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Guardian
Fraud Protection Service
Guardian Fraud Protection Service is a comprehensive suite of
services provided by Police Credit Union to keep your transactions
safe and secure.
What Guardian will do for you?
- Identify high risk transactions
- Assess and where required, monitor the high risk transactions
- Monitor fraud trends within Australia and globally
- Take proactive action to recover funds were a fraud has occurred
What Products/Access Channels are covered?
- Visa Debit/Credit Card
- Internet Banking
- Telephone Banking
- Mobile Phone Banking
- EFTPOS
- BPAY
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And of course you are covered by the Guardian Money Back Guarantee
This means that if you suffer a loss as a result of a fraudulent transaction, we will credit your account with the amount of the loss provided you:
- You have not directly contributed to the fraud; and
- Have notified us promptly of the fraud.
If you notice any unusual transactions on your account, please contact us immediately on 1300 131 844.
Thinking about travelling overseas?
You should let your Guardian know.
By notifying us of your travel plans, it will allow us to monitor high risk transactions more effectively and avoid any possible inconvenience by us taking preventative action against what could be legitimate transactions.
Click here for more important information.
Keeping your money safe and secure
Your Security Checklist
Here are some advice to keep in mind to make sure your online banking experience is hassle free:
- Never provide your personal details. sign-on, password, credit card or account details in response to any email - even if it looks like PCU sent it.
- Police Credit Union will never ask you to confirm your details via phone or email - we already have them on file!
- Do not click on links or attachments in emails sent from a source you do not know or trust; or to access PCU's Internet Banking site.
- Review your transaction history every time you log onto Internet Banking, and also check every statement for transactions you do not recognise.
Computer Security
Viruses / Trojans / Keyloggers / Spyware
You don't have to be too tech savvy to protect your computer - anyone can do it!
Computers can be easily infected by malicious software that can transmit personal information to other parties, who then may use that information to raid your bank account or compromise your credit card.
Here are some tips to protect your computer:
- Ensure you have the latest Anti-virus/ Anti-spyware protection installed, and have it set to update automatically.
- Regularly run scans of your PC using the updated security software.
- Utilise the software's Firewall function.
- Avoid accessing internet banking from shared computers or internet cafes.
- Always click on the "logout" button to exit Internet Banking.
For further security tips & more information on current Internet Banking scams & alerts, click here.
Articles
"Police Credit Union owes you money" Guardian Fraud Watch - April 2011
There is a current scam doing the rounds where the caller advises you that Police Credit Union owes you a refund of fees.
The caller then asks for further personal details such as date of birth, credit / debit card number or even a tele-service code (although they don't use that actual term). They are looking for enough information to commit fraud in your name.
Don't fall for it!
- Click here to read the Fraud Watch article and find out how you can stay alert to this scam.
A guide to protecting your identity
The Australian Government has released a booklet full of information on what you can do to prevent yourself from becoming a victim of identity theft by protecting your personal information, financial information and computer, and what to do if you do become a victim of this crime.
- Click here to read the Identity Theft booklet in full
Overseas Trading - You could be at risk of losing your money...!
If you are looking at transferring funds overseas to buy a commodity, such as shares or gold - you may be duped into investing in a bogus scheme.
- Click here to read the Fraud Watch Article in full
Vishing - Scam Phone Calls to Credit Union Members
Credit Union Members have been receiving automated phone calls requesting they confirm certain account details. This is another type of scam, known as vishing, and is being used in an effort to gain your personal information.
- Click here to read the Fraud Watch Article in full
ATM Skimming Incidents on the rise!
Over the past three months there have been 47 confirmed instances of skimming devices being fitted to ATMs over the East coast of Australia. Cards skimmed from just one ATM in Sydney recently led to over $400,000 if funds being stolen from accounts.
- Click here to read the Fraud Watch Article in full
Be cautious of Virus Infected Emails!
Keep an eye out for an email advising that someone has been sent your bank statements via an email error. The attachment contains a virus and should not be opened under any circumstances!
- Click here to read the Fraud Watch Article in full
South Australian victims lose millions by investing in the 'cheap shares' scam!
Over $3 million has been invested in the 'cheap shares' scam from SA victims alone. There are now two additional companies believed to be involved in the scam.
- Click here to read the Fraud Watch Article in full
Online Airline Ticket Scam contains Malicious Attachments!
Be aware of emails suggesting an Airline Ticket being charged to your credit card - particularly when you know you haven't purchased a plane ticket recently.
- Click here to read the Fraud Watch Article in full
Cheap shares offered for Major Companies. I don't think so!
If you receive an offer that is too good to be true - chances are it probably is!
A fraud warning has been issued regarding an offer for cheap shares for major companies. US based company Greenfield Insurance has become affiliated with the scam that is duping people into investing their money into fraudulent accounts.
- Click here to read the Fraud Watch Article in full
ATO warns of email scam
The Australian Tax Office is the latest subject of would-be scammers, with a hoax email that requests you supply personal information as well as credit card numbers.
- Click here to read the Fraud Watch Article in full
Congratulations, you've won a 'free' holiday - or have you?
If you get a phone call out of the blue advising you that you have won a free holiday, chances are it will cost you a lot more than you expect.
This recent scam has hit PCU Members & customers of other financial institutions in their hip pocket, with credit card details being gained by deceit and used to make fraudulent purchases.
- Click here to read the Fraud Watch Article in full
Overseas lottery wins are too good to be true
Did you know that to win an overseas lottery you actually need to have bought a ticket in that particular lottery and you WILL NOT need to pay to receive your winnings?
Whilst the above may be an obvious & logical statement to many of us it serves as a reminder of the way many fraudsters will try to rip people off - including 2 PCU Members.
- Click here to read the Fraud Watch Article in full
Protect your identity on Facebook & Myspace
Did you know that when setting up a Myspace or Facebook profile that you are often providing enough information for a criminal to steal your identity?
When you meet a stranger in the street, you normally don't tell them your full name, date of birth, address, names of family members and/or pets and lots of other personal details. Yet you can divulge this information on such websites & thus providing this information to several million complete strangers.
- Click here to read the Fraud Watch Article in full
Travel company warns of telephone scam
Police Credit Union has received advice regarding a scam aimed at stealing an individual's credit card details and possibly their identity. Details of this scam have surfaced in the Eastern states as well as Western Australia, and authorities believe South Australia may be targeted next.
- Click here to read the Fraud Watch Article in full
Protecting Your Information Online
Customer security is the number one priority for Credit Unions regarding online banking. When you access the Internet, it's important that you too safeguard your personal information. This fact sheet will assist you with some practical tips & guidance on secure Internet practice.
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