Member Education

Consumer U

  • This website is designed to provide answers and to enlighten our members.  From buying a car to fighting fraud, you’ll find a wide assortment of topics.
  • If you don’t see a topic you’d like to see here, contact us today.

Card Skimming — an ongoing problem

Card skimming is an ongoing and serious problem.  Long term, EMV (chip cards) will make skimming much more difficult and reduce the occurrence. Your Pacific Cascade Visa credit cards should have a chip in/on it, or will at your next reissue.  Our debit cards will be chipped soon. Until then, and even after, be aware of the terminal or ATM when you insert your card. Currently, there is an increased (regional) incidence of skimming at 7-Eleven locations in New York and California. So if you plan to travel, plan to be vigilant.

Be wary of card swipes that appear altered or have added device(s).  Rule of thumb, if you can wiggle it, it’s probably not right. When entering your pin at a terminal or ATM, guard your entry from view of others or cameras. Some devices have PIN pad enclosures to block the view of your PIN from observers, but most do not.

Just do you best to look for something wrong… If you think you have used a machine that you feel questionable, contact us at 541-343-6238.

Protecting your Personal Information on Mobile Devices

  • Whether you use a smart phone, tablet, or laptop on the go, we hope you take precautions to safeguard your personal information.
  • Mobile technology has made shopping and banking easier than ever, but it has also given the scammers the tools they need to capture login information and passwords, and to access contacts, texts and emails.
  • Although financial institutions and legitimate online retailers have systems in place to make transactions secure, it’s up to consumers to make sure they don’t make themselves vulnerable. All mobile devices are at risk to some degree of being hacked through free Wi-Fi spots and Bluetooth connections.

5 Steps to a More Secure Mobile Device

There are some things you can do to make yourself less vulnerable.  The Financial Industry Regulator Authority (FINRA) offers five tips to keep your mobile device information safe:

  1. Password-protect your phone or tablet

    This way, information is not easily accessed if it is lost or stolen.

  2. Don’t stay “auto-logged in” to your accounts.

    Even though it’s convenient, it increases the risk that an unauthorized user will access your account(s).

  3. Delete old account update texts from your financial institution.

    This will reduce your exposure to fraud.

  4. Report lost or stolen devices immediately

    Report to your wireless provider AND financial institution(s).

  5. Never provide personal information unless you initiate the contact with financial institutions.

    Banks, credit unions and credit card companies do not request account numbers, Social Security numbers, or other sensitive information through email or text messages.  If you’re not sure about a request, contact your financial institution by calling the number on the back of your debit or credit card.

Additional Tips

Consider installing software that allows you to erase the content of your mobile device from a remote location in case it goes missing.

Find more information and advice to protect your personal information here: