Fraud Protection

There is no typical fraud victim in Canada. It can happen to anyone.

The risk of becoming a fraud victim is not linked to your age, race, income or geographic location. Scammers don't care about any of that - they just want your money.

These are professional criminals. They know what they're doing and, unfortunately for their victims, they do it well.

If a scam artist conacts you or if you've been defrauded, call The Canadian Anti-Fraud Centre at 1-888-495-8501.

Below are some tips to help you protect yourself from fraud.

Online Tips

  • Update virus protection software periodically and after every new virus alert is announced.
  • Don't download files or open hyperlinks sent from people you don't know.
  • Use a firewall program to prevent your computer from being accessible to hackers.
  • Use a secure browser to guard the security of your online transactions.
  • Enter personal and financial information only when there is a "lock" icon on the browser's status bar and look for the URL to read "https" versus "http".
  • Before disposing of a computer, delete personal information using a "wipe" utility program to overwrite the entire hard drive.
  • Never respond to "phishing" emails.
  • When logging in to "Online Banking" or "Online Shopping" sites always type the address of the site into your browser.
  • If you must store sensitive information on your laptop use a strong password - one that is a "hard to guess" combination of upper and lower case letters and numbers.
  • Don't us an automatic login feature.
  • Always log off when your finished.

Travel Tips

  • Advise your card issuer of any travel plans. Your accounts are monitored based upon your normal spending patterns. Anything out of the ordinary may be considered suspicious.
  • Have a backup means of cash in case your card is lost or stolen.
  • Be familiar with your surroundings and be cautious of suspicious individuals.

General Tips

  • Sign the back of your plastic or write in the panel "check ID".
  • Memorize your PIN number and do not store the number in your wallet or write the number on the card. Re-pin options are available at all branches.
  • Keep an eye on your card every time you use it. Try and not let it leave your eyesight.
  • Hold on to all receipts for card purchases at least for 1-2 statement cycles.
  • Monitor your statement regularly and notify the Credit Union if you see any unauthorized charges.
  • Contact us immediately if your card is lost or stolen or you suspect fraudulent activity.
  • Do not lend your card to someone to make a purchase for you.
  • Keep your purse or wallet safe at all times.
  • Do not have your Social Insurance number or Drivers License number printed on your cheques.
  • Be aware of your surroundings, especially at ATM's, where your PIN information is used.
  • Carry only those cards you really need.
  • Never respond to phone calls or text messages where your account information is being asked for.
  • Shred all statements and pre approved credit card offers with a crosscut shredder.
  • Have a "vacation hold" put on your mail if you will not be there to receive it.
  • Never sign a blank cheque. Carefully draw a line through any blank portions of the cheque where additional charges may be fraudulently added or changed.
  • Remove mail from your mailbox promptly.
  • Complete a change of address immediately when moving.
  • Know your billing cycles and if you don't receive a statement contact your financial institution.
  • Do not give out your checking account information unless you know the company requesting the information and understand why the information is necessary.
  • Check your credit reports annually, report any inaccurate information.

Learn More

To take further action or learn more about different types of fraud and how you can protect yourself and your loved ones from them, please visit the following websites:

PhoneBusters is a national anti-fraud call centre jointly operated by the Ontario Provincial Police and the Royal Canadian Mounted Police. It is the central agency in Canada that collects information on telemarketing, advanced fee fraud letters ( Nigerian letters) and identity theft complaints.

For examples of common types of scams, visit or call toll free 1-888-495-8501.

Diebold is a world leader in self service and security industry. This website provides advice for the safe and secure use of automated teller machines (ATM). 

Visit   or email


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