What is vishing? The term "vishing" is a socially engineered technique for stealing information or money from consumers using the telephone network. The term comes from combining "voice" and "phishing," which are online scams that get people to give up personal information.

How does it work? Typically attackers use a technique called caller ID spoofing to make it look like calls are coming from a legitimate or known phone number. It's a very similar technique to email spoofing, which makes email addresses look like they are coming from a trusted source. But because people typically trust the phone service and caller ID, spoofing phone numbers can be particularly damaging. And just like with online phishing attacks, which direct consumers to phone Web sites, vishing attacks usually have a recorded message that tells users to call a toll free number. The caller is then typically asked to punch in a credit card number or other personal information.

How can you protect yourself?

Be aware. Know that these scams exist.

Be suspicious of all unknown callers.

Don't trust caller ID.

Ask Questions-Ask them to idendify themselves and check if they are legitimate

Call them back-Never provide personal information to anyone who calls.

Register your number on the Do Not Call list.

To Learn more about "vishing" and other Fraud Prevention ..select the "Resources" tab above and then select " Identity Theft Resources".

Remember: Your Credit Union will never ask for or give your personal information over the telephone or by e-mail. We will , however, from time to time deliver a message to your e-branch e-mail address. Please be sure that we have your correct e-mail address.