Peninsula Credit Union


Peninsula Credit Union Provides Identity Theft Protection

Posted on February 6, 2015

Important information regarding the Anthem, Inc. data breach incident

Anthem, Inc. is the second largest health insurer in the United States and is the most recent victim of a massive data breach impacting an estimated 80 million consumers. As of February 4, 2015, Anthem has confirmed that a network intrusion has led to the compromise of personally identifying information, including name, date of birth, Social Security number, street and email address, and some employment information.

Important to know is the following:

  • Anthem will offer free credit monitoring services to compromised customers. An announcement will be sent to compromised consumers with information regarding how to activate these services. HOWEVER, credit monitoring only alerts you to new credit or changes to your existing credit. Much criminal activity using stolen identification information does not trigger a credit monitoring alert.
  • Anthem has created a website to pass along information to the public ( and a toll-free telephone number for questions (877-263-7995). Those consumers who find that fraud has been perpetrated against them are encouraged to report the incident to the FBI’s Internet Crime Complaint Center at
  • If you suspect any fraudulent transactions, please contact Member Services immediately at 360-426-1601.
  • If your Peninsula Credit Union account includes identity theft protection, or if you have purchased an identity theft protection package from our website, and you suspect identity fraud of any kind, let us know. Whether it is financial or non-financial fraud, even if it is not connected to this incident, we can help. You will be assigned to a certified, professional Identity Recovery Advocate at no cost to you. These professionals are standing by to answer questions, place fraud alerts, research potential fraud, dispute fraudulent transactions on your behalf, and perform the legwork to return you to pre-theft status, no matter how long it takes—all at no cost to you as a valued accountholder with Peninsula Credit Union.

Be wary of emails or telephone calls that request information. Neither Anthem nor our financial institution will ask you to provide any information in relation to this possible data breach incident.

Below are recommended steps to remain vigilant against possible identity fraud:

  1. Check your Account Statements. Review your statements carefully and repeatedly. Any purchases, large or small, should be verified as a purchase you made.
  2. Check Your Mail and Your Email. Look for mail and emails addressed to you that you do not recognize. This may include credit card accounts, medical bills, or notices from companies with which you do not have a relationship.
  3. Get Help. You are not responsible for fraudulent transactions on your account, but you need to notify us as soon as possible if you see any suspicious activity. In addition, if you are concerned about fraud beyond the transactions on your current account, you may have access to an Identity Fraud Protection program that includes Fully Managed Identity Fraud Research, Remediation, and Recovery Services. We will submit your name to our Recovery Care Center and, within 24 business hours, you will be contacted by an Identity Recovery Advocate who will investigate the situation and work on your behalf to remediate any fraud. Contact us with any questions.
  4. Take Action. If you suspect that your identity has been compromised, you can place a fraud alert on your credit file by calling any one of the three major credit reporting agencies shown below. A fraud alert is a notation on your credit file to warn credit issuers that there may be a problem. The credit issuer is asked to contact you at the telephone number that you supply to validate that you are the person applying for the credit. This is not the same as credit monitoring.

TransUnion: 1.800.916.8800

Experian: 1.888.397.3742

Equifax: 1.800.685.1111

In accordance with the Fair Credit Reporting Act, it is permissible for consumers to request a free copy of their credit report once every 12 months from each of the three major credit reporting agencies (TransUnion, Experian and Equifax). To order a free credit report:

Online: or by Telephone: 1.877.322.8228

We appreciate your trust in our financial institution. It is important to us to provide professional identity theft protection services for our Peninsula Credit Union Vantage and Horizons accountholders for any identity theft incident that affects you and/or your family.

Find out more about Fraud Defender


Home Depot Data Breach

Posted on September 16, 2014

We have been able to confirm that a number of our members did use their debit cards at Home Depot during the time that there was a potential exposure to a data compromise. Up to this point, we have not seen a spike in fraud attempts from this current breach. We employ a fraud detection service to monitor all of our debit accounts which is very effective at stopping or limiting card fraud. If you are a member whose card was exposed, you will be receiving a letter from us that will go into more detail about your options. We would like all of our members to know that they are not liable for fraud committed on their accounts.

Home Depot is offering free identity protection services, including credit monitoring, to any customer who shopped at a Home Depot store in 2014, from April on. You can learn more about identity protection services and how to sign up for them at

As always, if you notice something suspicious about your account, please notify us immediately.


Home Depot Data Breach

Posted on September 9, 2014

On Monday, September 8, 2014, Home Depot has confirmed that they have experienced a data breach.

Home Depot’s press release states that the breach goes back to April 2014. The release does not clarify whether every account used at Home Depot since April was impacted; nor does their release give information about precisely what card information may have been compromised, although they have indicated that no debit PIN info was impacted.

Home Depot is offering free identity protection services, including credit monitoring, to any customer who shopped at a Home Depot store in 2014, from April on. You can learn more about identity protection services and how to sign up for them at

At this time, Peninsula Credit Union has not received any specific information regarding any of our member’s accounts being affected. All accounts are actively being managed and we will provide you with updates continually as appropriate. We remind our members that it is always good practice to regularly monitor their accounts and we provide several tools to do so including online banking and our mobile app.

As always, if you notice something suspicious about your account, please notify us immediately.


Potential Data Breach of Home Depot Stores

Posted on September 5, 2014

We are following recent reports of a Home Depot credit and debit card breach. Please be assured that there is no need to take any action regarding your Peninsula debit card – you may continue to use your card. However, if your card is identified as part of the breach, we will contact you by mail regarding the replacement of your card. Additionally, we encourage our members to always monitor their accounts and  let us know immediately if they see anything unusual.


Heartbleed Bug Not a Threat to Peninsula Credit Union Members

Posted on April 14, 2014

On an ongoing basis, Peninsula Credit Union evaluates its website and online systems for security threats and potential vulnerabilities. Peninsula Credit Union internal systems are not susceptible to the recent “Heartbleed Bug and have not been compromised.

Although many websites are targets, Peninsula Credit Union Online Banking is not vulnerable because it DOES NOT use OpenSSL or open source encryption technology.

Your accounts are safe and secure. You do not need to change your username and password and can continue to securely access your Peninsula Credit Union online banking and bill pay via both computer and mobile devices. However, you may always change your password at any time. Best security practices do recommend that you  change your passwords from time to time.

For your home or personal computer, remember the rules of good security:

  • Install and update anti-virus and spyware-detection software, as well as a firewall.
  • Keep your computer and browser updated by allowing automatic updates.
  • Never respond to emails or web pages requesting personal information verification.
  • Delete emails from unknown senders with nonsensical information, subject line typos, or suspicious links.
  • Do not click any links in suspicious emails.
  • When you shop online, check your browser for an "s" (for "secure") in the web address (i.e., "https") and a locked padlock symbol.

System Maintenance

Peninsula Credit Union will be performing system maintenance on Sunday, March 16 from 4:00am – Noon PST. During that time there will be no access to:

  • Online Banking
  • Phone Banking
  • Text Banking
  • Mobile Banking
  • ATM balance inquiry and transfers

There will be limited access to ATM withdrawals and debit card purchases during that time. We apologize for any inconvenience that this might cause and hope to have the work done as soon as possible. Thank you for your membership.



Target disclosed today, January 10, that personal information from an additional 30 million Target customers may have been included in the data that was stolen during the breach period of November 27 to December 15, 2013. This brings the total of Target customers affected to 70 million. According to Target’s release, the data in jeopardy for the additional 30 million customers DOES NOT include payment card data. Target states that the names, mailing addresses, phone numbers, and email addresses of the additional 30 million customers were exposed in part or in whole. Target’s release is available for reading at:



As previously shared, once news broke that Target had suffered a data breach, Peninsula Credit Union began to take action and monitor the situation (see previous postings on this web page). As soon  as it was available, we obtained the list of Peninsula Credit Union debit cards that were compromised from Visa. We then began to reissue those affected cards and send letters notifying members via a letter.

The process of reissuing all affected cards has been completed. If you were a member whose debit card number was at risk, you will be receiving a letter in the mail letting you know that your card is being reissued, when you should expect the new card to arrive and when your existing card will be no longer be able to be used. It is important that you activate your new card once you receive it. There will be no charge for replacing your compromised card(s).

We want to assure members that your accounts with us are monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity. Peninsula Credit Union employs the most advanced fraud detection and prevention technology to guard members’ debit accounts against unauthorized access and use.

Questions about the Target REDcards should be directed to Target at 1-866-852-8680 or

It is always a good practice for members to keep a watchful eye on their accounts and transactions. If you notice any unauthorized activity on your checking account, please contact Peninsula Credit Union immediately at 360-426-1601 or 1-800-426-1601.

Thank you for being a valued member of Peninsula Credit Union.



Peninsula Credit Union has been monitoring the issue with regards to the Target data breach every day since the news broke last Wednesday.

As our 12/19/2013 Alert shared (see below), this event was limited to November 27 through December 15 for in-store transactions only. Be assured that your Credit Union was not involved in any part of this security breach.

VISA has sent notification to Peninsula Credit Union regarding those debit cards exposed during this data compromise. Affected cardholders will receive a letter and a new card within 14 business days of the date of that letter. There will be no charge for replacing your compromised card(s). You should activate your new card immediately. Your existing card will continue to work until the date specified within your notification.

Questions about the Target REDcards (transactions posted to a checking account through ACH) should be directed to Target at 1-866-852-8680 or If you notice any activity on your checking account that you did not authorize, please contact Peninsula Credit Union immediately.

You should monitor your account for any unauthorized activity by frequently reviewing your account history through On-line banking, the PCU Mobile App, Peninsula Financial Manager (PFM) Alerts, or your statements.

If you have any questions or concerns, please don’t hesitate to give us a call at 360-426-1601 or 1-800-426-1601.



There have been inquiries regarding the potential data breach reported by Target.  As your credit union, we have taken steps to monitor whether any of our members have been affected at this time. We have not been able to identify that any of our members have but we feel that it is important to help understand what steps member can take to monitor their accounts. 
The information that is available to us states that the only cards potentially impacted by this breach, as it is now known, are ones utilized IN A TARGET STORE DURING THE TIME FRAME OF NOVEMBER 27th through DECEMBER 15.  (If a card was used in an online purchase, it is not impacted.)
Things to keep in mind:

  • If you did not use your card during this period you should not be affected.
  • If you did use your card during the period listed above, you should monitor your account for any unauthorized activity.
    • We have tools available for this purpose:
    • On-line banking
    • Mobile App
    • PFM alerts
  • If you detect unauthorized activity on a TARGET credit card, TARGET debit card or RED Card you should contact Target at 866-852-8680.
  • If you detect unauthorized activity on another financial institution’s credit card, you should contact that institution and Target at the number listed above.
  • If you have a TARGET DEBIT CARD linked to a PCU checking account, or have used your Peninsula debit card at Target and unauthorized activity is detected, you should contact our Member Services department immediately at 800-426-1601.
  • Bulletins regarding this potential breach have not yet been issued by various agencies; but we expect that they will be forthcoming shortly with additional information.
  • Because of the timing of this potential breach, you may not want to experience the inconvenience involved in a card re-issue if it is not necessary.  The agencies and firms that we typically receive guidance from in these types of situations are encouraging people to be diligent in monitoring their accounts, but also encouraging folks to “sit tight” regarding a card re-issue until additional information is available.

At Peninsula Credit Union, we take member security seriously and take great precautions to safeguard our data. If you have any questions regarding this or any other matter, please do not hesitate to call or visit a branch.
Thank you for being a member. Our Priority is You.


Report Phishing - 7/12/13

The IRS does not initiate contact with taxpayers by email to request personal or financial information. This includes any type of electronic communication, such as text messages and social media channels.


What is phishing?
Phishing is a scam typically carried out by unsolicited email and/or websites that pose as legitimate sites and lure unsuspecting victims to provide personal and financial information.

All unsolicited email claiming to be from either the IRS or any other IRS-related components such as the Office of Professional Responsibility or EFTPS, should be reported to

More information...


Skimming Fraud Incident - 10/17/12

Members have been contacting us stating that they’ve received the following text message:
               “The credit union center alert: your card had been deactivated. Please call 360-554-0095.”

This is a SCAM. The number has been disconnected.

If you have any questions, pease give us a call at 360-426-1601


Beware of Skimming Fraud

Recently, there has been an increased rate of debit card fraud, in particular "skimming at self serve gas pumps". Skimming has been described as one of the most significant problems facing the credit card industry, as it can happen anywhere a credit card is accepted. The best way for consumers to protect themselves from skimming is by paying attention to the details of credit card usage. When a credit card is skimmed, data on the card, including the account number, is electronically transmitted or stored. The credit card information can then be encoded onto a lost, stolen, or counterfeit credit card and used anywhere in the world. Since there are legitimate uses for many of the devices used to read or skim credit cards, paying attention to where you use your credit cards can also help prevent fraud.

More information...


Sweepstakes Scam

June 12, 2012

A telephone scam that emerged last month holding out a “sweepstakes” offer from the Consumer Financial Protection Bureau has since evolved and promises payments up to $1.5 million after the consumer pays “taxes.” The CFPB issued a notice in May and again last week warning consumers not to be fooled. “The CFPB does not host sweepstakes and will never ask you to send us money in exchange for us sending you money in return,” it said. The CFPB says consumers receiving such calls should not provide any personal, consumer, or commercial information. Some of the calls may tell the consumer that if they can’t pay the taxes, the caller will find a sponsor who can. “A popular model for scams is to trick the intended victim into cashing a fraudulent check in order to send a portion to a scammer,” the CFPB warns. “We continue to stress that you should not provide any personal, consumer, or commercial information to the caller. Anyone receiving suspicious calls related to the CFPB are directed to call the bureau directly at 877-411-CFPB and report them.


Spotting an Impostor: Scammers Pose as Friends, Family and Government Agencies

It's easy to think "It couldn't happen to me." But scammers know how to get around our better judgment. They play on our emotions or promise big payoffs to get us to act. And many use the names of government agencies like the FTC, trusted companies, or friends and family to get us to buy into their schemes. We may not be able to spot the impostor until it's too late.

The Federal Trade Commission (FTC), the nation's consumer protection agency, wants you to know that scammers are posing as people, agencies and companies you know and trust. They may use phone calls, emails, letters, faxes or even text messages in their deceptions. To see past the disguise, you need to be alert to signs of an impostor scam:

  • They want you to wire money. Wiring money is like sending cash; once it's gone, you can't get it back. Don't send a check or money order by overnight delivery or courier, either. And don't deposit a check and wire money back — the check will turn out to be a fake. Con artists tell you to use these services so they can get your money before you realize you've been cheated. For more on money wiring scams, visit
  • They want you to pay to collect your winnings. Legitimate sweepstakes don't require you to pay insurance, taxes, or shipping to claim what you've won. Scammers pretend to be with banks and well-known companies like WalMart and Publishers Clearing House to make you think it's the real deal. No matter how convincing the reasons, never send money to claim a prize.
  • They claim to be with a government agency. They may try to get you to send money by saying they're with the FBI, FTC, IRS, U.S. Customs and Border Protection or the U.S. Marshals Service. They might even use a real employee's name and call from a Washington, D.C., phone number. But it's a number they've faked. Contrary to scammers' lines, no federal government agency supervises or runs sweepstakes. Similarly, insurers like Lloyd's of London don't insure the delivery of sweepstakes winnings.
  • They claim to be someone you care about. You think it's your grandson calling, panicked because he needs you to wire money to help him fix a car, get out of jail or a hospital emergency room, or leave a foreign country without the rest of the family finding out. Or a stranded friend emails and asks you to wire money overseas. In reality, it's a scammer who sleuthed out your grandchild's name, or hacked your friend's email account. To make sure it's not really a loved one in trouble, call a number you know to be genuine, and check the story out with other people in your circle. You also can ask the caller some questions that a stranger couldn't possibly answer.
  • They want you to act now. The key to successful impostor scams is getting you to send money before you find out who's really on the other end. The more time you have, the more likely you'll figure it out. Resist the pressure to act immediately before you've checked it out.

File a complaint with the FTC

If you encounter an impostor scam, let the FTC know. File a complaint at or call 1-877-FTC-HELP.


January 2, 2011

Due to unusually high levels of fraudulent activity abroad, Peninsula Credit Union has placed debit card usage restrictions on certain countries. Please contact us regarding your international travel plans to discuss the use of your debit card for the duration of your trip.


July 29, 2010

Phishing Alert: the email message: "Subject: account notification" was not sent by Peninsula Credit Union and possibly contains a virus. Do not open and delete upon receipt. Following is an example of the false email:

Dear Customer,

This e-mail was send by to notify you that we have temporanly prevented access to your account.

We have reasons to beleive that your account may have been accessed by someone else. Please run attached file and Follow instructions.


Peninsula Credit Union will never solicit information by email. If you are ever in doubt about an email or other contact from Peninsula Credit Union, please call 800-426-1601 to confirm that you are dealing with a legitimate representative of Peninsula Credit Union.



Phishing alert: E-mail claims to be from NACHA

WASHINGTON (7/23/10)--A phishing e-mail scam claiming to be from NACHA, the electronic payments association, has prompted an alert to key players, including financial institutions, in the electronic auto clearinghouse (ACH) payments system.

NACHA received reports that individuals and/or companies received the e-mail. The subject line of the e-mail states, "Unauthorized ACH transaction," however, recipients should be alert for different variations of fraudulent e-mailes.
The message contains a link that directs recipients to a fake Web page sporting a link with an executable virus with malware.

NACHA warns recipients not to click on the link. "Both the e-mail and the related website are fraudulent," it said in the alert. "Do not follow Web links in unsolicited e-mails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual," NACHA said.
NACHA does not process or touch the ACH transactions that flow to and from organizations and financial institutions. It does not send out communications to individuals or organizations about individual ACH transactions that they originate or receive.


Peninsula Credit Union will never contact you asking for your account number or social security number. Some fraudulent scams are known to call with a message that says that your debit card account had been compromised due to billing problems and that you must provide an account number to get your card reactivated.

If you receive such a call, you should ignore it. You may also wish to contact us so that we can be aware of the situation or if you wish to clarify your account status with us.

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This credit union is federally insured by the National Credit Union Administration.

Routing Number: 325182344 (wire instructions)