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Equifax Data Breach

Recently, Equifax reported a breach that occurred mid-May through July 2017 impacting approximately 143 million U.S. consumers. According to the Equifax website, the information accessed primarily includes names, Social Security Numbers, birth dates, addresses and some driver’s license numbers. Additionally, the credit card numbers for approximately 209,000 U.S. consumers were illegally accessed. You can read more about the Equifax breach on their website.

Carolina Trust is unaware of any fraud specifically related to the Equifax breach involving your Carolina Trust credit and/or debit card. We will continue to monitor the situation and reach out to you if fraud is identified on your account. As a reminder, if fraudulent activity occurs on your account related to a known breach, you bear zero responsibility as long as you report the suspicious activity to the Credit Union within 60 days from your statement delivery date. Routine monitoring is key to protecting your personal financial information. Carolina Trust provides several free methods of secure account access so you can quickly identify suspicious activity:

  • Review your monthly financial and credit card statements for any unauthorized charges and immediately report any suspicious activity to the issuing financial institution.

  • If you recently changed your phone number(s), mailing address or email address, please contact Carolina Trust so we can update our records. If we suspect that fraud may have occurred on your account, we want to communicate with you as soon as possible.

  • Sign up for eStatements. Receiving your statement via our free eStatement service is more secure than having a paper statement delivered by mail. Our online eStatements require accountholders to go through multiple layers of identity authentication, whereas stolen or misdirected mail is often an easy target for identity thieves. Also, report any lost or stolen debit or credit cards immediately (after Credit Union hours for Debit: 1-888-918-7810 and Credit: 1-800-654-7728).

  • Routinely view your account through our free and secure online and mobile banking services. Account transactions are posted real-time, allowing you to immediately review withdrawals and deposits. You may also access your VISA® credit card account through online banking at carolinatrust.org.

  • Within online banking, establish free Account eAlerts and VISA® Purchase Alerts to notify you via email and/or text message if certain transactions are made on your account. For example, the Automated Withdrawal eAlert notifies you if funds are automatically withdrawn from your account (as in the case of an ACH payment). The Large Withdrawal alert allows you to specify the minimum dollar amount that should trigger an e-notice. Electronic alerts are not only free and convenient, but many are also customizable and provide real-time notice.

  • For helpful articles regarding ways to protect your identity, visit free education and security training for computer and Internet users.

  • As a matter of healthy account maintenance, take advantage of free annual credit reports from any or all three of the major credit reporting bureaus. Each bureau will provide you with a free copy of your credit report, at your request, once every 12 months. You may receive them all at once or stagger the reports over a 12-month period.

Carolina Trust also offers affordable ways to monitor and protect your identity through DELUXE Provent’s ID Theft and Fraud Protection services. If you have any questions about the security of your account, please contact your Credit Union at 843.448.2133, ext. 3. Your peace of mind is important to us.

 




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