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Sep 17


Jenna, Vice President, Operations

Jenna, Vice President, Operations

Pacific Service Credit Union has been notified of a card compromise related to Home Depot stores that may affect your Pacific Service CU credit, debit and ATM card(s). The compromise took place at all U.S. and Canadian Home Depot stores between April 1 through September 8, 2014.


As a valued Pacific Service CU member, we want you to know that it is our top priority to maintain the privacy and security of all of our cardholders. We are working with Visa to determine the number of cards which were impacted by this unauthorized access. If we determine that any card is at risk, you will be notified and your card will be blocked and replaced. However, the card will be available for use until the new card is activated.


Your Pacific Service CU Visa debit or credit card features Visa’s Zero Liability policy which provides added security against fraudulent activity. In addition, our fraud monitoring systems work 24/7 and are designed to recognize suspicious charges and fraud on your accounts.


In the meantime, we encourage you to monitor your accounts for unauthorized activity. You can check transaction history and set up email alerts in BranchLine. We strongly caution you not to provide any information to those calling you claiming to be Pacific Service CU. These scams are intended to gather more information about you and your account in an attempt to use your old or possibly your new Pacific Service CU card(s). If you notice anything suspicious, please call a member service representative at (888) 858-6878 as soon as possible.


Home Depot is offering free identity protection services & credit monitoring to any customer who shopped at a Home Depot store in 2014, from April on. For more information about the situation, please visit the Home Depot website.

Aug 6


A recent data breach estimates that 1.2 billion user names and passwords have been compromised from more than 420,000 websites. In addition, it is estimated that more than 500 million email addresses were also compromised. At this time, these compromised websites have not been identified.


Pacific Service CU has no reason to believe that our online or mobile banking systems were part of the breach. However, many of our members may have been exposed through other website relationships. As a precaution, we advise you to change your password for all of the websites that you visit, especially your financial and banking sites.


Hold Security, the firm that discovered the theft, says the thieves aren’t in the business of stealing bank account information. That said, it’s a good time to remember to be cautious and aware about potential scams.


Here’s how a potential scam might work:
Phishing and vishing are types of deception to obtain sensitive personal information. An email is sent mimicking the appearance and identity of a company where you shop or have a relationship. The email may request that you update your account information, a credit card number or a password. Do not click any links and delete the email.


Another scam possibility is that your email or social media accounts will be hacked and used to send emails to your contact list advertising bogus products. If you receive a suspicious email from someone you know, it is likely that they have been hacked. Do not click any of the links and delete the email.


Fraudulent emails could avoid spam filters because they are targeted to known customers or contacts, which could result in a greater likelihood that their attempts will be successful in convincing consumers to respond.


Here’s what you can do:

  • Remember that the credit union will never contact you via phone, email or text message requesting passwords, log in information, account number, social security number or any other personal information.

  • Don’t respond to unknown solicitations and don’t give your personal information to unknown people or companies. If you’re suspicious about an email you’ve received, you should visit the company’s website directly by inputing the URL or using a bookmark.

  • Use a different password for each site that you visit. If hackers can access one account, they can access all the accounts with the same credentials.
  • Try a password manager. We recommend using a secure password manager that stores all of your passwords. Apps include Password Box, LastPass, MSecure and eWallet.
  • Change your password every quarter.
  • Use a complex password with a combination of upper case, lower case, numbers and symbols.
  • Watch your account statements for any signs of suspicious activity.
  • Set up account alerts for your financial relationships to alert you when there is activity on your account. You can do this for your credit union account by logging into BranchLine and clicking on the Manage Profile>Manage Alerts tab.
  • Keep your computer’s firewall turned on and keep your operating system, anti-spyware and anti-virus software up to date.
  • Report suspicious activity and suspected phishing attempts to the company being impersonated.

You may also be interested in:
Federal Trade Commission – a good resource for identity theft and current scams
Credit Report – new laws allow a credit report per consumer per year

Jun 26


by Michelle

by Michelle, Assistant Vice President, Operations

by Michelle, Assistant Vice President, Operations

Being prepared is key when traveling out of the state or out of the country. Using your card is a safe and convenient way to pay for purchases while on vacation.  However, there are precautions that should be taken when traveling with plastic – for both debit and credit cards.


Call and let us know your travel plans. This can prevent our fraud monitoring systems from viewing your charges as suspicious and blocking further charges. Our computer programs that monitor your transactions can be tailored to fit your travel schedule. If our system spots unusual charges outside your normal spending profile – for example you live in San Francisco and you’re checking into a hotel in London– it might assume your card information has been stolen.


If we are not able to get in touch with you to verify charges, your card may be blocked until we can verify that it’s really you using the card. Remember, we will never ask for your credit card number or account number. You will be asked to verify ONLY the last four digits of your Social Security Number.


Here are a few phone numbers to take with you when you travel:

Pacific Service CU
(888) 858-6878 (925) 609-5288


After Hours
(866) 692-8669 – service center


(800) 543-5073 – report lost or stolen cards
(888) 241-2440 – declined transaction (using your PIN)

Outside US call collect (909) 941-1034
(800) 890-5097 – declined transaction (using signature)

Outside US call collect (727) 556-9000


Your pre-departure communication with us is also a good time to discuss any questions you may have regarding foreign transactions and provide us with the best way to reach you to verify spending.


By taking the time now to enable and protect your card, you can ensure that your travel plans will have no interruptions and you will receive all of the benefits your card has to offer.

May 1


by Nannette, Vice President, Technology Solutions Group

by Nannette, Vice President, Technology Solutions Group

The use of mobile devices like smartphones and tablets has become commonplace for today’s consumer.  These devices may store passwords, banking information, contact information and other sensitive data.  With this information at your fingertips, it is important to keep your device up-to-date with the most current versions of virus protection and system software to ensure that your personal information is protected from unintended use.  Here are some ways to protect your mobile devices.


Software Updates From time to time, service providers will discover vulnerabilities that could pose a threat to the security of the information stored on or accessed from a mobile device.  The issue may be with the software that runs the operating system or with specific apps that you have downloaded to your device.


When a deficiency or defect is discovered, the provider usually develops a patch or an update for the issue and sends a message or indicator to the device that an update is available.  Software updates for Apple users appear as a number in the upper right corner of the Settings App.  Similar notification alerts are used for Android and other providers.


We recommend that you download any updates as soon as possible after notification to ensure that your device is protected from vulnerabilities and risks.  In addition, you should only perform updates from a secure Wi-Fi network.  Do not use an open, unencrypted network like those found at public coffee bars, hotels and airports.   Updates may take a long time to load, so make sure you have a stable internet connection and that you have enough battery life to complete the update.


Here are additional ways to protect your mobile devices and personal information:


Secure Networks and Websites Do not perform sensitive transactions through open, unencrypted Wi-Fi networks and NEVER provide your log-in and password information unless the connection and the website are secure.  In addition, you can determine whether a website is secure by looking for https:// at the beginning of the web address.


Applications To access sites that require a user name and password, we recommend downloading an official app from the store to your device.  The two most common provider stores are the Apple App Store and Google Play for Android.  Experts recommend that consumers should not download apps from any location except the official store.


Best Practices Although it may seem like common sense, here are a few final tips to help protect your personal information using mobile devices or desktop systems.  Do not store website passwords or log-in information.  Be sure that you log out of the app or browser session after each use.  Do not click on links through text or email if they seem suspicious or are from an unknown user.  Do not connect to unknown Wi-Fi networks.  Do not store sensitive information in accessible applications like notes, calendars or email.  Be sure that you perform all updates, stay current with software releases and keep your firewall active.


If you suspect that your account has been compromised, call a member service representative at (888) 858-6878.

Apr 9


A new bug has infiltrated the internet. Heartbleed is a flaw in OpenSSL, the open-source encryption standard used by the majority of websites that need to transmit data users want to keep secure. It basically provides a secure connection when interacting with websites or sending email.


The bug opened the opportunity for hackers to access encrypted passwords, messages, and possibly other sensitive information.


The credit union has checked all of our online processing systems for this vulnerability and are pleased to report that we have NOT been impacted by the Heartbleed Bug. All of our online systems are secure and regularly tested to ensure they have NOT been breached or compromised.


Tips for protecting yourself:

Change your passwords for important sites – but, be sure to confirm with the service provider that they have not been compromised or that they have a fix in place BEFORE you change your password. Since we were not affected, you do NOT have to change your password for BranchLine or mobile banking, but you may do so if desired.


Keep a close eye on financial statements from all providers – because attackers may be able to access a server’s memory for credit card information, it is a good idea to watch for unfamiliar charges on your statements. You can view current PSCU transactions through BranchLine.


Check with other businesses that have your data – to make sure they are secure. While large companies know about the problem, smaller companies may not be aware, or as proactive as large companies to implement a fix.


Read more


For more information, please call a member service representative at (888) 858-6878.

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For website security purposes and to ensure that access to the Pacific Service Credit Union (PSCU) website remains available to all users, PSCU may enable the use of software programs to monitor and record network traffic to identify unauthorized attempts to upload or change information or otherwise cause damage. Unauthorized attempts to upload information or change information on this website and any other illegal activities are strictly prohibited, may be reported to law enforcement agencies and may be punishable under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.
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