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May 9, 2019
Phishing. Smishing. Vishing. No Matter the Name, It’s All About Hooking You
Like you, hackers love the convenience of digital communications—now, they have so many ways to get at you. Emails and messaging apps (phishing), text messages (smishing), and robo calls (vishing). Different tricks all with the same aim of getting victims to unwittingly give up confidential information.
You are notified about an important matter requiring your immediate attention and urged to act quickly. The message reports a suspicious login to your account; your password expired; or an invoice needs payment. The source looks real, like Microsoft or Nexflix, maybe even us.
Whatever format the message takes, they always want you to provide confidential information, such as passwords or account numbers. Emails will have a link that opens a legit-looking “spoof” page or have an attachment; robo calls and text messages will give you a number to call. Respond and surprise! Hackers have your data.
Tips to Spot the Tricks
First, make sure security updates are current on all your devices. Then:
- Grow Financial and most reputable businesses will never contact you and ask to provide confidential information. That’s a big red flag.
- Never open or download an attachment if it’s unexpected or comes from an unknown source. The attachment may contain malicious code or spyware.
- Look before you click. Run your cursor over any embedded links to see the full url and that it goes to the site you expect. Also check the address bar of any web pages you’re unsure of.
- Carefully go over every landing page you open from an email source. Look for graphics or wording that’s out of place. You’re better off closing out the page and going straight to the legitimate site instead.
- Secure websites always have “https” or a lock icon in the address bar.
- Check any numbers you’re given to call by again going to the legitimate site.
And If You Are Hooked…
It may not be immediately obvious, but if you think hackers have your data:
- Notify the legitimate business that your account may be compromised.
- Immediately change all of your user names and passwords.
- Check your account activity.
- Sign up for a credit monitoring service.
- Have your devices checked.
Finally, don’t rush to respond. Take it slow and be sure the message is from a legitimate source. Just a few minutes of caution can save you from the headache of a lifetime.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733
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