Fraud Prevention

We like you and we value your business, so we don't want you to become one of those thousands of Canadians who, every year, lose millions of dollars to scammers, fraudsters and con artists. Online, mail, door-to-door, by telephone; where there's a way, these thieves will try and find access to your identity and your money. Doesn't matter if you're an individual, or a business, they want your money and to leave you with nothing but a very negative impact on your finances, your reputation and your trusting nature.

The good news is that we're here to minimize your risk and to prevent you from becoming a victim. Read over this list as a refresher, or if you don't have much knowledge of fraud prevention, these are some ways you can start being safer.

Protect your passwords. Passwords aren't meant to be shared, either on purpose or through carelessness. Secure them using password encryption (often offered through your browser or your operating system) or, if you've written them down, lock them away. Best option: don't write them down at all. Memorize them. And don't use the same password everywhere if it's not encrypted.

Protect your personal identity. Use a paper shredder or some other means to safely dispose of your personal data (old bills & receipts); waste and recycling bins are not safe.

Familiarize yourself with fraud tactics. You may already be aware of how fraudsters work, but new methods show up all the time. The Canadian Anti-Fraud Centre is an excellent resource on the latest frauds in Canada. They also provide a helpful list of ways to recognize a fraud attempt. You can also check with the Better Business Bureau in your area, as well as the RCMP website for late-breaking fraud action.

Use the built-in security features of your mobile device. Every cellphone and mobile device has built-in ways of securing access, and you should use them. And if you do lose your phone, you can do something about it. Read this article: What To Do When Your Mobile Phone Is Lost or Stolen.

Use only software and applications from trusted manufacturers/distributors. Try and download any new software or app directly from the developer's website, or straight from the manufacturer (Apple, Microsoft, etc.) and not from an article or blog link. Use a high quality virus protection program that updates its database regularly, runs in the background and checks downloads automatically. 

We're doing our part to help you bank safely

ACU has policies and practices in place to safeguard and maintain the accuracy and security of information we collect. These meet or exceed all privacy standards established by industry guidelines, provincial legislation, the federal Personal Information Protection and Electronic Documents Act (PIPEDA) and all other applicable laws.

Privacy standards. If you bank with us face to face, online or through mobile, your privacy is protected. To learn more, see Safeguarding Your Personal Information.

Safe online forms. All forms on our website are encrypted, so no information can be intercepted while the form is transmitted to us.

Online banking security. When you use ACU Online Banking, we activate security features that ensure you can conduct your banking in a safe and private environment. See Internet Security for details.

Security alerts. If you bank online, you can set up alerts that notify you by email or text message when there is unauthorized access or activity on your accounts. This is an excellent way to make sure your account is safe and secure. To learn more, see Know When You’re At Risk: Get the Alert.

What to do if you become a victim of fraud, or are aware of a scam

First of all, please act quickly so that others will be protected. Many scams may breach consumer protection laws (those enforced by the Competition Bureau, other government and law enforcement agencies), and could also breach the fraud provisions of the Criminal Code.

Fraud needs to be reported, even if they didn't scam you. The Competition Bureau of Canada outlines how to report frauds and scams.

If you are a victim of a scam or fraud, and have suffered property or monetary loss, contact the Winnipeg Police Service at 204-986-6222.

Report email and SMS spam. See Canada's Anti-Spam Legislation page, and check the link for the Spam Reporting Centre.

 

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