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Social Engineering

Have you given your personal information to anyone recently? Social engineering can happen through a phone call, text message, email, or in-person. These communications are designed to get you to do something, such as clicking on a link, entering your information into a website, or making you think something is wrong and that they have the solution. The messages typically create a sense of urgency.

How do fraudsters do it?

  • They can get your personal information from data breaches, social media, or by theft to name a few.
  • They use the information to build a profile and socially engineer you.
  • One of the more common social engineering scams we see takes place over the phone or text message.
  • A member might receive a text claiming to be from the Fraud Department, asking you to verify recent charges on your account.

What can I do?

  • The best thing to do when someone calls you claiming to be from the credit union is to hang up and call Gesa’s Member Contact Center at (888) 946-4372.
  • Gesa will never ask you over the phone for your full account number, online banking username, online banking password, ATM, debit, or credit card pin, CV2 (the 3 digit code on the back of your card), or your expiration date.

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Notes & Fees Glossary

 Disclaimer
*APY* APY = Annual Percentage Yield. Rates, terms, and fees are subject to change. APY is accurate as of the first day of the month – the last dividend declaration date.
SmartPlus Checking*To earn the higher rate, you must:
  1. Enroll in eStatements
  2. Make a monthly direct deposit of over $200
  3. Complete 15 debit card transactions
  4. Provide and maintain a valid email address
  5. Limit one account per member
For any month where the account does not meet the qualification requirements, the account will earn a lower rate. Minimum balance of $5 needed to open.Qualifying account balances meet minimum requirements. APY subject to change monthly. Rate may change after the account is opened. The qualifying period begins with the first day of the calendar month and ends on the last day of the calendar month at 6:00 P.M. Pacific Time. No monthly fees and no minimum balance required to maintain account. Minimum opening deposit of $5. Fees could reduce earnings. Limit of one specialty checking account (Smart Plus Checking) per member.

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