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Q. How do I forward a fraudulent e-mail to Desjardins?
A. To ensure we get all the information we need about the fraudulent site, please forward both the e-mail and the site address in the following way:
- In the body of the e-mail, place your cursor over the link leading to the fraudulent site.
- Click on the right button of your mouse and select "Copy shortcut" (wording may differ).
- From your e-mail software or site, click on "Forward".
- In the top part of the message, click the right hand button of your mouse and click on "Paste".
- Enter the address phishing@desjardins.com and send.
Q. What do I do if I've answered a fraudulent e-mail?
A. If you believe you may have responded to a fraudulent e-mail, change your AccèsD password immediately.
To do this, log on to AccèsD and click on User file in the upper right-hand corner of the AccèsD header, and then on Change password in the left-hand menu. If you notice any unfamiliar transactions in your account, contact your caisse or call one of the following numbers immediately:
- Montreal area: 514-522-2373
- Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)
If it concerns your VISA account, contact VISA Desjardins customer service:
- Montreal area: 514-397-4415
- Elsewhere in Canada and the U.S.: 1-800-363-3380
- Other countries: Call collect 514-397-4610
Also contact credit agencies such as Equifax (1-800-465-7166 or 514-493-2314) and TransUnion (1-877-713-3393 or 514-335-0374), so they may add a note in your file alerting credit grantors that you may have been the victim of fraudulent activity.
To find out more, see Online security.
Q. What is Desjardins doing to prevent phishing?
A. Desjardins has implemented 24-hour active surveillance to ensure a quick reaction if fraudulent e-mail is detected.
In addition, Desjardins scrutinizes each e-mail you submit because you believe it may be fraudulent.
To find out more, see Online security.
Q. Why am I constantly receiving fraudulent e-mails?
A. Scam artists may have obtained your e-mail address from a variety of sources.
- They may have used a spam mailing list on which your address is listed with or without your consent. (These lists are sometimes created from online contest entries. Always be sure to check out the legitimacy of a company before you enter their online contest.)
- They may have obtained your address via spyware installed without your knowledge on your PC. (Make sure your computer is protected against spyware.)
- They may have created hundreds of thousands of e-mail addresses randomly by combining first and last names and known domain names, one of which happens to be your personal e-mail address
Once scam artists find an e-mail address that works, they may be tempted to send e-mails to that address over and over again.
Though phishing is generally associated with e-mail, some computer criminals use the phone as well. In this case, pirates call victims on the phone and pose as a financial institution employee, an investigator or a police officer.
To find out more, see Online security.
Q. Could I have visited a fraudulent site without first receiving an e-mail?
A. In order for attempted phishing to be successful, fraud artists have to create a phony Web site on the Web.
If you use a recognized search engine (e.g.: Yahoo, Google, MSN, etc.), you may come across phony AccèsD Web sites in your search results.
Desjardins always takes immediate action to shut down these fraudulent sites but sometimes, a few minutes or a few hours may go by before the appropriate authorities and ISP providers can act.
Never go to AccèsD via a search engine. Always type www.desjardins.com in your address bar and click on the AccèsD link.
To find out more, see Online security.
Q. The e-mail states that my AccèsD account is about to expire. Is this possible?
A. No, your account and the AccèsD service on which you make online transactions does not have an end date and cannot expire. Only you can decide to close your account or stop using the service.
To find out more, see Online security.
Q. What should I do if I receive an e-mail I believe to be fraudulent?
A. If you receive an e-mail asking you to update your personal information (debit card number, AccèsD password, social insurance numbers or date of birth) under the pretext that your AccèsD account is about to expire or for any other reason,
do not respond to the e-mail, click on the link displayed or open any attachment.
Send us the e-mail and the site address to: phishing@desjardins.com. Please note that you will receive an automated response to e-mail sent to this address. Caution: do not include confidential information such as an account number or PIN. For assistance, contact an AccèsD service agent by calling one of the following numbers: 514-253-7350 or 1-877-253-7350 (from 8 a.m. to 9 p.m. Monday to Friday and from 8 a.m. to 8 p.m. on Saturday and Sunday).
To find out more, see Online security.
Q. Should I be concerned about the security of the personal information I've provided to my caisse or VISA Desjardins?
A. No. There are security measures in place to prevent scam artists from being able to access Desjardins computer systems. That's why they are attempting to obtain your access code, password, social insurance number, and birth date through phishing rather than through our systems. The Desjardins.com Web site is secure and your personal information will remain confidential.
To find out more, see Online security.
Q. What can scam artists do with my personal information?
A. Once scam artists have your debit card number and password, they can access your account and make money transfers from either your account your VISA Desjardins credit card. The money is usually sent to an accomplice. If they also have your birth date and social insurance number, they can also steal your identity and use it request credit cards, loans or lines of credit in other financial institutions.
To find out more, see Online security.
Q. Is Desjardins the only financial institution targeted by phising?
A. Not at all. Phishing is being practiced increasingly throughout the world and principally at financial institutions.
To find out more, see Online security.
Q. How do I forward a fraudulent e-mail to Desjardins?
A. To ensure we get all the information we need about the fraudulent site, please forward both the e-mail and the site address in the following way:
- In the body of the e-mail, place your cursor over the link leading to the fraudulent site.
- Click on the right button of your mouse and select "Copy shortcut" (wording may differ).
- From your e-mail software or site, click on "Forward".
- In the top part of the message, click the right hand button of your mouse and click on "Paste".
- Enter the address phishing@desjardins.com and send.
Q. What do I do if I've answered a fraudulent e-mail?
A. If you believe you may have responded to a fraudulent e-mail, change your AccèsD password immediately.
To do this, log on to AccèsD and click on User file in the upper right-hand corner of the AccèsD header, and then on Change password in the left-hand menu. If you notice any unfamiliar transactions in your account, contact your caisse or call one of the following numbers immediately:
- Montreal area: 514-522-2373
- Elsewhere in Canada and the U.S.: 1-800-CAISSES (1-800-224-7737)
If it concerns your VISA account, contact VISA Desjardins customer service:
- Montreal area: 514-397-4415
- Elsewhere in Canada and the U.S.: 1-800-363-3380
- Other countries: Call collect 514-397-4610
Also contact credit agencies such as Equifax (1-800-465-7166 or 514-493-2314) and TransUnion (1-877-713-3393 or 514-335-0374), so they may add a note in your file alerting credit grantors that you may have been the victim of fraudulent activity.
To find out more, see Online security.
Q. What is Desjardins doing to prevent phishing?
A. Desjardins has implemented 24-hour active surveillance to ensure a quick reaction if fraudulent e-mail is detected.
In addition, Desjardins scrutinizes each e-mail you submit because you believe it may be fraudulent.
To find out more, see Online security.
Q. Why am I constantly receiving fraudulent e-mails?
A. Scam artists may have obtained your e-mail address from a variety of sources.
- They may have used a spam mailing list on which your address is listed with or without your consent. (These lists are sometimes created from online contest entries. Always be sure to check out the legitimacy of a company before you enter their online contest.)
- They may have obtained your address via spyware installed without your knowledge on your PC. (Make sure your computer is protected against spyware.)
- They may have created hundreds of thousands of e-mail addresses randomly by combining first and last names and known domain names, one of which happens to be your personal e-mail address
Once scam artists find an e-mail address that works, they may be tempted to send e-mails to that address over and over again.
Though phishing is generally associated with e-mail, some computer criminals use the phone as well. In this case, pirates call victims on the phone and pose as a financial institution employee, an investigator or a police officer.
To find out more, see Online security.
Q. Could I have visited a fraudulent site without first receiving an e-mail?
A. In order for attempted phishing to be successful, fraud artists have to create a phony Web site on the Web.
If you use a recognized search engine (e.g.: Yahoo, Google, MSN, etc.), you may come across phony AccèsD Web sites in your search results.
Desjardins always takes immediate action to shut down these fraudulent sites but sometimes, a few minutes or a few hours may go by before the appropriate authorities and ISP providers can act.
Never go to AccèsD via a search engine. Always type www.desjardins.com in your address bar and click on the AccèsD link.
To find out more, see Online security.
Q. The e-mail states that my AccèsD account is about to expire. Is this possible?
A. No, your account and the AccèsD service on which you make online transactions does not have an end date and cannot expire. Only you can decide to close your account or stop using the service.
To find out more, see Online security.
Q. What should I do if I receive an e-mail I believe to be fraudulent?
A. If you receive an e-mail asking you to update your personal information (debit card number, AccèsD password, social insurance numbers or date of birth) under the pretext that your AccèsD account is about to expire or for any other reason,
do not respond to the e-mail, click on the link displayed or open any attachment.
Send us the e-mail and the site address to: phishing@desjardins.com. Please note that you will receive an automated response to e-mail sent to this address. Caution: do not include confidential information such as an account number or PIN. For assistance, contact an AccèsD service agent by calling one of the following numbers: 514-253-7350 or 1-877-253-7350 (from 8 a.m. to 9 p.m. Monday to Friday and from 8 a.m. to 8 p.m. on Saturday and Sunday).
To find out more, see Online security.
Q. Should I be concerned about the security of the personal information I've provided to my caisse or VISA Desjardins?
A. No. There are security measures in place to prevent scam artists from being able to access Desjardins computer systems. That's why they are attempting to obtain your access code, password, social insurance number, and birth date through phishing rather than through our systems. The Desjardins.com Web site is secure and your personal information will remain confidential.
To find out more, see Online security.
Q. What can scam artists do with my personal information?
A. Once scam artists have your debit card number and password, they can access your account and make money transfers from either your account your VISA Desjardins credit card. The money is usually sent to an accomplice. If they also have your birth date and social insurance number, they can also steal your identity and use it request credit cards, loans or lines of credit in other financial institutions.
To find out more, see Online security.
Q. Is Desjardins the only financial institution targeted by phising?
A. Not at all. Phishing is being practiced increasingly throughout the world and principally at financial institutions.
To find out more, see Online security.
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