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Fraud Alert

A is person seated in a very clean room at a computer which sits on a wooden desk or table. The person is typing in credit card information with one hand and holding a credit card with the other. Only the hands, arms, and part of the torso of the typist are in the frame, with the hands in focus and the background heavily blurred.

Mobile Wallet Scams


First Community cardholders are receiving phone calls from someone claiming to be from the credit union. The caller wants the cardholder to verify recent card activity and update their PIN. Cardholders are asked to provide their current PIN and are told they will be sent an email and will need to provide the PIN or passcode from the email to the caller. Once the caller receives the PIN, they are able to add the member’s debit or credit card to a mobile wallet, such as Apple Pay, and make purchases.

First Community’s fraud department will never ask a cardholder for any of the following information when confirming a suspicious card transaction. Cardholders should never provide their PIN or a one-time passcode to anyone.

  • Four-digit debit card PIN
  • Full social security number
  • Full card number
  • Instruct cardholder to retrieve a PIN or one-time passcode sent in an email or text.

COVID-19 Scams


The FBI recently posted a warning about criminals exploiting the COVID-19 pandemic to fuel their money mule schemes. There’s no better time for them to act, as uncertain times might push even the most cautious person into their trap.

Work from home jobs or new-found love interest
The money mule business is old news, and criminals will always need a scapegoat to help transfer illegally obtained money between bank accounts. Seasoned cybercriminals are very good actors, and often use social engineering techniques to groom victims to open new bank accounts or use existing ones to send and receive money. Most money mules participate unknowingly in money laundering. How do bad actors recruit their victims? Most cases involve romance scams, remote job listings or easy-money advertisements posted on social media.

However, other scenarios linked to this illegal scheme have been found. This time it’s all about taking advantage of your charitable spirit and empathy. Individuals claiming to be U.S. citizens or service workers stationed abroad might contact you via email, social media messages or even phone. They will ask you to send or receive money on their behalf or a family member that has contacted coronavirus and is currently ill. Even individuals who claim to be part of a charitable organization may ask you to help transfer donations on their behalf. If you are in search of new job, you should be aware that the promise of a paycheck for little or no effort is always a bad sign. Here are the telltale signs of untrustworthy online jobs that should make you think twice before applying:

  • Recruiters or employers use web-based services such as Gmail, Yahoo, Hotmail or Outlook to communicate with you
  • To proceed with the ‘hiring’, you are asked to open bank accounts in your name or for the so-called business
  • The employer will ask you to transfer the funds you receive to a Bitcoin account or via wire transfer, mail, Western Union and Money Gram
  • You are allowed to keep a percentage of the money you help transfer

The Coronavirus pandemic has provided new ways for scammers to capitalize on the Internet users, and the recent FBI announcement should serve as a reminder of the various swindles you might face in the digital world. Easy money might cost you or your loved ones dearly. You’re not only endangering yourself financially by revealing your personal identifiable information, but you may also face severe legal consequences for unwittingly assisting the criminals.