New Fraud Alert Threat impacting ABCO Members

It has come to our attention that some members are receiving phone calls from people purporting to be from ABCO FCU regarding potential fraud on their accounts. The caller ID reflects that it is coming from ABCO and the correct phone number is shown, but it is not from the credit union.

ABCO Federal Credit Union will NEVER ask for this type of information! The scammers are then using this information to set up transactions and access to members’ accounts and credit cards. 

NEW THREAT: scammers are pretending to be from a merchant (store) and are asking members to key is a code into their phone.

DO NOT ENTER ANY CODES - HANG UP AND CALL THE MERCHANT DIRECTLY!

Recently, an announcement was made by the White House stating that many may be eligible for “Student Loan Relief”. Click HERE to read the Fact Sheet released by the government.

With this new announcement has also come an uptick in phishing scams targeting those that may be eligible. The scammers call or email, pretending to be from the persons Student Loan Provider or the Federal Government Agency overseeing student loans. They then ask for confidential/identifying information such as Address, Date of Birth, Social Security Number, Federal Student Aid Account and login information and Bank Account Information.

Here are some examples of false claims that may come across:

• “Act immediately to qualify for student loan forgiveness before the program is discontinued.”

• “Your student loans may qualify for complete discharge. Enrollments are first come, first served.”

• “Student alerts: Your student loan is flagged for forgiveness pending verification. Call now!”

• “You are required to pay an amount upfront to ensure you are eligible for the program”

NOTE: The FSA (Federal Student Aid) office will never call and ask for confidential information such as TINs and Account Login Information.

Click HERE for more information on Student Loan Forgiveness Scams.

Most that are eligible will not need to take any action to receive the relief.

If there are questions, the person’s Student Aid/Student Loan Provider should be contacted directly.

Fraudsters continually find new ways to trick innocent people out of money or personal identifiable information. Whether it's an imposter scam – impersonating a credit union employee, a grandchild, debt collector, etc. – or stealing someone’s identity, these fraudsters know how to pull it off.

Using common channels like emails, texts, phone calls, and social networks; fraudsters typically disguise their identify while retrieving your confidential information.

Fraudsters will use several different social engineering techniques to acquire sensitive information such as usernames, passwords, and account or payment card details – all while trying to trick you into believing they are from the credit union:

• Phishing (through email)

• Vishing (through phone calls)

• SMiShing (though SMS/text messages)

• Malware (malicious software)

Fraudsters will also spoof the credit union’s contact info (phone number; email, etc.) to appear to be from the actual credit union.

One common approach used is the fraudster (impersonating the credit union) claims that fraudulent transactions have been detected on your account and the credit union needs to verify your personal information. You may be asked to identify yourself with personal information, account info, login credentials, or a one-time passcode.

Recognizing scams can be difficult. But you can minimize the potential impact by knowing what to look for, taking the right action steps, and remaining vigilant.

Common Warning Signs

Scams are often hard to detect at a quick glance; however, these common red flags can help. Keep in mind…it is not uncommon for fraudsters to use intimidation tactics and urgent requests.

• Don’t always trust the display name - criminals will spoof the email name to appear to be a legitimate sender

•Check for misspelled words, bad grammar, and/or typos within the content

• Be cautious of clicking links and opening attachments- DON'T CLICK unless you are confident of the sender or expecting the attachment

• Asking you to share a one-time passcode sent to your device (when they called you)

• Check the salutation - many legitimate businesses will use a personal salutation

• Do not provide personal information when asked

• Be suspicious of “urgent” or “immediate” response needed or “unauthorized login attempt” of your account

• Don’t believe everything you see. Brand logos, names and addresses may appear legitimate

• The recipient group seems random or unusual (e.g. all last names begin with the same letter)

• The email appears to be a reply to a message that you didn’t actually send

• Monitor the sender’s email address for suspicious URLs & domains – often using similar letters and numbers

• If something seems suspicious; contact that source with a new email or phone call, rather than just hitting reply

• Always, be wary of tempting offers

ATTENTION:  IMPORTANT SCAM ALERT

It has come to our attention that members have been victims of a recent scam attempt.

SCAM DETAILS:

When the individual is using their computer, an alert pops up telling them that there is a virus on their computer.  It advises them to call Microsoft immediately and provides a phone number.  When the member calls this number, they are connected to a live person that claims to need access to their computer.  When the victim complies and enables the person on the phone to gain access to their computer, the scammer tells the member that they are sending a wire into the member's account, which the member should send back to them in the form of gift cards.  In actuality, the caller has just moved the member's own funds around in the account to make it look like they received a wire. 

Later, the member will come into a credit union branch to withdraw the funds to send gift cards to the scammer at the address provided.  When the member realizes that something isn't right, it's oftentimes too late, because they already sent the gift cards.  If they try to call back to the phone number, it is no longer in service. 

This scam has been around for awhile and it frequently resurfaces with a different twist.  One common version of this scam starts with an email from someone that you trust - a pastor, teacher, charity, relative - asking you to send gift cards.  The sender's email account may have been spoofed.  Be sure to call the person who's name is on any request for gift cards to verify that he or she actually sent it. 

Be aware!

1. Neither ABCO FCU nor other financial institutions will contact you to ask for personal account information or to gain access to your devices.

2. Never permit anyone that is unknown to you, or who is unauthorized, to gain access to your devices and accounts.

3. If it sounds unusual, out-of-the-ordinary or "fishy", contact your credit union first!

ABCO Federal Credit Union Management

URGENT NEWS!

URGENT:  It has come to our attention that there have been companies calling our members, claiming that it is on behalf of ABCO FCU, requesting personal information. This is a scam - do not provide any information.

Please note that ABCO Federal Credit Union and our agents will never call, text or email members requesting account information.

Introducing Our Financial Education Center

At ABCO, we care about education. (After all, we were founded by a group of teachers!) We’ve recently launched a new portal on our website with several resources to encourage financial learning. These include:

Video Library

Here you will find short videos on a range of financial topics and some how-tos. These are designed for quick learning.

Article Library

The Article Library contains more in-depth information on current trends in finance and the economy.

Scam/Fraud Alerts

ABCO cares about the privacy and security of your information. View the latest scam alerts.

For the Kids

This page contains resources for parents and educators to educate children at home.

We hope you find these resources helpful! Have a question about a financial product or service that is not covered in our Financial Education Center? Send an email to membercare@abcofcu.org

ABCO Federal Credit Union's mission is to improve the lives of our members and their families; now, during this pandemic, this is especially true as we work diligently to meet your needs. Our top priority is the health and safety of our members and staff, while fulfilling our essential mission to ensure your access to funds and financial services. We are focused on bringing everyone through this crisis in good fiscal and physical health.

First and foremost, I want you to know that your funds are secure! Be assured that even during these challenging times, your credit union is healthy and a safe financial institution in which you could trust your funds and all of your transactions. With comprehensive electronic security policies and procedures, we are always alert to detect risks and prevent problems. We're also watching out for our members, providing you with information to help you avoid the latest scams. Be vigilant and contact us directly if you have questions about your accounts. Remember, we won't reach out to you via regular email to obtain any confidential information.  

ABCO Federal Credit Union is here to help our members. We are responding to this unprecedented challenge by offering our members some useful options to ease the strain on your finances if you've been negatively impacted by the Coronavirus. We are permitting deferred payments and skip-a-pays on most loans (conditions apply to certain loan types); mortgage and home equity loan deferments for hardship situations; fees waived for early withdrawals on share certificates; an emergency loan program; and an auto loan refinance program with no payment for 90 days (conditions apply to this offer).  

To protect our members and staff, we continue to follow the Executive Orders of the Governor of the State of New Jersey and the guidelines of the CDC. We've limited contact by reducing lobby hours in some locations and eliminating them in others. Loans are generally being delivered electronically, although for those who need an in-person closing, appointments are available. Our offices are continuously supplied with disinfectant cleaners, gloves and masks and we ask that any member that enters one of our facilities also wears a mask. ABCO is very attentive to social distancing, maintaining some staff in our offices with adequate room and others are working remotely. We're doing everything we could to avoid unnecessary contact, while delivering the services that are vital to our members.

As we work through this challenge, the staff and volunteers of ABCO Federal Credit Union extend our thoughts and wishes for good health to all of our members, even as we offer our most sincere condolences to those who have lost a beloved family member or friend. We look forward to that day when we could all come back together again, in physical and fiscal health, focused on a bright and rewarding future!

The Department of the Treasury has announced that financial institutions have begun receiving Economic Impact (Stimulus) Payments for their account holders. Below you will find information to help you understand the process.

The IRS urges the public not to call them to inquire regarding this stimulus payment. The IRS will calculate and automatically send the economic impact payment to those who are eligible. Check the Status of Your Payment at IRS.gov

If you have already filed your 2019 tax returns, the IRS will use this information to calculate the payment amount. For those who have not yet filed your return for 2019, the IRS will use information from your 2018 tax filing to calculate the payment. The economic impact payment will be deposited directly into the same account reflected on the return filed.

Members who receive Social Security Benefits or Railroad Retirement benefits will have the EIP deposited to the account where those benefits are directed.

Members who receive their IRS tax refund via check will receive the EIP payment by check as well. These checks will look like the tax return checks but will reflect that it is an EIP Payment in the memo area of the check.

For security reasons, the IRS plans to mail a letter about the Economic Impact payment to the taxpayer's last known address within 15 days after the payment is made. The letter will provide information on how the payment was made and how to report any failure to receive the payment. If you are unsure if you're receiving a legitimate letter, the IRS urges you to visit IRS.gov first.

IMPORTANT: The IRS urges taxpayers to be on the lookout for scam artists trying to use the economic impact payments as cover for schemes to steal personal information and money. The IRS will not call, text, email or contact you on social media asking for personal or bank account information at any time - even related to the economic impact payments. Emails with attachments or links claiming to have special information about economic impact payments or refunds should not be accessed.

For the most up to date information, we encourage you to visit www.irs.gov/coronavirus

Immediate Release March 16, 2020

We want to make our members aware that there is an increase in fraudulent activity given the current state of affairs.  Please review the information below and use extra caution when responding to individuals or organizations looking for personal information or funding.

The Financial Crimes Enforcement Network (FinCEN) encourages financial institutions to remain alert about malicious or fraudulent transactions similar to those that occur in the wake of natural disasters. 

1. Imposter Scams – Bad actors attempt to solicit donations, steal personal information, or distribute malware by impersonating government agencies (e.g., Centers for Disease Control and Prevention), international organizations (e.g., World Health Organization (WHO) or healthcare organizations.

2. Investment Scams – The U.S. Securities and Exchange Commission (SEC) urged investors to be wary of COVID-19-related investment scams, such as promotions that falsely claim that the products or services of publicly traded companies can prevent, detect, or cure coronavirus.
   
   
   

3. Product Scams – The U.S. Federal Trade Commission (FTC) and U.S. Food and Drug Administration (FDA) have issued public statements and warning letters to companies selling unapproved or misbranded products that make false health claims pertaining to COVID-19. Additionally, FinCEN has received reports regarding fraudulent marketing of COVID-19-related supplies, such as certain facemasks.

4. Insider Trading  – FinCEN has received reports regarding suspected COVID-19-related insider trading.

Annual Meeting Postponed

With an abundance of care for our members and staff, the Board of Directors has determined that we will postpone our Annual Meeting of the Membership, which had been scheduled to take place on Tuesday, March 17th, 2020. We will announce the new date and time as soon as we could safely reschedule.

We continue to monitor the news and recommendations from the CDC and are prepared to ensure that we appropriately manage the risk to our staff and members.

Thank you to our members for your understanding and we hope that everyone remains healthy as we navigate these challenges.

Planning for Coronavirus

We at ABCO FCU are always focused on the safety, security and well-being of our members and staff.  In these times, with a significant concern about the Novel Coronavirus (Covid 19), the flu and other communicable illnesses, we encourage you to follow the recommendations of the CDC, including frequent and thorough handwashing, proper nutrition and sufficient sleep.

ABCO FCU is prepared to respond to all manner of events which have the potential to disrupt our members’ lives and normal business operations  We are closely monitoring the news and government websites to ensure that we are well advised about the progress of the coronavirus situation.

In the event that you cannot or do not want to conduct your transactions in person at one of our branches, ABCO offers many other ways to handle your business, including:

·       Mobile banking app with mobile check deposits (some restrictions may apply);

·      Online banking 24/7/365;

·      ATM machine access for cash withdrawals;

·      Call center staffed from 9am – 6pm Monday-Friday and 9am-1pm Saturday; and

·      Phone banking.

Please continue to visit our website for more information about these services and for any updates that pertain to ABCO FCU.  Thank you for your trusting ABCO for your financial needs.  We wish you and your family a healthy, safe and happy Spring! 

Donate to Support Heart Health at ABCO Branches in February

February 1st through 29th

Heart disease is one of the leading causes of death, second only to cancer. Frequent heart screenings and learning about heart health can substantially lower your risk of having a heart attack. Please consider donating to one of the following local organizations that are providing clinical research, heart screenings and quality care for the treatment of congenital heart disease. Donations can be made at any ABCO FCU branch during the month of February or online!

Egg Harbor Twp. and Atlantic City Branches

American Heart Association

Advocating for improvements to cardiovascular disease prevention, care and research at the local, state and national levels for over 100 years.

All donations received will support innovative research for more effective treatments and training to first-responders in cardiovascular care, enabling 220 million people to learn CPR each year. The American Heart Association is a registered 501(c)(3) For more info and to donate log on to: https://www.heart.org/en

Browns Mills, Mt. Holly & Willingboro Branches Deborah Hospital Foundation

Providing heart, lung and vascular care to patients without the ability to pay for over 100 years.

All donations received will support the Deborah Heart and Lung Center, located in Browns Mills, NJ for clinical research and for the treatment of patients with congenital heart disease located in the United States and from around the world. The Deborah Hospital Foundation is a registered 501(c) 22-2049500 For more info and to donate log on to: www.deborahfoundation.org

Cooper & Glassboro Branches

Cooper Foundation

Your contribution will benefit cardiology research & education at The Cooper Heart Institute located in Camden, NJ.
The Cooper Foundation is a registered 501(c)(3) 222213715 For more info and to donate log on to: https://foundation.cooperhealth.org/

Join Us for Our Annual Meeting March 17, 2020

All members in good standing are invited to attend this year's annual meeting! This is your opportunity to hear from our Board of Directors, Supervisory Committee and Management to learn about the prior year's achievements and the future year's goals. Your voice and your participation in the direction of our credit union is vital to the success of our financial cooperative!

We'll also hold our annual elections to the Board of Directors; as we have sufficient candidates to fill each vacancy, there will be no nominations from the floor.

To RSVP, please send an email to annualmeeting@abcofcu.org with your name and the number in your party by Sunday, March 15th. We look forward to spending time with our members to enjoy conversation and refreshments, as well as share with you our vision for the future at ABCO FCU!

ABCO FCU Annual Meeting
Tuesday, March 17, 2020 at 6pm
Rancocas Community Center
203 Main Street
Rancocas, NJ  08073

It has come to our attention that a significant data breach has been reported by Wawa and that some of our members’ card information may have been obtained. We are in the process of obtaining the information that we need to quickly identify any cards involved and to determine a plan to remediate the risk to our members. We will keep you updated as we learn more about this situation.

Notice of Nominations for the Board of Directors of ABCO Federal Credit Union

The Board of Directors of ABCO Federal Credit Union will hold its Annual Meeting on Tuesday, March 17, 2020, in accordance with our bylaws. At this meeting, there will be an election to fill two positions on the Board of Directors. A Nominating Committee was appointed and they have submitted the names of two individuals to fill these positions. They are:

John Agner – Mr. Agner has served on the Board of Directors for the past year and prior to that he was an Associate Board member. He is an attorney and was an Assistant Principal in the Winslow Public School system. Mr. Agner has contributed much to the Board of Directors since he arrived, most recently participating in a thorough review of our Bylaws.

Barbara (Bobbi) Greif – Mrs. Greif is currently the Secretary of the Board of Directors, having served in this role for 15 years. She joined the Board in November 2002 and has worked diligently on committees and in maintaining accurate records of the Board meetings. Bobbi worked as a teacher in the primary grades for 33 years, starting out in Burlington Township and fulfilling most of her career in Southampton Township.

Additional nominations may be submitted to the Secretary of the Board of Directors, ABCO Federal Credit Union, P. O. Box 247, Rancocas, NJ 08073-0247, to be received no later than February 2, 2020. Nominees must submit a statement of qualifications and relevant biographical information, along with a statement from the nominee confirming that they will serve if elected, and a petition with the signatures of 1% of the membership (approximately 333 signatures needed at this time). If you have any questions regarding this process, please direct them to Jill Peterson at 800.225-1859.

New ATM Installation/Service Interruption

 We are excited to announce brand new ABCO FCU ATMs will be installed in the coming weeks. Please be aware that our ATM will be unavailable at the following locations on the following dates:

 Willingboro – Friday, 9/27 1:00-5:00pm

Glassboro – Friday, 9/27 9:00am-1:00pm

 Atlantic City - Wednesday 10/2 9:00am-1:00pm

 Egg Harbor Twp. – Wednesday, 10/2 1:00-5:00pm

 Rider University – Thursday, 10/3 1:00-5:00pm

 Browns Mills - Thursday, 10/3 9:00am-1:00pm

 Cooper Hospital - Friday, 10/4 9:00am-1:00pm

 We apologize for any inconvenience. Rewards and Protection Plus checking accountholders – please remember you can use any CO-OP or Starsf ATM up to 6x/month surcharge-free.

We hope you like our new ATMs.

New Site Launch!

 On July 31st we went live with a new website!

Things to love about our new site:

•   A clean, modern format

• An optimal experience whether you are viewing from a desktop, laptop, tablet, or phone

•   ADA-compliance which will allows those who use assistive devices for web surfing to access our site content

  Important Notes:

1                    Please be aware that our new web address is www.abcofcu.org.

2                    This change has not affected online banking. Your login credentials are the same.



We are always working to improve your ABCO member experience and we hope you enjoy the new site.

Support area students by donating school supplies at any ABCO branch location now through August 15th! With your donation, children and teens throughout South Jersey will have the opportunity to start the school year confident and ready to learn. Donations will be dropped off at the Center for Family Services in late August.

Backpacks for ages 4-18 (preferably without wheels)
Loose leaf paper (both wide-ruled and college-ruled)
Spiral notebooks (both wide-ruled and college-ruled)
3- ring binders (no larger than 2")
#2 Pencils
Blue and black pens
Hand sanitizer
Plain 2-pocket folders
Dividers (to insert into binders)
Crayons (24 ct. or more)
Markers
Highlighters
Glue Sticks
Pencil boxes
Post-It notes
Index Cards
Sharpies/Permanent Markers
Graph Paper
Tissues (any size)
Erasers
Dry Erase markers

About Center for Family Services

Center For Family Services is a strong and innovative non-profit organization dedicated to improving lives. With a history dating back to 1920, they remain committed to uplifting individuals and families through our innovative continuum of care.

Headquartered on Benson Street in Camden City, New Jersey, Center For Family Services has office locations and programs at more than 68 locations across New Jersey's southern region.

ABCO Cares about education! ABCO Federal Credit Union is a proud supporter of the ABCO Federal Credit Union Foundation, which was established in 2013 to offer scholarships to high school students in the areas that we serve. The foundation has a strong belief in supporting post secondary educational endeavors through scholarship awards for students in pursuit of a college education, post secondary training, apprenticeships and/or career development programs.

We are pleased to announce the (7) winners which will receive $1,500 scholarships this year.

Allyn Daniels - Gloucester Co. Institute of Tech.
(Hampton University)

Brett Guetens - Washington Township HS
(West Chester University)

Anthony Iatarola - Washington Township HS
(Rowan University)

Caitlin McGeehan - Woodbury Senior HS
(Temple University)

Terrence Meekins - Camden County Technical HS
(Stevens Institute of Tech.)

Madeleine Sonday - New Egypt HS
(Hofstra University)

Eric Uhorchuk - Clearview Regional HS
(Rowan University)

Congratulations to all of our winners!

If you have a child or grandchild who is a senior in high school this year, he/she can apply for the 2019/2020 scholarship. The application will be available on our website in January 2020.

Due to a recent regulatory change, mobile deposits must be endorsed as follows: “FOR MOBILE DEPOSIT ONLY ABCO” and include your member number. This information is reflected in the instructions as well as the user agreement on the mobile app. 

Please be advised that all mobile deposits lacking this endorsement will be returned. To ensure that your mobile deposits are processed when received we ask for your cooperation in providing the proper endorsement on the back of those checks.

Thank you for using mobile banking! We hope you enjoy the convenience of this service.

NJ Financial Literacy Act Goes Into Effect

In cooperation with Governor Phil Murphy and the New Jersey Legislature, Acting Governor Sheila Oliver signed A-1414 into law on Jan. 3, 2019. The new law requires financial literacy instruction to pupils enrolled in grades six through eight. Instruction will include content on budgeting, savings, credit, debt, insurance, investment, and other issues associated with personal financial responsibility as determined by the State Board.

"I am delighted the financial literacy bill was signed into law, so students can receive education on key topics that they will need for the rest of their lives," Senator Addiego said. "We must reach people early on in life so they can plan ahead and build a foundation of financial knowledge that will help them live an independent lifestyle."

NJ credit unions have been partnering with the NJ Credit Union League to sponsor Financial Reality Fairs to students since 2010.

WHAT IS A FINANCIAL REALITY FAIR?

A reality fair is a fun way for students to learn about managing finances. The program is offered to students from 6th grade through college with no cost to the school. Grants are offered from the New Jersey Credit Union Foundation for NJCUL member credit unions.

For more information and details: 
http://www.njcul.org/index.php/reality-fairs

ABCO FCU encourages financial literacy!

ABCO Community Supports Operation Yellow Ribbon's 'Treats for Troops'

ABCO FCU staff and members were proud to be a part of Operation Yellow Ribbon's "Treats for the Troops" program this year! ABCO FCU branches were utilized as drop-off locations for cookie and other baked good donations for this program that aims to bring holiday cheer to troops serving overseas.

Over 100 lbs. of cookies and treats were collected at ABCO FCU branches and local students submitted over 200 handwritten cards and letters expressing holiday wishes and support for the troops. "Give with all your heart and you will always feel the spirit of the season," said Melanie Green, Business Development Representative. "I just really wanted to thank our troops that serve and can't be with their families this holiday."

ABCO FCU employees volunteered with the OYR staff and local community in Medford on Dec. 1st to collect and package donations. In total, Operation Yellow Ribbon shipped over 4,500 lbs. of treats and thousands of letters to our service men and woman all over the world! Thank you to all of our employees and members who donated.

About Operation Yellow Ribbon

Operation Yellow Ribbon is an official 501(c)(3) non-profit registered with the state of New Jersey and consists of volunteers who show support for our United States Military Forces serving in the Middle East including Iraq, Afghanistan and those supporting Operation Enduring Freedom and Operation Inherent Resolve.

http://www.operationyellowribbon.org/

ABCO Community Donates to South Jersey Food Banks

ABCO FCU is happy to announce that with help from our members and staff we were able to collect nearly 800 lbs. of food for the Food Bank of South Jersey and the Community Food Bank of New Jersey. ABCO FCU made an additional donation of $500.00 to support the initiative.

Bins were set up in our branches throughout the month of November. Generous members and employees contributed canned goods, pasta, peanut butter, box stuffing and other items suitable for holiday dinners to benefit the food insecure in South Jersey.

 Thanks so much to everyone who contributed.

About the Food Bank of South Jersey

The Food Bank of South Jersey provides food to people in need, delivers health and wellness programs, and designs sustainable solutions to help people improve their lives. They annually link 12 million pounds of food with a network of more than 150 charitable food providers, such as food pantries, community kitchens and shelters in Camden, Burlington, Gloucester & Salem Counties.

About The Community Food Bank of NJ

CFBNJ is the largest anti-hunger organization in New Jersey. From food distribution, to packaging orders for local food pantries and soup kitchens, to reaching communities with limited resources through mobile pantries, their 200 employees fight hunger in Atlantic, Cape May, Cumberland, Burlington, Mercer, Monmouth & Ocean Counties every day.

FBSJ and CCFBNJ are 501(c)(3) non-profit organizations and are members of the Feeding America network of national food banks which provide statewide resources to eliminate hunger in designated service areas.

Fraudsters look for every opportunity to prey on the kindness of others and the current situation in Ukraine provides an opportunity for a number of fundraising schemes to emerge.

Tips to Avoid Falling Victim to Fundraising Schemes:

• Research the organization requesting the donation. If you are not familiar with them or it feels uncomfortable, find an organization you know and trust instead.

• Be wary of phone calls, texts and emails (often with a link to a spoofed website), social media networks and banner ads.

• Do not click on links or an attachment to donate online in an email from someone unknown to you.

• Do not provide personal identifying information or debit/credit card numbers in response to an unsolicited charitable request.

• Be wary of anyone requesting wire transfers or cryptocurrency. Do not donate gift cards.

• If you feel you have been a victim of a fraud, call 800-225-1859.

ABCO Federal Credit Union Management