transactions.

  • Set up transaction alerts.

  • Analyze spending patterns.

  • Shred documents that you dont need to keep that include personal information. 
  • Don't leave your mail in the mailbox overnight. Contact the Postal Service and place holds on your mail when going out of town for an extended time. 
  • Lock up important documents.
  • Put passwords on all of your bank accounts, credit cards, phone accounts, and store your passwords in a safe place.
  • Do not carry more identification on your person than necessary. 
  • Check your credit report for accuracy. 
  • Consider placing a freeze on your credit.  Freezing your credit reduces the ability of anyone else creating a fraudulent account in your name.  Remember you will need to lift the freeze when you want to applying for credit. 
  • Make copies of everything in your wallet or purse. That way, if they are stolen or lost, you know what you need to replace and what accounts you need to freeze.
  • Pay attention to your billing cycles, and follow up with the company if a bill hasn't arrived on time.
  • Do not share your personal information on the phone or via text or email unless you initiated the contact.

How to get a free credit report

 

You can order a free credit report from each of the three major credit bureaus annually by visiting annualcreditreport.com.

Additional Contact Information:

  • Toll-Free Number: 877-322-8228
  • Mailing Address: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

What to do if you are a victim of Identity Theft

 

Call us immediately and call your creditors to protect your accounts.  Close accounts that have been hit with fraudulent charges. 

  • Lost or stolen Northland ATM or Debit Cards
    • 989-739-1401 During business hours
    • 888-241-2510 After hours within the U.S.
    • 909-941-1398 After hours outside the U.S. (collect call)
  • Lost or stolen Elan Consumer VISA Cards
    • 800-558-3424
  • Lost or Stolen Elan Business Cards
    • 800-552-8855
  • Lost or stolen checks 
    • 989-739-1401
    • TeleCheck: 800-710-9898
    • Certegy, Inc: 800-437-5120
    • National Check Fraud Service: 843-571-2143
  • Lost or stolen Money Orders
    • 800-542-3590

Report fraud at each major credit bureau

  • Equifax: Consumer Fraud Division, P.O. Box 740256, Atlanta, GA 30374. 800-525-6285
  • TransUnion: Fraud Victim Assistance, P.O. Box 2000 Chester, PA 19016-2000. 800-680-7289
  • Experian: National Consumer Assistance, P.O. Box 4500, Allen, TX 75013. 888-397-3742 
  • Report all identity theft to the local authorities. Ask the police to file a report and give you a copy; you will need this to help you clear your credit report.
  • Social Security Fraud Hotline: 800-269-0271
  • Federal Trade Commission: 1-877-IDTHEFT (438-4338)
  • Report stolen mail to your local post office.
  • For more information, visit FTC.gov
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