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Privacy & Security
Overview Identity Theft Online Security Fraud

The "Nigerian" Email Scam

Con artists claim to be officials, businesspeople, or the surviving spouses of former government honchos in Nigeria or another country whose money is somehow tied up for a limited time. They offer to transfer lots of money into your bank account if you will pay a fee or "taxes" to help them access their money.


Email or pop-up messages that claim to be from a business or organization you may deal with – say, an Internet Service Provider (ISP), bank, online payment service, or even a government agency. The message may ask you to "update," "validate," or "confirm" your account information or face dire consequences. Pawtucket Credit Union will never send you an email asking for this information unless you have initiated the request.

Check Overpayment Scams (Fake Check Scams)

A response to your ad or online auction posting, offering to pay with a cashier's, personal, or corporate check. At the last minute, the so-called buyer (or the buyer's "agent") comes up with a reason for writing the check for more than the purchase price, and asks you to wire back the difference after you deposit the check. It's a phony story but might take awhile to discover. Once discovered, your bank wants the money back. The bank is required by law to give you access to the deposited funds within a few days, but they can't be sure the check is valid by then. The responsibility rests on you for the checks or money orders that you deposit.

Pay-In-Advance Credit Offers

News that you've been "pre-qualified" to get a low-interest loan or credit card, or repair your bad credit even though banks have turned you down. But to take advantage of the offer, you have to ante up a processing fee of several hundred dollars.

Debt Relief

Emails touting a way you can consolidate your bills into one monthly payment without borrowing; stop credit harassment, foreclosures, repossessions, tax levies and garnishments; or wipe out your debts.

Investment Schemes

Emails touting "investments" that promise high rates of return with little or no risk. One version seeks investors to help form an offshore bank. Others are vague about the nature of the investment, but stress the rates of return. Promoters hype their high-level financial connections; the fact that they're privy to inside information; that they'll guarantee the investment; or that they'll buy it back. To close the deal, they often serve up phony statistics, misrepresent the significance of a current event, or stress the unique quality of their offering. And they'll almost always try to rush you into a decision.

Visit for more information on eMail Scams.
Never send sensitive information via regular unsecured email. Pawtucket Credit Union has secure email available within Online Banking. Should you need to contact the Credit Union with account specific questions, call or secure email us with your concerns and contact information. We'll respond using the necessary security precautions.

Pawtucket Credit Union employs a number of powerful security measures to protect you online.

Secure Site

Our web site address begins with "https://" which means your session is secure and your transactions will be encrypted using the latest encryption software technology. A "lock" icon will appear in the bottom right hand corner of your screen or in the address bar of your browser window - both are indications that you've entered a secure site.

Secure Logins

Each time you sign in to your online banking account via you’ll be asked to provide a user ID and password.

Online User ID Change

You may change your user ID or password at any time by clicking on Preferences and then Security within Online Banking. We strongly recommend you make both your user ID and password something that is known only to you and is easy to remember. To keep them secure, do not share them with anyone.

Time Out Sessions

If you leave your computer unattended or forget to exit, we will automatically end your online banking session after a few minutes. We refer to it as a "time-out" and another way we work to keep your information safe and secure.

State-of-the-Art Encryption Technology

Information exchanged within Online Banking is encrypted for your protection. Encryption is the process by which information is translated into un-interpretable code and then back into a recognizable form.


Our data systems are protected by firewalls that are set up between our system and the Internet.

Product Specials
ncua Your savings 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.
© 2012 Pawtucket Credit Union, 1200 Central Avenue, Pawtucket, Rhode Island 02861
Pawtucket Credit Union is an Affirmative Action / Equal Opportunity Employer.
401-722-2212 or 800-298-2212 equal housing logoEqual Housing Lender. Equal Opportunity Lender.