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.

VISA DEBIT CARD SAFETY TIPS

  • The Unit Trust Corporation continues to place the highest value on our customers. To help ensure that you safeguard your investments and heighten your awareness, here are a few safety tips to consider.
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ATM SAFETY TIPS: THE DO'S AND DON'TS

  • Do's. Pay close attention to the ATM and your surroundings - day or night:-
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CARD SECURITY TIP: FIVE STEPS TO TAKE IF YOUR DEBIT CARD IS LOST OR STOLEN

  • 1. Report the Incident If you lose your wallet, notice unusual activity on your UTC Visa Debit card account, or suspect your card details have been compromised, notify UTC immediately via the options below:-
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CARD SAFETY TIP: KEEP YOUR REGISTRATION INFORMATION UPDATED!

  • Financial institutions consistently require account holders to update their registration information. While this process may at times be tedious for cardholders, it is imperative that we recognize the importance of updated registration information in the combating of card fraud.
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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 TIP: PROTECTING YOUR UTC DEBIT CARDS

  • At Carnival, costumes, fetes, traditional events and art are on the minds of many citizens. However, as we 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 secure 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 TIP: ENTERING YOUR ATM PIN IN REVERSE. DEBUNKING THE MYTH!

  • Recently on social media, it was claimed 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

  • With ever increasing Card Fraud it is imperative that we inform you, our key stakeholder in Card Fraud Protection and Mitigation, of the need for Daily Vigilance.
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PERSONAL SECURITY TIP: ATM SAFETY TIP

  • 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 with suspicious protruding parts or unusual card readers.
  • Do NOT accept help from anyone at the ATM.
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PERSONAL SECURITY TIP: 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 and in an effort to assist you in protecting yourself from the growing trend, we've got some advice. read more

PERSONAL SECURITY TIP: 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

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PERSONAL SECURITY TIP: 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 using a mobile phone or 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.
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PERSONAL SECURITY TIP: TRAVEL REGISTRY

When travelling, be sure to check in with our travel registry so we can contact you in case of emergency or monitor your card activity for any suspicious transactions. You may inform our Customer Service Representatives at any 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).
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