Banking Tips & Fraud Protection


Latest Email/Telephone Scams

Fraudulent Canada Revenue Agency Scam

Fraud scams involving the Canada Revenue Agency (CRA) are on the rise. This is especially true of telephone scams where individuals are demanding fictitious outstanding tax debts.

Victims of this scam receive a phone call from a person claiming to work for CRA, who says that taxes are owed. The caller requests immediate payment by credit card and to call back immediately with the information. The taxpayer is often threatened with court charges, jail or deportation.

Anyone who gets such a call should hang up and report it to the Canadian Anti-fraud Centre.

For more information on current scams and how to protect yourself please visit:

Canadian Anti-Fraud Centre

Password/Personal Access Code (PAC)

Your password along with your account number grants you access to your personal information online and by telephone. Ensure that you use a strong password. You don't want someone else to easily guess this login information.

Choose unique passwords. Longer passwords of up to eight characters using a mix of letters and numbers are stronger.

Avoid passwords that are real words or obvious choices, such as family names, birthdays , telephone numbers or address.

Disable the automatic password save features in the browsers and software you use to access the Internet.

Install and use a personal firewall on your computer to ensure others cannot access your computer through the Internet.

Protect Your Password/Personal Access Code (PAC)

We store your login information and passwords in a protected and secure environment, which is isolated from the Internet so they cannot be accessed or downloaded by unauthorized individuals. You too should ensure that this information is kept secret and safe:

  • Memorize your password
  • Do not write it down or provide it to anyone.
  • Change it frequently

Keep Your Software Up-to-date

Ensure your computer is protected with the most recent virus protection and spyware protection software.

Protecting Yourself Against Identity Theft

Identity thieves steal your personal information and use it to obtain funds or credit in your name. Identity theft can take months to detect and it can take even longer to correct the damage caused.

Keep important information in a safe place

Only share personal information with trusted third parties

Monitor bills and statements

Ensure sensitive information is shredded when discarded

Occasionally you may wish to review your current credit bureau

Unsolicited emails OR "Phishing" emails

Be cautious of "brand spoofing" emails and Web sites that request personal or financial information. Members are led to believe the request is from a valid company when in fact it is a malicious attempt to collect information for the purpose of committing fraud including identity theft.

Me-Dian will NEVER attempt to collect personal information from you such as passwords or account numbers via email.

How does phishing work?

Members receive an unsolicited email appearing to be from a legitimate company. The email claims that a billing error or account problem has occurred or that the customer can enter a contest to win a prize. Other enticements may be used.

Members are asked to follow instructions that will take them to a website that appears legitimate, complete with a company's brand name and corporate colors.

Members are asked to provide updated personal and financial information by completing an online form. The form requests a variety of information such as credit card numbers, account numbers, passwords, date of birth and social insurance numbers.

The email may have a risk associated with the request. For example, members are asked to submit the information or risk having their account suspended or terminated.

Tips to help you identify and respond to potential "brand spoofing" emails or websites:

  1. Never provide sensitive personal or financial information such as a credit card number, account number, driver's license number, or social insurance number in response to an email.
  2. Look for misspelled words either in the message or in the hyperlink if one is provided. "Brand spoofing" scams often contain misspelled words.
  3. If the email requests that you click a link provided in the message, check the address to help determine if it is legitimate. Sometimes, the link does not resemble the company's actual name at all. At other times, it is similar but may still appear suspicious.
  4. If a link is provided in the message, do not click it because it may take you to a fraudulent website. Instead, type the company's web address in the address bar of your browser. If you don't know the address, use a search engine and search for the company's name to help you locate it. Once on the site, search for any information, bulletins or notices that convey the same message provided in the email you received.

If you suspect you are a victim of identity theft, file a report with the police immediately.

Email and Security

You should never include account numbers, credit card numbers or passwords in an email. Only general inquiries should be sent from your home or office email address.

For your protection, we require that you "Login" when using our online banking Web site and recommend that you "Logout" when you are done. You should never leave your computer unattended while logged in.

We recommend that you close your browser after using your online banking to view your account history or to complete financial transactions. This will ensure that any information temporarily stored in your browser is erased, preventing others from viewing this information later. This is particularly important when using common or public computers such as at a library, Internet café, or school.

For more information on current scams and how to protect yourself please visit:

Canadian Anti-Fraud Centre

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