Phishing is when you receive an email from someone pretending to be a legitimate business concern/entity. More than likely, it’s an attempt to steal your identity and commit fraud. You can read the FTC consumer alert on phishing for more information. The subject line of these emails can vary, but the email will usually contain a link directing you a website where you are asked to update personal information (Member Numbers, Social Security numbers, PIN numbers, passwords) that the legitimate organization already has. LOC and Your Email Address LOC Federal Credit Union will never request that you send personal information via email unless you are using the Message Center feature in online or mobile banking. When you receive an email from LOC, it should use the @locfederal.com format, with the exception of eStatement notifications which use LOCFCU@email.mystatement.org If you receive a suspicious email that says it's from LOC Federal Credit Union, do not respond, open any attachments or click on any links. This is more likely than not an unauthorized attempt to gain access to your personal information for purposes of fraud or infect your computer with a virus or malware. You should be suspicious of any email that appears to be from us containing links (other than a link to our website) to a page asking you for your personal account information. When in doubt, call to verify before you provide information in response to an unsolicited request. If you receive a suspicious email claiming to be affiliated with LOC Federal Credit Union, forward the email to firstname.lastname@example.org and let us know that you believe it is suspicious so we can investigate the source, and alert our membership. Once you have forwarded the email, please delete it from your mailbox. What if I have already replied to an email I believe is fraudulent or provided my personal information on a website? Contact us immediately to alert us to the situation. We also suggest you contact one of the three major credit bureaus and discuss whether or not you need to place a fraud alert on your file. This will help prevent thieves from opening a new account in your name: Equifax 800-525-6285 P.O. Box 740250 Atlanta, GA 30374 Experian 888-397-3742 P.O. Box 1017 Allen, TX 75013 TransUnion 800-680-7289 P.O. Box 6790 Fullerton, CA 92634 You may also want to sign up for ID Protect® available through LOC, if you haven’t already done so.