NCUA does not provide “refunds” and will typically not contact members directly.

There has recently been emails sent from an individual claiming to be the NCUA. In the email, they are stating that the recipient is eligible for a refund. NCUA does not handle tax refunds of any kind. Any communication of this kind should be reported to NCUA Phishing@ncua.gov and file a complaint with the FBI’s Internet Crime Complaint Center (IC3) at www.ic3.gov.

Belvoir Federal does not ask for credit card data to verify an online log in.

AUSTIN, Texas – Security experts are monitoring credit unions for a so-called “zeusbot” attack, which is bypassing many anti-virus and malware scanning software used by credit union members, putting their personal financial jeopardy when they log on to their home banking service. “All credit unions should provide a warning and information to their members,” according to a new alert issued by the CU Information Security Professionals Association. The zuesbot waits for the user to log in to their online banking, logs the credentials, and then offers a screen that asks the user to further verify their login by entering their credit card data. All information gathered is sent to the attackers. CUISPA noted that “while some users may be skeptical and not enter their data, the damage is already done. The online banking credentials have been compromised.” In cases where members report activity, CUISPA said credit unions’ only recourse is to have members shut down, wipe and reload their PC, while the CU changes account passwords. The association, which monitors such security threats, said it has identified “dozens of cases throughout the country.”

Source: Credit Union Journal Daily Briefing | Monday, January 11, 2010

Credit Card Accountability, Responsibility and Disclosure, or Credit CARD Act of 2009

The President recently signed into law the Credit CARD Act of 2009. The new law seeks to enhance consumer protections for credit card holders, but will not significantly impact your account with your Credit Union. This law improves consumer disclosures and protections. For a complete review of the major benefits of this new law, visit www.bankrate.com/finance/credit-cards If you have any questions about these changes or your Belvoir Federal Visa® Account, please contact us.

NCUA Insurance Notice

National Credit Union Association (NCUA) increases retirement insurance coverage. For more information, please click here for a Brochure.

Account Notice

When providing your account number to a company to make a payment or a deposit, please use your account number as it appears on your checks or as it appears on your statement. If you use your account number as it appears on your statements, you will need to indicate where the funds are coming from either savings or checking.

Update Current Mailing Address Notice

In order to help protect your account information, it is important to keep your contact information updated with Belvoir Federal Credit Union. To update your address, simply log on to Belvoir Online Banking (BOB), then select Change Your Contact Information under Other Options. You can also fax your signed change of address request to 703.730.1410.

Security Notice

For security and privacy purposes, we can no longer provide account balance information over the phone. Obtain your account information by using BelTel, Belvoir Online Banking (BOB), or at any Belvoir ATM.

VISA International Transactions

Belvoir Federal would like to remind our members that when a purchase is made in a foreign country, the transaction amount is converted to U.S. dollars and adjusted by a 1% currency conversion fee. When the transaction is posted to your account, the total amount (purchase amount plus conversion fee) appears as a single transaction on your billing statement. On April 2, 2005, the converted transaction amount started showing separately from the International Transaction Fee on your billing statement. This fee is assessed on all international purchases, credit vouchers, and cash disbursements and is labeled International Transaction Fee 1%.

On April 2, 2005, the exchange rate for transactions in foreign currency is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date, plus the 1% International Transaction Fee.

Our Spring 2005 Newsletter indicated this Visa Foreign ATM Transaction Fee. Effective immediately, we will be assessing the 1% fee for all foreign transactions done with DEBIT or ATM cards. We would like to reassure you that this is not a new fee simply a different way of processing it.

MasterCard Cross-border Fee Reminder

In April 2006, MasterCard implemented the separation of the Cross-Border and Currency Conversion Assessment fees on all international transactions. The Cross-Border fee of .80 of 1% of the transaction amount is assessed on all international purchases, credit vouchers, and cash disbursements and is labeled on your statement as the “MasterCard Cross-Border Fee.” This fee is assessed to all foreign transactions, regardless of whether they were originated in foreign currencies, or US currency. The Currency Conversion Assessment fee is a second fee, and is assessed on all international purchases, credit vouchers, and cash disbursements done in foreign currency. It also appears on your statement as a “MasterCard Cross-Border Fee.” The exchange rate for transactions in foreign currency is a rate selected by MasterCard from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate MasterCard itself receives, or the government mandated rate in effect for the applicable central processing date, plus the .20 (of 1% of the transaction amount) Currency Conversion Fee.

Belvoir Federal will be passing through the applicable fees for all foreign transactions that are processed by MasterCard or one of its network affiliates. We would like to reassure you that this is not a new fee simply a different way of processing. Please contact us.

Laptop containing personal information about Fort Belvoir MWR customers stolen (12/17/09)

A laptop computer containing names and personally identifiable information for slightly more than 42,000 Fort Belvoir Morale, Welfare and Recreation patrons was stolen from a Family and Morale, Welfare and Recreation Command employee Nov. 28, 2009. The Family and MWR Command operates numerous facilities on Fort Belvoir, including childcare centers, bowling centers, restaurants, outdoor recreation facilities, and golf courses. Soldiers, family members, Department of Defense employees and other authorized MWR patrons who used an MWR facility on Fort Belvoir since 2005 may be included in the data on the laptop.

Patrons who have used a Fort Belvoir MWR facility since 2005 but have not received official notification from the Family and MWR Command are encouraged to call 866-276-9697 from 7:30 a.m. to 5 p.m. (EST) weekdays to determine if they were included in the database, and learn how to guard against misuse of the information. For the official notice, please visit MWR’s website at http://www.armymwr.com/news/news.aspx?nid=188

NACHA Phishing Alert (10/12/09)

Random individuals and/or companies may have received a falsified e-mail with the subject title “Rejected ACH Transaction.” This e-mail appears to be from NACHA – The Electronic Payments Association telling them that there is a problem with an ACH transaction they have originated. The e-mail includes a link which redirects the individual to a fake web page which appears like the NACHA Web site and contains a link which is almost certainly executable virus with malware. If you have concerns about an e-mail you have received, please feel free to contact us through our regular means – 703.730.1800, contactcenter@belvoirfcu.org, or visit your local branch.

Phishing Scam (5/18/09)

There have been reports from our members of a phishing scam. Caller ID’s are capturing different numbers with each Phishing phone call, so the scammers are spoofing the caller ID. Please disregard this phone call. Remember that Belvoir Federal does not leave automated messages for our members. This phishing scam is an attempt to gather your personal information. If you have concerns about a phone call you have received, please feel free to contact us through our regular means – 703.730.1800, contactcenter@belvoirfcu.org, or visit your local branch.

Text Message/ Email Scam (5/12/09)

Calls have been received from members and non members stating that they had a text message asking for their card number and PIN information. They were asked to call XXX-XXX-6160. This number has been shut down as of May 12, 2009 at 11:38 AM. A non-member also reported that he received a text message from XXXXXX@messaging.sprintpcs.com asking him to call the same number as above to provide his account information. If you have concerns about a text message you have received, please feel free to contact us through our regular means – 703.730.1800, contactcenter@belvoirfcu.org, or visit your local branch.

Text Message Scam (5/7/09)

A non-member of this institution recently received a text message stating that his card had been deactivated and to call a number XXX-XXX-1662 to reactivate his card. As of May 7, 2009 at 11:00 AM, this phone number has been shut down. If you ever have concerns about a phone call or text message you have received from Belvoir Federal, please feel free to contact us through our regular means – 703.730.1800, contactcenter@belvoirfcu.org, or visit your local branch.

Foreclosure Rescue Scam (4/21/09)

The OTS (Office of Thrift Supervision) has issued a Foreclosure Resuce Scam on “How to Avoid Becoming a Victim.” Foreclosure rescue scams target homeowners facing foreclosure, particularly if they are equity-rich but cash-poor. Rescue scams cost consumers thousands of dollars and, often, their most valuable asset — their homes. In the following link, Common types of foreclosure rescue scams, how rescue scams work, facing foreclosure, rescue scammers (how they set the trap), and Foreclosure Service Scams are discussed in detail. Click here for more information.

A Message From The CEO Concerning The NCUA Takeover Of Corporate Credit Unions (3/23/09)

The National Credit Union Administration (NCUA) took action Friday, March 20, 2009 to place two large corporate credit unions, U.S. Central Federal Credit Union and Western Corporate Credit Union into conservatorship. Corporate credit unions serve primarily smaller credit unions and not individual consumers. Click to read more.

National Processor Breach Affects Belvoir Federal Members (2/28/09)

Heartland Payment Systems, a Princeton, N.J.-based merchant processor which handles more than one million transactions a day for 250,000 small-to-mid-size national merchants was the victim of a security breach within its processing system in 2008. Heartland believes the intrusion is contained. Heartland is managing updates for the incident at www.2008breach.com.”:http://2008breach.com Apparently, a hacker successfully infiltrated the Heartland system during a May-November, 2008 window and captured the account information of nearly 500,000 accounts nationally. Top states where fraudulent debit or credit card activity has been confirmed include Florida, California, Texas, Missouri, Michigan, and Illinois. Belvoir Federal has contacted members whose accounts were included in the breach. For additional information, or to update contact information with the credit union, please call the Contact Center at 703.730.1800 or 1.888.503.2328 or E-mail us.

Recent Telephone Scam (10/8/08)

We have had several reports of a new phone scam directed to our members. Members are receiving a phone call and being told that their debit card was frozen and they need to give their account number to reactivate their card. They were asked to call the following number 212-581-2616. As of 1:31pm on October 8, 2008, this phone number was shut down. If you have responded to a similar telephone call and provided any confidential account information, please notify us immediately. We will help you determine the best way to protect your information and the funds in your account. The only automated message you may receive from us would be in response to our fraud monitoring system. If you ever have concerns about a phone call you receive from Belvoir Federal, please contact us. If you are ever concerned about a phone call, e-mail, or other notification from us, please feel free to contact us through regular means – 703.730.1800, contactcenter@belvoirfcu.org”:mailto:ContactCenter@belvoirfcu.org, or visit your local branch. For more information on phishing or other topics about using the Internet, please visit the Federal Trade Commission’s website.

Recent Vishing Scam (7/28/08)

There have been several reports of a new phone scam directed to our members. The scammers are spoofing the caller ID to make it look like the calls are legitimate. They are being told that their accounts have been frozen and in order to reactivate their account they must call an 877 phone number. Belvoir Federal Credit Union does not have an automated message asking you to contact us to re-activate your account. The only automated message you may receive from us would be in response to our fraud monitoring system.

Email Scam (5/28/2008)

From: Belvoir Federal Credit Union [mailto:notice@belvoirfcu.org] Sent: Wed 5/28/2008 1:35 PM Subject: Notification FTBFCU

Dear Customer, All Belvoir Federal Credit Union accounts were recently update with a new security enhancement. For your security, we have temporary suspended your account. To activate your account please call urgent at 503-339-0042. Please note 503-339-0042. Toll Free: 1-503-339-0042. ©2008 Belvoir Federal Credit Union. All rights reserved.

Fraud Alert: Text Message Scam (2/19/2008)

Belvoir Federal would like our Members to be aware of a scam that involves unsolicited text messages sent to cell phones. The message urges you to call the provided number for information about your account. Belvoir Federal would like to assure our members that we do not ask for personal information via text messages. If you have responded to a text message in regards to your Belvoir Federal account, please contact us at 703.730.1800.

Consumer Alert: Increase in Fraudulent e-mails

Belvoir Federal Credit Union has confirmed that a small number of people were recently phished. “Phishing” is when a criminal replicates a legitimate web site to deceive individuals into providing personal financial, or other confidential information. An unknown number of people recently received an email that appeared to be sent from Belvoir Federal Credit Union. We currently working to shut down the phishing site, and determining the extent to which our clients may have been affected. Due to this attempts we have had to temporary suspend any future authorizations being conducted with your Credit Card. Please call us immediately at 1-970-368-4552. We will review the activity on your account with you and upon verification, we will remove any restrictions placed on your account. Please disregard this notice if you already re-activate your card. Belvoir Federal Credit Union cares about you and we want to ensure the highest level of protection for you.

Sincerely, Belvoir Federal Credit Union Fraud Department You can contact us by phone, U.S. mail, or email. We look forward to hearing from you. By phone: 1-970-368-4552 or contact Customer Care at 1-970-368-4552. By U.S. mail: Belvoir Federal Credit Union 14040 Central Loop Woodbridge, VA 22193. If you do not have an account with us, please ignore this message as it has reached your email address by mistake. We are sorry for any inconvenience this may caused.

Phishing Notice

Belvoir Federal would like to assure you that Belvoir Federal Credit Union does not ask for personal information (Social Security Number, PIN, ATM, or CheckCard numbers) Online. We also have no Online way to re-activate BOB (Belvoir Online Banking) using your CheckCard information if your account has been locked.

If you have responded to a similar email/phone call and provided any confidential account information, please notify us immediately. We will help you determine the best way to protect your information and the funds in your account.

Risk Alert – Phishing, Smishing, and Vishing: What is the Difference?

Please note our main phone numbers:

Local	703.730.1800
Metro Washington, DC	703.551.0001
Toll-Free (outside 703 and 202 area codes)	1.888.503.(BFCU) or 2328
24-hour Visa® Credit Card Account Information	1.800.299.9842
24-hour Visa® Credit Card Lost/Stolen	1.866.604.0381
24-hour Visa® Debit Card Lost/Stolen/Activation	1.800.543.5073
Signature-based CheckCard Transactions	1.800.5097
PIN-based CheckCard Transactions	1.866.750.9107
Credit Card Transactions	1.800.437.9392