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News and Information about the Target® Security Breach
At Central State Credit Union (CSCU), nothing is more important than the safety and security of member accounts. In quick response to recent news about the Target® security breach and reported concerns with other retailers, your credit union has acted swiftly to protect members and minimize risk.

Together with Visa®, we have identified CSCU credit and debit cards that appeared at risk or compromised as a result of the security breach. Members with the affected CSCU credit or debit cards are receiving a notification letter in the mail and will be issued new cards to replace the old ones.

For member protection, please note that old cards will be blocked after 30 days following the letter notification date OR automatically when the new card is activated – whichever is sooner.

Beyond the Target incident and other recent reports, please know that CSCU is on the lookout at all times, to help protect our members from fraud, actively monitoring member accounts for signs of suspicious or unauthorized activity. We also offer our members a Zero Liability policy.

And yet, our efforts to prevent fraud and the costly inconveniences of card theft are much more effective when we partner with you.

All members are encouraged to monitor their accounts regularly, to carefully review monthly statements and to report any concerns or suspicious activity immediately to a CSCU Member Services Representative. Two easy ways you can stay on top of your accounts include:

1) Register for online and mobile banking to check your balance and review transactions anywhere and at any time.

2) Sign-up to receive Online statements for faster and more secure delivery of your account statements.


For additional questions, please refer to some frequently asked questions below:

Where can I learn more about the Target breach and Target's response?



Do you know if the PIN for my card was compromised?

Target has indicated that hackers obtained PIN information, but that the information is encrypted and has not been compromised. However, CSCU recommends that you periodically reset your PIN number as a good security habit.

Should I be concerned about Identity Theft as a result of the Target security breach?

The information obtained by the hackers is not sufficient enough to jeopardize your identity. Nonetheless, CSCU encourages you to check your credit report at least once per year, and under federal law you are entitled to a free copy every 12 months from each of the three nationwide credit reporting agencies. Visit www.AnnualCreditReport.com or call 1-877-322-8228.

CSCU also offers members the Identity Secure product for credit monitoring and reports. Click here for details.

If I see fraudulent activity on my account(s), am I responsible for the losses in my account(s)?

If you monitor your accounts and report any suspicious activity promptly, you are not liable for any losses incurred. That's a great reason to review your account activity regularly.

I have a TargetREDcard® that is linked to my Central State Credit Union checking account. What should I do with this card?

Because your Target REDcard® is linked to your CSCU account, you can monitor your account activity for unauthorized transactions by using CSCU Online or Mobile banking services. If suspicious or unauthorized transactions appear, please contact us immediately. However, to deactivate your Target REDcard, you will need to contact Target directly at 1-888-729-7331.


NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government NCUA National Credit Union Administration, a U.S. Government Agency All content including look and feel copyright 2011 Central State Credit Union