Security Tips

Let's work together to avoid scams and fraud.

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We're here to help you at every turn.

Stay alert and know how to spot potential danger.

Securing your VCCU accounts

We protect information we collect about you by maintaining physical, electronic, and procedural safeguards. These safeguards restrict access to your confidential information to only authorized personnel with specific need to access and utilize your information. We train our employees on how to handle your information to maintain confidentiality and privacy. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer and system safeguards and secured files and buildings.

Social Media Sites

Ventura County Credit Union (VCCU) provides experiences on social media platforms such as Facebook®, YouTube, Twitter®, LinkedIn®, Yelp®, and others that enable online sharing and collaboration among users who have registered with them. All social media websites referenced on the VCCU website, or on social media websites in which VCCU has a presence, are controlled and administered by a third party, are not owned or controlled by VCCU, have different privacy policies from VCCU, and this VCCU Online Privacy Notice does not apply to those sites. Any content you post on social media websites is subject to the privacy policies of those platforms. You should refer to their privacy policies to better understand your rights and obligations with regard to such content and their privacy and information sharing practices.

Scams and Alerts

College students are recruited through social media, including Facebook and YouTube and in-person at college campuses. Willing participants provide the fraudsters with their ATM/debit cards and PINs. The fraudsters deposit fraudulent checks (stolen or counterfeit checks) to the student accounts via ATMs and subsequently withdraw the funds. The fraudulent checks are subsequently returned unpaid and charged back to the students’ accounts. Following the fraudsters’ instructions, the participants report their ATM/debit card as lost or stolen and that the transactions were fraudulent.

Be aware that you may not be entitled to protection for unauthorized use of your ATM/debit card if you willingly provide your card to the fraudsters. Click here for our Electronic Funds Transfers Agreements and Disclosure Agreement.

With the economy and job markets still struggling, unemployed members searching for work have been victimized by “work from home” scams. The members have been contacted, interviewed and hired via email. After performing a minor task like a “mystery shop” or a making a travel arrangement, they receive a check in the mail that represents an “excess payment.” The boss asks them to cash the check at their financial institution, and return the overpayment via Western Union or MoneyGram. The original check ultimately returns unpaid as a counterfeit and the member incurs a loss.

TIP: Ask a credit union employee to verify the check for you before negotiating it!

Members selling an item on an online site such as Craigslist are sent a check for more than the amount requested. The buyer contacts the member and states to deposit or cash the item and send the difference back electronically. Additionally they may state the difference is for a moving company to pick up and transport the item. The member is instructed to send the difference via Western Union or MoneyGram to the moving company. The original check ends up returning and the member is left with a bad check and the merchandise they tried to sell.

TIP: Never accept payment for more than you agreed to sell the item for and make sure to have a credit union employee verify the check before depositing.

Scammers pose as grandchildren in distress and needing money wired to them immediately due to a car accident, an emergency medical situation, or to be released from jail in a foreign country.

TIP: The perpetrator will often plead with the victim not to tell anyone. Credit union employees are kept aware of the current scams targeted at our membership and can help you validate the information before you send the money.

Elderly members are being targeted via the internet on dating sites. The alleged suitor spends time getting to know the victim and gaining their trust and personal information. Soon the scammer asks for money claiming a tragedy has befallen them and they need it desperately. Often they create fake online profiles and prey on the sympathy and loneliness of their victims.

TIP: Never give personal information or money to someone that you have never met. Don’t trust people on the internet even though they may have a dating profile that looks legitimate.

Members answer an online advertisement offering money to have their cars “wrapped” with advertising from a reputable company. The offer usually includes a lucrative up-front payment and then monthly installments for just driving around in your car and displaying their ads. The scammer sends a check for more than was agreed upon and asks the victim to deposit or cash the item and send electronically the difference directly to the graphic artist that will be performing the installation on the car using Western Union or MoneyGram. The check winds up returning and no one shows up to wrap the car.

TIP: Never accept a check for deposit for more than was agreed on upfront and always let a credit union employee verify the check before depositing it.

VCCU is a full-service credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark, California.

Joining the credit union was my best choice; I love the welcoming atmosphere and the warm greetings I get from all the employees!
Ana G., Oxnard