Welcome to NAEFCU's website

***Important!!!  New Government Regulations Affecting 
Your Overdraft Privilege***  

Effective 7/01/2010 for new accounts and 8/15/2010 on existing accounts, we will no longer be able to authorize and pay your overdrafts for ATM withdrawals and debit card transactions unless you opt-in for this service.  Please take the time to briefly read the new ruling and click here to complete the online consent form.

***GOING GREEN  In an effort to support the "GO GREEN" campaign, effective April 2, 2010 we will no longer be printing and mailing NSF/ ODP notices to account holders.  This effort will save a tremendous amount of paper and many trees!

You can participate in the nationwide GO GREEN campaign by signing up for home branching (it's free!) here on the website.  After you have home branching access you can sign up for e-statements where all your statements will be securely and conveniently archived for 5 years!  

*****The latest information regarding your account is only a click away*****

***IRA ACCOUNTS  Receive a rate of 2% when you open an IRA account with a minimum of only $100.  No annual maintenance fees, insured up to $250,000, and stability of a fixed return.

***FRAUD ALERTS  Please remember to never give out any of your account information. We, our vendors, regulatory agency(NCUA), other credit union affiliates such as CUNA, VACUL or any other legitimate agency will never contact you and ask you to provide any personal information such as your social security number, account number, PIN or passwords via email, text message, telephone or mail for confirmation or security purposes.  If you ever receive this type of communication contact us immediately, report the incident to the Federal Trade Commission (FTC- www.ftc.gov) and file a complaint with the Internet Crime Complaint Center (www.ic3.gov)  .

Fraudulent calls usually start on weekends when fraudsters know we are closed.

*Fraud Alert from the FTC:   Mortgage Loan Audit Scams

******BEWARE OF SCAMS!!!!***** 

LATEST FRAUD SCHEME

The latest fraud attempt within the financial industry is called ZBOT or ZeusBot. This is a very intelligent virus and many anti-virus programs may not yet detect it. Therefore, there are little preventative measures you can take to protect against infection from this latest fraudulent malware. It is very important to monitor your accounts for any suspicious activity.

If you receive a pop-up similar to, “WE DO NOT RECOGNIZE THE COMPUTER YOU ARE USING.  TO CONTINUE WITH ONLINE BANKING PLEASE PROVIDE THE INFORMATION REQUESTED BELOW,” and are asked to “CONFIRM YOUR IDENTITY” by entering CONFIDENTIAL, detailed information contained on your credit card INCLUDING YOUR ATM PIN NUMBER, YOUR COMPUTER IS INFECTED!!!!!  Do Not Provide ANY Information!

Please recognize that NAE Federal Credit Union will NEVER ask for your PIN and anytime someone does they are attempting a scam.

If your computer has been infected, please contact a professional to eradicate the virus unless your anti-virus provider has an alternative.

If you receive an email or pop-up requesting such information on your NAE Federal Credit Union account please notify us IMMEDIATELY by calling 757-410-2000.

NEVER GIVE OUT YOUR ACCOUNT INFORMATION! IF IT LOOKS TOO GOOD TO BE TRUE IT IS!!!

Better Business Bureau Warns of Mystery Shopper Scam:  The Connecticut Better Business Bureau is warning residents about a new consumer scam: Offers to become "mystery shoppers." A New Haven man, for example, received a cashier's check for $2,900 in the mail as an incentive to become a "mystery shopper." All he had to do, the offer said, was deposit the check and wire a total of $2,560 by Western Union and MoneyGram back to the company, Washington-based Extreme Secret Shopper. Suspicious, he contacted the CT BBB instead of depositing the check. CT BBB president, Paulette Scarpetti, says it's a good thing he did. "There are legitimate mystery shopper jobs available, however in the case of a phony offer, typically the cashier's checks are fake, the consumer loses any money wired to a sham company and ultimately the victim is also liable for bank charges when the fake checks bounce."

National phishing scam targets Sprint cell customers that they say is reaching "epidemic" proportions nationwide.  People are receiving text messages
(The Pittsburgh Tribune-Review Via Acquire Media NewsEdge) Jan. 24

 Pittsburgh police investigators warned cell phone customers Friday about a text-messaging scam that they say is reaching "epidemic" proportions nationwide.  People are receiving text messages as part of a phishing scam, in which victims are asked for their bank account numbers and PINs, said Detective Christopher Jordan of the Computer Crimes Unit.

The scam affects Sprint cell-phone customers and involves dozens of banks, police said.

A typical text message might read: "This is an automatic message from Star Bank. Your ATM card has been deactivated, and it is urgent that you call the following number."

Those who send a text message to the number included in the phishing-scam text typically receive a return text asking for bank account and PIN information, Jordan said. Those who call the phone number, usually a 1-800 number, would be prompted to enter personal banking information through an automated system.  The numbers included in the scam texts are "spoofed," Jordan said, easily created using computer software.

"You basically call or text someone from your phone and your number, but this software makes it so that another number appears on the caller ID," Jordan said. "We haven't been able to trace or track these numbers."

 Check out this link for information on ID Theft and financial literacy.