Security Center

Your security is our priority

Your personal and financial information is private for a reason, and we want to help it stay that way. At Jovia, we understand just how important knowledge is when it comes to defending yourself from common frauds, scams, and schemes.

We’re here to help shield you from these threats by staying up-to-date on the latest scams and sharing them with you, providing you with the available tools and resources to help put a stop to them, and give you guidance on what to do if you suspect you or someone you know has been a victim.

News and Alerts

Important Scam Alert:

We've noticed an uptick in fraudsters posing as credit unions, banks, and other financial institutions. These scammers are sending text messages regarding unauthorized transactions that contain a link. If you receive a suspicious, unsolicited, message containing a link, do not click the link or respond and delete the message.

Remember, that if anyone reaches out to you unsolicited and asks you to provide personal and financial information that will help them gain access to your accounts, like online and mobile banking passwords and/or two-factor authentication codes, PINs, or account numbers, it is likely a scammer. Do not respond or click on the links; instead, reach out to your financial institution or the business directly.


All Jovia text messages will come from a short code 37268, not a random email or phone number.

How you can protect yourself and your finances from fraudsters

Knowing how to protect your information can prevent it from getting into the wrong hands. Monitoring your account activity regularly and being aware of the latest scams can be key and greatly reduce your risk of falling victim to fraud and identity theft.

Here are some great general tips to keep in mind

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Account information

Never share your account information, like usernames, passwords, PIN, authentication codes, or Social Security numbers, when someone reaches out via email, text, or phone call.

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Unknown sources

Do not click on links or download documents from unknown sources. If you receive a link, carefully review the source.

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Passwords

Practice good password habits; avoid using one password across multiple accounts, use special characters and numbers when creating one, and use multi-factor authentication when available.

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ATMs

When making a purchase or withdrawing money from an ATM, look for skimmers. Signs of tampering such as damage, odd marks on the card reader, broken security tape, or wiggly card slots or key pads may indicate that a card skimmer has been placed there.

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Encrypted sites

Encrypted sites are the safest. This means the site will have https:// at the beginning of the domain. Look for the "s" after http this will let you know the site is encrypted. These sites are generally safer.

Common scams

An imposter scam is when a scammer impersonates a person or organization that you trust to convince you to send them money. Here are some examples of imposter scams and what a scammer may say via phone call, text, or email to get information out of you.

- They are from a government organization, and you owe money to the IRS or another government agency.

- That you have won a prize and have to pay fees in order to claim it.

- A family/friend is in danger, and you need to send money to help.

There are a few ways a fraudster may get a hold of your card information. Some examples of credit/debit card fraud are:

- A scammer steals your physical card and uses it for transactions, or they get a hold of your credit card information from the dark web and use it to make transactions.

- Inserts a skimmer in an ATM to get your card information. Before swiping or inserting your card, make sure to look out for tampering with a machine, glue, or tape on any part of the ATM, or a wiggly card slot and loose fitting attachment.

- A scammer tricks you through a phishing scheme.

Sometimes, you may not even know you've been a victim of credit card fraud until you pull your credit report. That’s why it’s important to check your account and credit score frequently in online and mobile banking.

Learn More

Phishing scams are when scammers send an email or text message impersonating a person or business that you trust. Vishing scams are similar to phishing scams, but scammers will impersonate a business that you trust by telephone. They can do this by spoofing the business or organization's phone number. To get your personal and private information, the scammer may ask you to "verify a transaction" or say there has been "activity" on your account.

Jovia will never send a text message with a link.

If you receive a call, text, or email asking you to provide or confirm personal information, such as account information, PIN, online credentials, or verification codes, do not respond. Instead, contact the business or person directly.

Check scams are on the rise because scammers have done a good job of making fake checks look real. Scammers will encourage a victim to deposit a fake check into their account. The scammer will then ask the victim to send or wire the funds back for a portion or the whole amount of the check before the bank clears it. If the check is not cleared and is determined to be counterfeit, you may be held responsible by the financial institution.

Another form of a check scam is check washing; learn more about how check washing scams happen below.

Learn more

Identity theft occurs when a criminal gets your information and impersonates you. They will use your name and information to open new accounts, take out loans, withdraw money, and more. Unfortunately, many people aren’t aware they’ve been a victim of identity theft until it’s too late. That’s why it’s essential to know the signs of identity theft and to keep an eye on your accounts and credit reports. Types of identity theft include:

- Account takeover fraud is when someone gains access to your account(s) and uses it to make fraudulent transactions, transfer money, or get into other accounts.

- Social Security number identity theft is when a fraudster gets ahold of your social security number and uses it to open fraudulent accounts.

- Mail identity theft is when a scammer steals your mail in order to get your personal information, like medical records, financial account information, and tax information. If you feel you have been a victim of mail theft or tampering, you can report it to the U.S. Postal Inspection Service.

- Drivers license identity theft occurs when your driver's license number ends up in the wrong hands. They could steal this and use it to avoid citations which could end up on your driving record.

Learn More

Always remember, that Jovia will never reach out via phone call, text, or email and ask you to provide your private information such as account, PIN, and social security numbers, access and verification codes, or security questions.

Security Center

How Jovia is here to help protect you

At Jovia, we’re committed to providing you with a confident and comfortable banking experience – and we know that comes with feeling secure. Rest assured, we’re here to help you learn to protect your private information and equip you with the tools to stay alert and protect your accounts.

With contactless cards, transactions are easier, faster, and more secure. Each contactless transaction has a unique, encrypted one-time code that securely protects your payment information.

Reach out to get a contactless card

When enrolling in online and mobile banking, we will ask whether you would like to set up multi-factor authentication. This provides your accounts with an additional layer of security, by asking you to provide an access code before getting into your accounts. Remember, to never share these access codes with anyone. Learn how to set up multi-factor authentication.

Once you’ve signed into your account, you will notice that you will be signed out after a few minutes of no activity.

Know what actions are occurring in your accounts, without having to sign in or step into a branch. Set up alerts from transactions on your account that you can receive via text, email, and push notifications that can help flag for suspicious or unusual account activity.

Set up account alerts

(If you have text alerts enabled, these text alerts will always be from the 5-digit number: 37268)

Allows you to easily set spending limits and block certain types of merchants and transactions. Through online and mobile banking, you can set your preferences. And, you can lock or unlock your card at any time if you lose your card or think your card information has fallen into the wrong hands.

Learn more

Checking your credit score is important to keep your credit healthy – but it can also show if there has been any suspicious activity. Check your credit score with ease in online and mobile banking. Learn how to check your credit score here.

Credit Monitoring

Protection is the best prevention.

Did you know that many don’t know they’ve been a victim of identity theft until it’s too late? We have partnered with IdentityIQ to offer our members credit monitoring services to help combat fraud before it happens. IdentityIQ works with the major credit bureaus to monitor your credit and alert you of suspicious activity on your accounts. So you can stay on top of your credit!

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Introducing Cyganix

Jovia stands strong against cyber threats.

The world of cyber security is ever-changing, and Jovia knows how crucial it is to protect our systems, infrastructure, and our member’s information. That’s why we created Cyganix, our team of cyber security experts. Our mission is simple: To foster a culture of cybersecurity confidence within our community, where continuous learning, approachability, and transparency fuel our reliable and adaptable response to emerging threats. You can rest easy, knowing your money is safe with us.

Report Something Suspicious

Below is a list of organizations you should report suspicious activity to

Scams, unwanted calls,
or bad business practices

Federal Trade Commission (FTC)

Fraudulent checks
and money orders

Internet Crime Complaint Center

Advice

Articles

Knowledge is power when it comes to protecting your personal and private information. Check out these articles that highlight the latest scams and schemes and how to protect your information.

Learn all about security and cyber security at our events

Cyganix Branch Pop Up

Jovia's Chief Information Security Officer, Dr. Daniel Ford, and Assistant Vice President of IT Security, Allison De Lauzon will be hosting a cyber security in-branch pop-up event. We invite you to come learn how to enhance your banking security and navigate the evolving digital landscape with confidence!

Wed April 24, 2024, 2:30 PM-5:00 PM
Jovia Financial Credit Union 264 E Merrick Rd Valley Stream, NY 11582

Cyganix Cybersecurity Conference

Calling all cybersecurity enthusiasts! Join us at our conference on June 26th. Whether you're a student, professional, or simply curious about cybersecurity, this event is for you! Register now to immerse yourself in engaging workshops, expert speaker sessions, networking opportunities, hands-on learning, career insights, and fun activities.

Wed June 26, 2024, 9:00 AM-4:00 PM
The Space at Westbury 250 Post Ave, Westbury, NY 11590

FREQUENTLY ASKED QUESTIONS

If your Visa® Credit Card was stolen, or you just misplaced it and need a new one, you will need to call us at (800) 252-1164 to report the card lost or stolen. Once your card has been reported as lost or stolen, a new card will be mailed to you within 7-10 days.

We're sorry to hear that you believe you are a victim of credit fraud. The first thing you'll want to do is contact one of the three nationwide credit reporting companies to file a fraud alert; these three companies are Equifax, Experian and/or TransUnion.

Once you contact one of the three credit reporting agencies you'll have several option to create an initial fraud alert, extended alert or a security freeze

To view contact information for the credit bureaus and to learn more about securing your credit, visit the Consumer Financial Protection Bureau.

The process for reporting fraud is dependent on the type of transaction within your account. Please refer to the following to determine which report is required for you to complete.

Credit Cards: If you are reporting fraudulent transactions involving your credit card, please call us at (800) 252-1164.

Debit Cards: If you are reporting fraudulent transactions involving your debit card, please complete the Visa® Fraud Form.

Check Fraud: If you are reporting a transaction involving a fraudulent check, please complete the Fraudulent Check Form.

ACH (Electronic Payment) Fraud: If you are reporting a transaction that was taken from your account electronically, please use the Unauthorized Withdrawal Form.

Zelle Fraud: If you are reporting fraudulent transactions involving Zelle, please contact us immediately at (516) 561-0030.

Bill Pay Fraud: If you are reporting a transaction that was taken from your account through Jovia Bill Pay, please contact us immediately at (516) 561-0030.

Our Privacy Policy

At Jovia, we want you to feel secure when you bank with us. That’s why we want to be transparent about the way we use your personal information and data. To learn more about how and what data we use, our privacy policy can be found here.

Social Media

Jovia Financial Credit Union’s official social media accounts


Instagram - @joviafinancial

Twitter – @joviafinancial

Facebook – @joviafinancialcreditunion

Tik Tok – @joviafinancial

LinkedIn - @joviafinancialcreditunion

YouTube – @joviafinancialcreditunion


Review each social media's Privacy Policy, Terms of Use, and Security Policy.