Sunday, February 18, 2018

Community Banking That's All About You!

Security Center


For security purposes, anyone entering our building will be asked to remove hats, hoods, headgear and/or sunglasses. Thank you for helping to make your credit union safer!



→PHONE SCAM – Updated 03/28/17
FCC Warns Consumers on ‘Can You Hear Me’ Phone Scam:  The FCC today is warning consumers about a scam that aims to trick people into saying “yes” during a recorded phone call.   The scammer asks the target “Can you hear me?” and when the victim says “Yes” that response is recorded and can be used later to authorize unwanted charges on credit card or utility accounts, the FCC said in a consumer alert today. The FCC has received dozens of complaints about the scams, a spokesperson said.  In some instances, the fraudulent callers pretend to be from an organization that might be familiar to the person receiving the call, such as a mortgage lender, the FCC said.  The alert encourages consumers not to answer calls from unknown numbers and let them go to voicemail instead.

→TEXT MESSAGE SCAM – Updated 05/06/16
Recently, several of our members received a text message from local credit unions alerting them that their is an issue with their account.  The text wants you to click on a link to confirm your personal information.  Please be advised that this is a scam and was not initiated by local area credit unions.  Do not reply to the link or provide any personal information.  Delete this text message immediately.

REMINDER:  IRCO will never send a text or email asking for this type of information.

If you have any questions, please contact us at 908-859-1811.

The National Credit Union Administration is alerting consumers that texts they receive from an agency telephone line, 703-518-6301, asking for personal information are not coming from NCUA, as they do not request personal or financial information from consumers.

This attempted fraud scam is called “spoofing.” The perpetrators are able to mimic a telephone number to generate text messages. The texts may warn of a debit card reaching its limit or use some other trick to persuade individuals to provide personal information or go to a malicious website. Consumers should not click on links in the message, provide information to any websites referenced in the message nor attempt to conduct any financial transactions through those websites.  More than 40 consumers around the country received text messages yesterday.

If you’ve received one of these texts, contact NCUA’s Consumer Assistance Center Hotline at 800-755-1030. NCUA also offers information about avoiding frauds and scams at

If you suspect you may have become a victim of identity theft, contact us immediately and, if necessary, close existing accounts and open new ones. When identity theft occurs, NCUA urges consumers to contact the three major credit bureaus—Equifax (800-525-6285), Experian (888-397-3742) and TransUnion (800-680-7289)—to request a fraud alert be placed on their credit reports.


REMINDER:  IRCO will never send a text or email asking for this type of information.

If you have any questions, please contact us at 908-859-1811.

No credit union association, federal regulator, or state league will send you a message via e-mail asking for your identification numbers.

  • DO NOT: use the link in these messages, simply delete the message.
  • CONTACT US: immediately if you have any questions.

For more information visit the following websites:

We also have two brochures that may help to explain how to protect yourself against new and existing threats that are present on the internet and the measures that have been implemented to protect your personal identity.

E-mail and Internet Fraud 
Account Authentication and Online Banking