Target Compromise

UPDATE: 1/10/2014 4:46 P.M. — Target has just disclosed that personal information from an additional 30 million Target customers may have been included in the data that was stolen during the breach period. According to Target’s release, the data in jeopardy for the additional 30 million customers DOES NOT include account number information. Target states that the names, mailing addresses, phone numbers and email addresses of the additional customers were exposed in part or in whole.

Target experienced unauthorized access to payment card data that may have impacted guests who made credit and debit card purchases in its U.S. stores between November 27 and December 15, 2013.

Target determined the information involved in the incident included customer name, credit or debit card number, the card’s expiration date and CVV (the secret code on the magnetic stripe). Though reports have surfaced that encrypted PIN data was stolen, Target maintains that the PIN data was not compromised because of the strong encryption. Based on the information received to date, we do not believe that affected members are at risk of PIN-based fraudulent transactions.

All Schools Visa® cardholders* are protected with Visa’s Zero Liability Policy, which means you pay nothing if fraudulent activity occurs on your card. Please review your account activity carefully and notify the Credit Union immediately if you notice any suspicious charges. We encourage you to monitor account activity in real time with SchoolsOnline,SM Mobile Banking and eAlerts. In addition, using eStatements for your checking account and Visa eStatements allows you to view and save up to seven years of account statements online anytime.

Schools is committed to protecting member information. Our Visa accounts are carefully monitored for suspicious activity, and we will contact you immediately if we suspect fraud. The information that was compromised does not open you up for identity theft based on what we know today.

Members should feel safe to use their Schools Visa and Visa Check Card anywhere Visa is accepted. If you would like more information, please refer to our Frequently Asked Questions. 


Rochelle Smith
Vice President Audit & Security


Frequently Asked Questions

I shopped at Target during the time period that data was accessed. Am I at risk?
If your credit or debit card information was compromised, it does not mean that you are going to experience fraud. We have systems in place that monitor your Visa activity and we were recently notified that Visa USA is taking extra steps to monitor all Visa accounts involved.

If my card was affected, what do I do?
If your card was affected, the Credit Union will notify you. We encourage you to closely monitor your account activity and contact the Credit Union immediately if you do not recognize a charge on your account.

Do I need to cancel my card or change my PIN if I shopped at Target?
You do not need to cancel your card or change your PIN unless you have been a victim of fraudulent activity. Because your card was compromised does not mean you will experience fraud. Schools has systems in place to monitor suspicious activity on your account, and Visa USA has security software monitoring all Visa accounts involved.

Should I be worried about identity theft if my card was compromised?
There is no risk of identity theft based on the compromised data. We still encourage you to obtain a copy of your credit report annually to ensure your credit information is correctly reported. Visit or call 1-877-322-8228 for a FREE credit report.

Has Target released additional information?
Target’s CEO has released a message to its guests.

*Visa's Zero Liability Policy covers U.S.-issued cards only and does not apply to commercial credit cards, ATM transactions or PIN transactions not processed by Visa.