Fraud Alert

Member Alert: Phishing Attacks Increasing

Phishers are focusing their efforts on sending out large phishing blasts via phone calls and text messages. They have been successful in some cases as individuals have responded by providing personal and financial information. Phishing remains a leading fraud exposure to our industry this year. Although the delivery channels of the attacks has shifted from email links to text messages and phone calls, they continue to occur daily. As the mobile channel continues to grow, member understanding and awareness is a must on the various types of phishing attacks. The following defines the recent phishing methods:

Land Line Telephone “VISHING”

Vishing, (Voice phISHING) is the voice counterpart to phishing. Rather than being directed by e-mail to a web site, an e-mail message asks the user to make a telephone call. The call triggers a voice response system that asks for the user’s card number or other personal or financial information. The Initial bait can also be a telephone call with a recording that instructs the user to phone an 800 number or another area code within or outside of the United States. Because people are used to entering card numbers over the phone, this technique can be effective.

Text Message “SMISHING”

Smishing (SMs phISHING) is the mobile counterpart to phishing. Rather than being directed by email to a web site, a text message is sent to the user’s cell phone or other mobile device with some ploy to click on a link. The link triggers an exploit in the phone’s operating system which leaves it susceptible to running unauthorized code, which could retrieve personal information.


  • Azalea City Credit Union will never ask you for personal or financial information via text message or phone calls.
  • Never respond to text messages or phone calls asking for personal or financial information, regardless of who the sender appears to be.
  • Immediately report any suspicious activity on your account to the Credit Union

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