Fraud Prevention

State offers cybersecurity assistance

The State of Montana has created a website offering assistance and resources on cybersecurity for the business sector, and private sector.  Click here, to better understand cybersecurity and how you can protect yourself and your business against cyber attacks.


Montana businesses need to be on the lookout for "spear phishing"

"Spear phishing" is a more focused  form of "phishing", or posing as a legitimate source to gain access to sensitive personal identification and financial information. "Spear phishing" e-mails are sent to specifically targeted recipients and are designed to look like they were sent from someone the recipient knows and interacts with - possibly a business owner, supervisor, a colleague, or a department manager. The e-mail's subject line and content are likely to be specific to the target recipient's business responsibilities or interests.

Attorney General Tim Fox says, "These scammers often research their intended target by exploring the target recipient's LinkedIn and other socal media pages to build a convincing e-mail. It is easy to fall victim to those e-mails."  

The Montana Office of Consumer Protection has received dozens of notices about the following specific "spear phishing" scam:

A person impersonating a compnay executive sends a scam e-mail to a staff member. The e-mail requests a list of employees' W-2 information, such as employees' names, addresses, social security numbers, and wage information. In reality, though, when the staff member responds with the W-2 information to the fake scam e-mail, the scammer steals the personal information and uses it to commit identity theft. 

If you, or someone you know, receives an unusual e-mail requesting such information, do not respond immediately.  Contact the company executive by phone or in person to ensure that the request is legitimate.


Fraud Prevention Service

In our continuing efforts to keep your accounts secure, we've enhanced our system to alert you to potential fraud on your VISA Credit Card, effective May 25, 2016.

Here's how it works:

  • When potential fraud is detected, you will receive an automatic e-mail notification from Embark Credit Union, giving you the option to reply with "fraud" or "no fraud".
  • One minute after the e-mail, you will receive a text alert from 32874 between 7:00 a.m. and 9:00 p.m., which also has the "fraud" or "no fraud" option.*
  • If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud.

These messages will NEVER ask for your PIN or Account Number.

If you receive a communication regarding your VISA Credit Card, please confirm "fraud" or "no fraud" by responding directly via text, e-mail or by calling the Fraud Center at 1-800-417-4592.  If you have questions, during normal business hours, please contact us at 406.727.7300 or 1.800.823.9595.

REMEMBER: Be suspicious of e-mails, text messages or phone calls requesting personal or financial information. Scammers may ask for cardholder billing addresses, or the 3-digit code on the back of your card. Never respond to these requests. Monitor your account closely and report any discrepancies immediately. If you suspect fraud on your account or have any questions, please call 406.727.7300 or 1.800.823.9595 and request our Card Services Department.