Phishing, Vishing, and Smishing
Phishing: Uses fake emails that look like they came from a legitimate source—such as your credit union. A Fraudulent attempt to obtain sensitive information such as usernames, passwords and Debit Card details by disguising oneself as a trustworthy representative of a company or organisation in an electronic communication. Do not action these emails – just delete them.
Vishing: A fraudster can phone you, claiming to be from your Credit Union, bank, the Gardaí, Revenue or a service provider such as a telephone company, internet provider or computer company. They trick you into believing they are a legitimate representative of the organisation and that it is in your interest to give the information they ask for such as your personal financial credentials such as one time passcodes required for 3D secure transactions and setting up your smart phone with Apple Pay, Google Pay and Fitbit pay. We recommend hanging up immediately. When in doubt, always contact NMCU.
Smishing: This is exactly like phishing. It is an attempt to solicit your personal information – only the channel is via text messaging. Text messages sent to random phone numbers requesting you to click on an attached ‘link’ to ‘update’ ‘verify’ or ‘activate’ your personal details on your account. Do not action these messages – just delete.