Download The App

Available for Apple or Android mobile devices.

No Thanks
skip side callouts

Confirm Navigation

This link will open up a new window and load the following page from an external website:

By clicking Continue you will be redirected from PCM Credit Union’s website to an externally-hosted website that is not controlled or affiliated with the credit union. PCM Credit Union is not responsible for the content or availability of linked third-party websites. Please be aware that the internal privacy and/or security controls of linked third-party websites may differ from those practiced by PCM Credit Union. Please be further advised that in the event a transaction takes place between you and the third-party host of the linked website, that PCM Credit Union does not represent the interests of either party in any such transaction.

Fraud News

PCMCU wants to keep you in the know about what’s trending in fraud. We have an update for you.

Every day there is another fraudster with a new scheme! With education and awareness – we don’t have to be victims of fraud. We are confident that information in PCM Fraud News can teach you what situations should raise a red flag. We encourage you to monitor your accounts and statements via Virtual Branch and Mobility.

NEW Feb. 21, 2019

Our debit card processor has informed us of a fraud trend that is occurring at financial institutions around the country, which is also impacting some of our cardholders.

On the weekend of February 15th, there was an attack on a number of financial institution’s BIN numbers, including ours, which affected many of our debit card holders. What is a BIN number? A financial institutions’ Bank Identification Number is the first 4-6 digits that appear on a debit or credit card, which uniquely identify that institution. During a BIN attack, fraudsters try to generate a valid 16-digit card number (starting with the BIN) along with a matching expiration date and CVC code. The fraudsters have a computer program that randomly generates these numbers and then attempts a low dollar authorization (or a zero-dollar amount) to try to find a valid card number. If they are able to match a valid card number with the correct expiration date and CVC code, they could then potentially go on to make larger dollar amount purchases with that card. PCMCU did NOT have any valid matches or authorized transactions, so all attempts were declined.

Because this is not a card compromise where the fraudsters have complete card and card holder information, we are not requiring our affected members to get a new debit card number. If you were contacted by our fraud department and you confirmed that the zero-dollar authorization for BareMinerals (a cosmetic company based out of New Jersey) was fraud and your card was shut off, we have now reactivated your card. Because there was a large number of members affected by this attack, there may be situations where a card may still be restricted. If you attempt to use your card and experience a denial, please contact us to check the status of your card. If you have already destroyed your card or you would like to close your current card and be issued a new card number, please contact us to do so.

Please rest assured that PCMCU was not breached nor did we have a card compromise.  This was a random BIN attack that affected numerous financial institutions and since all transactions were declined, the fraudsters have no way of knowing if the card number is even valid.

To help monitor your PCM card activity, we urge you to download Card Valet from the app store if you haven’t already done so, as this product will notify you of all card activity and give you the ability to turn your debit and credit cards off and on with the touch of a button.

Please be patient with us as we are working diligently to address every concern. We are People Caring More. Thank you for choosing PCMCU.



skip sidebar
skip programs