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Your Guide to Cybersecurity

In today's digital age, keeping your personal and financial information safe is more crucial than ever. At Town & Country, your security is our top priority. We are committed to regularly updating you on the latest cybersecurity threats and ways to protect yourself. Learn more about some of the tactics scammers use, and then take our quiz below to test your knowledge! We will be drawing 5 lucky individuals to win $100 each for completing the quiz. 

We will draw and notify the winners on Friday, November 1. Good luck! 

AI Fakes and Deep Fakes

• The advancement of artificial intelligence has created a new era of cyber threats, including AI fakes and deep fakes. These sophisticated techniques involve audio and video clips that look and sound remarkably like real people, making it hard to distinguish between real and fake. Scammers use these tools to create convincing messages that trick individuals into disclosing personal information or transferring funds to fraudulent accounts.
• Cyber Tip: Always verify the source of any suspicious message, and remember, never provide personal information via phone, email or text message.
  

Spoofed Phone Calls

• Scammers can make it appear that their phone calls come from any number, including Town & Country Credit Union. When calling, they may say that there is an issue with your account and that they need your information.
• Cyber Tip: Always be skeptical of unsolicited calls or messages, even if they appear to come from a reputable business. When in doubt, hang up and contact the business directly by looking up their phone number online.

Phishing Scams

• Phishing scams remain among the most common and effective methods scammers use to access your information. These scams often come in the form of emails or text messages that appear to be from legitimate sources but are designed to trick you into giving them your personal and financial information. 
• Cyber Tip: Carefully review any email asking you to click a link or provide personal information. Look out for poor grammar and spelling, urgent or threatening language, requests for personal data and offers that are too good to be true—these are all fraud indicators. 
  

In addition to recognizing and avoiding scams, an effective way to ensure your online security is to enable multi-factor authentication (MFA) on your accounts and applications. MFA adds an extra layer of security by requiring users to enter more information than just a password, like a code sent to their email, scan a fingerprint or answer a secret question. 

If you suspect you are the target of a scam or fraudulent activity, report it immediately. Our team is here to help. Visit your local branch or contact us at 1-800-872-6358 from 7 a.m. to 7 p.m. Monday through Friday and 8 a.m. to 2 p.m. on Saturday. For after-hours assistance on disputing fraudulent transactions, call 1-866-605-6183.

Learn more about Fraud Prevention and how to keep your personal information safe! 

Official Rules

No purchase or payment of any kind is necessary to enter or win this contest. A purchase or payment will not increase or improve chances of winning.

Eligibility

Town & Country Credit Union contests are open to legal residents of the United States who, as of the entry date, are at least 18 years old, unless otherwise specified. Employees, officers, directors and representatives of Town & Country Credit Union, their business affiliates, and the immediate family members of such persons are not eligible. Town & Country Credit Union has the right to require potential contest winners to show proof of identity and eligibility.

Timing

Contests begin at the time of posting for online contests and will end at the time specified by the contest post or social media page.

How to Enter

1. Fill out the form above.
2. Limit one entry per person. Duplicate accounts and entries will be disqualified. Use of any automated entry software is prohibited.
   

Prizes

The contest prize will consist of the item pictured or described above. If the item is unavailable, a prize of similar nature and value may be used instead. The prize will be available to be picked up by winner at a specific Town & Country Credit Union branch. If winner is unable to pick up the prize, it can be mailed to the winner with shipping costs paid by Town & Country Credit Union. Winner will be solely responsible for any other unspecified costs associated with prize acceptance.

Drawing; Odds; Notification

1. Following the close of the contest period, Town & Country Credit Union will randomly select one (1) potential winner from the online entry submissions unless otherwise specified by contest.
2. Odds of winning depend on the number of eligible entries received.
3. The entrant selected must comply with all terms and conditions of these Official Rules, and winning is contingent upon fulfilling all requirements.
4. Upon request, Town & Country Credit Union will provide the winner’s name.

Publicity

Except where prohibited by law, participation in the contest constitutes winner’s consent to Town & Country Credit Union’s use of winner’s name, image, and statements for promotional purposes in any manner or media (including, without limitation, online and in print) in perpetuity and without further payment, consideration, notice, review or consent, unless prohibited by law.

Conditions

1. Town & Country Credit Union reserves the right, in its sole discretion, to terminate, modify or suspend the contest if, in Town & Country Credit Union’s opinion, there is any suspected or actual evidence of electronic or non-electronic tampering with any portion of the contest, or if viruses, bugs, technical difficulties or any other factor beyond reasonable control affects the administration, security, fairness and integrity.
2. Winners will have 24 hours to confirm their prize and verify compliance with contest rules.  Failure to comply with this deadline shall be deemed to be the winner’s forfeiture of his or her right to claim a prize (without compensation of any kind) and an alternate winner will be selected from all remaining eligible entries received.
3. Individual households will be limited to winning prizes with a combined value of no more than $599 per calendar year.  
4. Winner may receive a Form 1099 from Town & Country Credit Union. Any taxes (including income, local, state and federal) and fees associated with acceptance of prizes are sole responsibility of the winner.

By participating in this contest, you acknowledge that this contest is in no way sponsored, endorsed or administered by, or associated with Facebook and Instagram and release Facebook and Instagram from any and all liability arising from or related to this contest. All contests are not sponsored, endorsed, administered by, or associated with any third party product provider or its subsidiaries or affiliates. Town & Country Credit Union and their subsidiaries, employees and board are forever and irrevocably held harmless against all claims, damages or liabilities arising in whole, or in part, directly or indirectly, from entrant’s participation and/or entry in the contest and/or entrant’s award, receipt or use of any prize awarded in the contest. The sponsor of the contest and the address at which the sponsor may be contacted is Town & Country Credit Union, 615 South Broadway, Minot, ND 58701.

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