2022 Annual Meeting Notice
Scam Alert - Fraudulent Texts & Calls
Attention Shell Members!
We have received multiple reports of fraudulent text messages and calls to members claiming to be from Shell’s debit card fraud department. They attempt to confirm a transaction that never actually happens, then request personal information. Use extreme caution, and feel free to hang up and call us at (713) 844-1100.
While we do reach out via SMS to confirm fraudulent charges on your Shell FCU debit and credit cards, the text messages are coming from a different number and have a completely different format than what we use. True text message alerts from Shell will come from 91937. Our text alerts also request that you call (888) 918-7313, while the fraudulent ones claim that you will be receiving a call from Shell FCU. As always, if you aren’t sure, call our main number and we would be happy to help.
Thank you for the opportunity to serve you!
Remote Access Scam Alert
Would you let a stranger drive your car? Let a random person off the street into your house? Probably not, right? Make sure you apply the same thinking to your computer. We have seen an increase of members reporting remote access scams (also known as technical support scam), and the victims have lost tens of thousands of dollars. You probably know what "remote access" is, but for those who don't, it's a feature of Windows that enables someone in another location to access your PC via the Internet.
The scam is simple and can occur in a variety of ways ..
NEVER give someone remote access to your computer. If someone calls claiming to be a representative from a company, hang up on them and call the company’s main phone number.
No one ever needs that kind of access to your personal information. Just like you wouldn’t give your car keys to a stranger who knocked on your door, don’t let these people take your computer for a ride.
Contactless and EMV Payment Security
Contactless and EMV (“chip”) technologies are a giant leap ahead in card security compared to the magnetic stripe. Unlike magnetic strips, they use a cryptographic technology that turns your transaction and card information into a secure code that is only used once. Even if that code was captured, it would have to be decrypted and is only good for the single transaction for which it was generated.
Though contactless cards have the potential to be scanned by a fraudster using a non-contact reader, your name, three-digit security code, PIN, and other information would not be available to them. Contactless payment methods currently also have one of the lowest fraud rates of any type of card transaction.
Visa's Zero Liability Policy guarantees that you won't be held responsible for unauthorized charges made with your debit card. You're protected if your Visa debit card is lost, stolen or fraudulently used, online or offline. If you experience unauthorized transactions, notify Shell FCU immediately. For specific restrictions, limitations, investigative and other details, please ask a Shell FCU representative.
Along with this added security, there are multiple layers of fraud prevention built into the debit card system, from the card itself, to the terminal it is inserted in, to the processing network the transaction is sent through. Using real-time analytics and artificial intelligence, your transactions are monitored and stopped instantly if the system detects anomalous payments.
Rest assured, you are protected every step of the way. Thank you for the opportunity to serve you!
Shell FCU Contactless Payments Video - https://youtu.be/AfMOfglpjmM
Scam Alert - Online Banking Credentials
We have received multiple reports of members receiving a text message and subsequent call that appear to come from our main number, 713-844-1100, with callers claiming that they are employees who are trying to verify activity on the account. The caller eventually claims to need the member’s username and password for online banking. Once inside online banking they start transferring funds out of the account.
Shell FCU will NEVER request your User ID, Password, or any one-time-PINs needed to log in to online banking. This information is personal to you and we urge you to NEVER share that information with anyone. If you are unsure of the identity of the person on the phone, hang up and call us back at our main number, 713-844-1100. Thank you for the opportunity to serve you!