Fraud Prevention

Phishing involves fraudulent attempts to obtain sensitive information such as usernames, passwords, and account details by pretending to be a trustworthy entity through email, text messages, or fake websites. 

Tips to Avoid Phishing:

• Never click on suspicious links or download attachments from unknown sources.
• Verify the sender's email address before responding.
• Contact us directly if you receive a suspicious message claiming to be from Michigan One.
• Beware of emails with an urgent call to action. Cybercriminals often use a false sense of urgency to trick users into clicking a link to claim a reward or avoid a penalty. 
• Avoid providing sensitive information via email or text; legitimate organizations won’t ask for it this way.
• If you receive a suspicious email claiming to be from Michigan One, please contact us.
• Michigan One will never send emails requesting account or personal information.

Identity Theft & Fraud Prevention

Identity theft occurs when someone uses your personal information without permission to commit fraud or other crimes.

How to Protect Yourself:

• Never provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the internet if you did not initiate the communication. If you believe the contact may be legitimate, contact the organization yourself using a phone number or website address that you have independently obtained.
• Do not be intimidated by an email or caller who suggests dire consequences if you do not immediately provide or verify financial information.
• Do not be enticed by offers that seem too good to be true. These offers are often used to get you to drop your guard and share personal financial information.
• Change your password regularly and use different passwords for different websites. Use Multi-Factor Authentication (MFA) when available. 
• Routinely monitor your financial accounts and billing statements.
• Shred documents containing personal financial information.
• Visit www.ftc.gov/bcp/edu/microsites/idtheft/, or call 1-877-IDTHEFT for additional advice.