Protecting Your Investment

In today’s environment, there are more sophisticated techniques being used to defraud innocent cardholders of their money . As such, your best defense is to secure your card and personal funds against such attacks. With this in mind, our Security Tips will provide key information to help you protect your investments.

PERSONAL SECURITY TIP – VISHING

  • Vishing involves a fraudster phoning a potential victim and posing as someone from a bank, financial institution, the police or another legitimate organization in an attempt to obtain financial information which includes debit and credit card details, bank account details and personal information. This information is used by the fraudster to gain access to their victim’s finances.
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CARNIVAL SAFETY TIPS? PROTECTING YOUR UTC DEBIT CARDS

  • We have entered the throes of the 2017 Carnival season. Costumes, fetes, traditional events and art are on the minds of many citizens. However, aswe celebrate what is an integral part of Trinbagonian culture, always remember to be vigilant when using your UTC Debit Cards and ensure that your financial wellbeing is secured throughout the season.
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HIGH LEVELS OF ELECTRONIC PAYMENT FRAUD IN BRAZIL

  • When travelling to BRAZIL be sure to remain vigilant when using your UTC Visa Debit Card. Research has shown that high levels of e-crime threat activity have afflicted the South American country and Brazil routinely places in the "Top Five" lists of various global cybercrime rankings.
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SAFEGUARDING YOUR UTC VISA DEBIT CARD IN FOUR SIMPLE STEPS

  • Use UTC U-Online on a regular basis to review transaction history on your account. Verify account activity with receipts received from merchants. Be sure to immediately report any unusual transactions to the nearest Unit Trust Investment Centre.
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ATM SAFETY TIPS II - ENTERING YOUR ATM PIN IN REVERSE. DEBUNKING THE MYTH!

  • Recently on social media, information circulated that claims entering your PIN backwards will alert the police. This statement however is simply FALSE. This rumor has existed since the mid-1980s, when some American police departments proposed an ATM PIN system that would do just that, believing it to be an effective way of tracking criminals.
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PERSONAL SECURITY TIP – DEVELOP A CULTURE OF VIGILANCE

  • The *Nilson Report places Global Card Fraud at US$14 billion in 2014, up 19% from 2013. With the ever increasing Card Fraud statistics it is imperative that we inform you, our key stakeholder in Card Fraud Protection and Mitigation, of the need for Daily Vigilance.

  • When using your card at merchants remember:
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PERSONAL SECURITY TIPS: ATM SAFETY TIPS

  • As you approach an ATM, be aware of your surroundings and have your card ready
  • Always use ATM machines during the day or at well-lit locations during the night
  • Do not use any ATM  that has suspicious protruding parts or unusual card readers
  • Do NOT accept help from anyone at the ATM
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PERSONAL SECURITY TIPS: SKIMMING

SKIMMING: The act of using a small device known as a skimmer to illegally collect data from the magnetic stripe of a credit or debit card. This information is written onto another blank card’s magnetic stripe and is then used to make purchases or withdraw cash from the account of an unsuspecting cardholder.
Incidents of card skimming (card cloning) have been increasing in numbers and in an effort to assist you in protecting yourself from the growing trend, the following is recommended... read more

PERSONAL SECURITY TIPS: LOST OR STOLEN CARD ASSISTANCE

If your card is lost or stolen IMMEDIATELY take steps to protect your investment by following a few basic procedures:
Contact UTC via one of the following Options:

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PERSONAL SECURITY TIPS: SHOULDER SURFING

SHOULDER SURFING involves looking over someone's shoulder, to get information. It is commonly used to obtain passwords, Personal Identification Numbers (PINs), security codes, and other similar data.
Shoulder Surfing can also be done from a distance using vision enhancing devices such as binoculars. Cameras can also be installed in ceilings, walls, other fixtures or ATMs to capture the entry of security codes or PINS. It has become a much greater threat due to the prevalence of mobile phones equipped with cameras and video recorders. read more

PERSONAL SECURITY TIPS: TRAVEL REGISTRY

When travelling, be sure to check in with our travel registry so we can contact you in case of emergencies or monitor your card activity for any suspicious transactions. You may inform our Customer Service Representatives at any one of our Investment Centres of your travel plans or e-mail us at VisaServices@ttutc.com with the following details:
Name, Date of Birth, Destination, Duration of Stay (Date of Departure & Return), and Contact Information (phone # and email address). read more