Scareware is a particularly underhanded form of malware that causes fraudulent warning messages to pop up on your screen. These messages tell you something is wrong, or something bad is about to happen, and that you must immediately take a specific action to make it stop. Other names for this virus include “fraudware” and “rogue scanner software.”
Scareware messages come in all shapes and sizes. Some messages display alarming security warnings demanding immediate action, while some present more innocent-looking messages that simply prompt you to click “OK” to dismiss.
Sometimes the popups look harmless. In many cases, though, the popup appears to be a serious warning with any urgent message telling you to pay for software or a service to solve the bogus problem. The price tag for the solution is usually a small one, which makes the scam even more believable.
In the best-case scenario, you’ve paid for a worthless service. In the worst case, however, you’ve downloaded more malicious software to your computer, or you’ve provided your card information to criminals.
QUICK TIP: Question any warning message that asks you to download, install, or pay for something.
Then follow these important steps:
Step 1: Close the browser. The first thing you should always do when you see a suspicious alert on your computer is to close the entire browser window without clicking anything on the popup. (If the popup is preventing this, open your task manager – CTRL+ALT+DELETE on PC and COMMAND+OPTION+ESCAPE on Mac) and shut down your browser from there. If this doesn’t work, shut off your computer. When you start your computer again, don’t open your browser until you’ve completed the next two steps.
Step 2: Run a virus scan. Once you’ve closed your browser completely, run a virus scan on your computer using your installed security software.
Step 3: Make sure your operating system is up to date. Run any pending system updates, then reboot your computer afterward if it doesn’t reboot automatically. When you start your browser, decline any prompts that ask you if you want to reopen the tabs you were using before. If the popup returns, clearing the recent history and cache from your browser may eliminate the remnants of the scareware.

VISA Checkout – A better way to check out

VISA has provided it’s own online instant-buy option with its VISA checkout service, similar to PayPal, and aims to speed up online payments on both your phone and other devices.  If you want to make purchases easier, try VISA Checkout.

  • VISA Checkout works with any major debit or credit card.
  • VISA Checkout works on any device that can access the web.
  • VISA Checkout uses industry standard encryption and multilayer authentication to protect your data.

VISA Checkout is only used for making purchases and once the icon is selected it brings up a pop-up window that allows you to stay on the checkout page of the retailer instead of opening up another window. Enjoy an easier and more convenient way to check out using only a user name and password.  It’s free and the checkout process usually takes as few as 3 clicks.

Stores/Merchants that support VISA Checkout are: GAP, UA, Zulily, Best Buy, Staples, United Airlines, Wyndham, Starbucks, Dunkin Donuts, Pizza Hut, Taco Bell, Shutterfly, Walgreens and Petco, just to name a few.

Visit today.  Sign up is simple and secure.

If you don’t have a VISA card, contact a member service representative at one of our offices today.


MOBILE BANKING IS NOW AVAILABLE. Manage your accounts from your mobile device when it is convenient for you. Download our Mobile App in the iTunes App Store or Google Play. Just search CCUNR or Community Credit Union NR.


Transfer Funds between Eligible Accounts

Bill Pay

Review Transactions on Eligible Accounts

Make Loan Payments

Check Balances on Eligible Accounts


To use the Community Credit Union Mobile Banking App, you must be a Community Credit Union Online user. The Community Credit Union Mobile Banking App, allows you to access your accounts using your existing Community Credit Union Online username and password. To register for Online contact one of the branches.



George Washington Carver, the famous scientist and inventor best known for the many uses he discovered for the peanut, once said “It is service that measures success”.  His life was focused on unselfish thinking, trying to help others.

Phil Love, President/CEO of Pactola (Commercial & Agricultural Lending) stated the following in his CUAD(Credit Union Association of the Dakotas) memo:

Those are great words to live by.  We work in an industry that is not driven by profits, but by the people we help.  It is not focused on the accumulation of cash, but the advancement of our communities.  We are not striving after massive fame, but by memorable friends and families.  Every day, in our credit union and in our lives, we have the ability to make a difference with our service.  The challenge is to rise above our selfish limitations and to serve others.  That is what will make us great.

Balancing Rising Health Care Costs

Stop in and learn more about our Health Savings Account (HSA)

To contribute to an HSA you must be covered under an HSA-eligible high deductible health plan.

Some other guidelines to having an HSA: you CANNOT be enrolled in Medicare, you CANNOT be covered by another health plan (with limited exceptions), and you CANNOT be eligible to be claimed as a dependent on another person’s tax return.

Why open an HSA account?:

Tax-free distributions (if qualified)

Tax-deferred earnings

Balance carried over from year to year

Control of contributions and investments

Tax Deduction

Talk to us — we’ll be glad to provide you with more information on HSAs.


Sign up For Community Credit Union Online

Call one of your branches for an application to sign up for Online today. For a one time $10.00 fee and a signature you will be ready to do the following anytime and anywhere you want:

Transfer Funds Between Eligible Accounts                                                Review Transactions on Eligible Account

Online Bill Pay                                                                                                Make Loan Payments

Obtain Copy of Statements                                                                          Check Balances on Eligible Accounts


Credit Unions Doing Great Things

Over the past 20 years Credit Unions have donated $150 million to Children’s Miracle Network Hospitals. Marie Osmond has posted brief videos on Facebook and Twitter thanking Credit Unions for their ongoing support to Children’s Miracle Network Hospitals.  Watch the video below or view the post on Marie Osmond’s Facebook feed.


North Dakota Credit Unions- Financial Solutions Now, For a Lifetime

The Credit Union’s philosophy is what distinguishes us from all other financial institutions. We work for you and believe in our People Helping People philosophy by investing in your community.

Not For Profit

Profits are returned to you in the form of higher savings rates and lower loan rates.

Commitment to Service

Serving you, the member, is the Credit Union’s number one priority. North and South Dakota Credit Union’s serve over 450,000 members.

Democratically Controlled

As a member and part owner of your credit union, you have a say in how things are run.



The Best Defense Against Fraud is the Cardholder

Due to the number of merchants and other entities involved in data breaches and the resulting media exposure, consumers are paying more attention to their accounts. That’s a good thing because the best defense against fraud is the cardholder; by being aware and engaged they can help protect themselves from fraud.

Here are some suggestions for actions cardholders can take to mitigate card fraud:

  1. Notify the institution before they travel or make large or unusual purchases so you can allow these purchases and temporarily raise their limits if needed.
  2. Sign up for transaction alerts and review transactions online.
  3. Use online banking to retrieve financial statements. With online access, confidential mail is not sitting in an unlocked mailbox.
  4. Friendly fraud (the fraudster knows the victim – a relative or friend) accounts for about 10% of fraud. Don’t leave confidential information out in the open.
  5. Don’t give out personal private data over the Internet or phone unless you initiate the interaction with a trusted source. Do not respond to emails, phone calls or text messages that ask for sensitive information.
  6. Do not give out card and PIN information. Do not write your PIN on your card or put it in your wallet. Do not use a PIN that can be found in your wallet (birthdate, part of social security number, house number, etc.).
  7. Do not reveal any sensitive personal information on your Facebook, Twitter or other social networking sites.
  8. Do not respond to text messages, phone messages, emails, or pop-up windows that offer a gift in exchange for providing card information. There are so many scams circulating, it’s hard to stay current; in general DO NOT respond to ANY requests for personal and/or financial information.
  9. Do not provide your card information to any web site that is not a secure site. A secure website will have an “s” after the “http” in the URL address bar.
  10. Install and regularly update anti-virus, anti-spyware software and keep computer systems updated.
  11. Be aware of those around you … don’t let others overhear sensitive financial or personal information.
  12. Shred documents with sensitive information prior to disposal.
  13. Select complex passwords for your on line accounts. Avoid using the same password for all accounts.
  14. Other resources to check out:
    • Federal Trade Commission (FTC) Identity Theft Hotline: 877-ID-THEFT http:l/
    • Social Security Administration’s Fraud Hotline: 800.269.0271
Credit Union Association of the Dakotas
Equal Housing Leader
National Credit Union Administration
Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.