Fraudulent Emails & ID Theft

Examples of Fraudulent Email & ID Theft

We have examples that members and non-members have reported receiving to help you.


The term "smishing" is a combination of "SMS" and "phishing." Smishing involves receiving text messages at your expense. Although the messages are typically brief, they will often ask you to visit a website or dial a phone number.

Smishing is an attack for personal information. Smishing does not originate from North Island Credit Union. Please forward any messages received to [email protected]. Do not visit any website URL in a smishing message. We also recommend you inform your cellular provider. This allows them to take preventative measures against these types of attacks.

Smishing Text Message Example:

smishing text message


Member and non-members alike may receive fraudulent emails claiming to be from North Island Credit Union.

Criminal third parties called "phishers"  (pronounced "fishers") send these emails. The goal is to lure you into disclosing confidential and personal information. Examples of personal information phishers may be after include:

  • Passwords
  • Credit card numbers
  • Account numbers
  • PIN codes
  • Social security numbers

Phishers engage in two forms of identity theft:

  1. Impersonating North Island's identity
  2. Trying to steal your information to impersonate your identity

A phishing email will generally follow one of a variety of possible themes:

  • Threatens to close your account, states your account is already closed, or states that there has been fraudulent activity on your account, and asks for immediate action by requesting personal information via a linked website
  • Offers you a chance to take part in a survey with a monetary reward if you enter your personal or account information via a linked website
  • Asks for personal information directly in the email, possibly in a form within the body of the email itself


phishing email example

phishing email example

phishing email example


The term "vishing" is a combination of "voice" and phishing. Vishing is a criminal practice. It involves calling victims or soliciting them by email to call a phony telephone number. Callers reach an automated recording designed to steal information.

Vishing messages may say a variety of things to get your information, including:

  • Your card has been disabled and needs to be reactivated
  • Unusual or fraudulent activity has taken place on the card or account

They could be after credit card numbers, account numbers, or other information.

Protect yourself. Be highly suspicious any time you receive messages asking for sensitive personal or financial information. If you receive a phone call, hang up immediately and contact North Island. You can verify the validity of the message with us.


vishing email example

Our Practices

Please note that it IS NOT our practice to:

  • Ask you to provide us with your electronic banking credentials (username and/or password)
  • Threaten to close your account if you do not take immediate action providing personal information
  • Send emails asking you to reply with personal information
  • Require you to enter personal information directly into an email

It is our practice to proactively and aggressively evaluate any fraudulent emails or calls claiming to be from North Island Credit Union we become aware of. We work with domestic and international law enforcement to shut down this criminal activity. We also provide resources to help you become more aware of the issue.

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