Redstone Federal Credit Union

r e d f c u.o r g | 7 Cybercrime Is on the Rise Cybercriminals are busier than ever, finding new ways to trick people on the web and costing victims billions of dollars. Last year, 4,108 people in Alabama lost more than $20.5 million to cyberscams, according to the FBI's 2019 annual report on internet crime. If you fall for a cyberscam, or even think you may have been duped, the FBI's Internet Crime Complaint Center (IC3) can help. Go to www.ic3.gov and fill out a complaint form. e top three crime types with the highest reported losses were Business Email Compromise, Confidence/Romance Fraud, and Spoofing. Get the facts and protect yourself! Business Email Compromise is a scam targeting businesses working with foreign suppliers and/ or businesses regularly performing wire transfer payments. It is a sophisticated scam where email accounts are compromised through social engineering or computer intrusion techniques to steal money. Confidence/Romance Fraud happens when victims are deceived into believing they are in a romantic relationship or when they believe a family member is in trouble. e victim is then persuaded to send money, personal and financial information, or items of value to the scammer. Spoofing occurs when contact information, like a phone number, email, or website, is deliberately falsified to mislead and appears to be from a legitimate source. For example: spoofed phone numbers making mass robocalls, spoofed emails sending mass spam, and forged websites used to mislead and gather personal information. Spoofing is often used in connection with other crime types. 1 Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. 2 Must have a bank account in the U.S. to use Zelle. Zelle transfers may be sent from RFCU checking accounts or share savings accounts only. Must be an RFCU member to open a checking account. Must have an online banking username and PIN/password to access online banking and mobile banking. Standard wireless carrier text message and/or data rates and fees may apply. Please check with your carrier for more information. Other restrictions may apply. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Under applicable laws, rules, and regulations, RFCU has certain obligations concerning electronic fund transfers. Beyond such obligations that normally apply to an electronic fund transfer, RFCU does not warrant, guarantee, or insure any transaction made with Zelle or any product or service made by Early Warning Services, LLC. RFCU and Early Warning Services, LLC, the owner and operator of Zelle, are separate entities. OCTOBER IS CYBERSECURITY A W A R E N E S S M O N T H Send Money Safely with Sending money for Christmas? Redstone has now made it easier than ever. Redstone has partnered with Zelle so that you can send money to family and friends right from your Redstone account. It's free and fast too! There are no long waits. Money is sent from account to account with no stops in between and typically gets there in minutes. 1 Send money to almost anyone with a bank account in the U.S. using their email address or mobile number, even if they aren't Redstone members. 2 Be certain to check the recipient's mobile number or email address so that it gets to the right person. Zelle lets you split the cost of a check, request money for a group gift, or pay the babysitter. Enroll today through Redstone's online banking or mobile app. Inside online banking, select "Send Money with Zelle" from the Transfers menu and follow the prompts to enroll. To access Zelle inside the mobile app, select the "More" tab, tap "Send Money with Zelle," and follow the prompts.

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