How Should You Respond to the Target Security Breach?

Retail giant Target notified customers today of “unauthorized access to Target payment card data” that “may impact guests who made credit or debit card purchases in our U.S; stores from Nov. 27 to Dec. 15, 2013.” News reports say this security breach may have affected as many as 40 million people. How should ECCU members respond?

“We understand that learning your account information may have been compromised can be alarming,” says Susan Rushing, ECCU vice president of banking and payment systems. “If a data breach affecting a member’s accounts occurs, ECCU receives information from many outside sources, such as Visa or law enforcement agencies. Because this information is sensitive, specific details are not released to ECCU. We are unable to provide the name of the merchant or where the data breach occurred.”

Rushing offered these insights on how the credit union responds if a member’s card is compromised:

  • ECCU may proactively close the card and issue a new one to help protect the account.
  • Card compromise does not mean fraud will occur on the account or that the member will become a victim of identity theft.
  • If you notice any fraudulent charges to your account, contact ECCU immediately by calling 800.634.3228.

She also recommends taking these steps to protect your information:

  • Always know where your card is. If you misplace it, contact ECCU immediately so we can block the card from use.
  • Monitor your account activity regularly to help detect if you’ve been a victim of fraud. ECCU’s Online Banking allows you to access your account at any time.
  • For added protection, set up Online Banking Alerts, which notify you about important activity in your accounts. This feature can help identify fraud quickly.
  • Sign up for electronic statements to help reduce your risk of mail fraud.
  • If you do receive your statements in the mail, review them as soon as possible after they are delivered and immediately report any fraudulent transactions.

If you further questions, call Member Services at 800.634.3228 Monday through Friday from 6:30 a.m. to 4:30 p.m. (PT).

Follow this link to see the complete Target customer notification.