Here are some trending and seasonal threats experts pinpointed:

1. Out of footprint activity.

Credit unions will start to see out of footprint activity because many college students head out of town for school.

"We like to encourage credit unions to encourage members to keep contact information updated so we know where people are, and where they are transacting and doing activity. It's very important to do that," John Buzzard, strategic technical fraud account executive for the Rancho Cucamonga, Calif.-based CO-OP Financial Services, said.

The main goal of fraudsters is to mimic legitimate cardholder activity. Therefore, anytime members are away for an extended period of time, notifying issuers helps them detect potentially fraudulent transactions.

Criminals today regularly purchase card numbers based on zip codes and use them to create counterfeit cards within those same zip codes. When card issuers can't tell the difference between legitimate and fraudulent card activity, it creates a huge problem.

Buzzard also said credit unions have a great opportunity to educate their members about school relocation or extended travel notifications.

"It's a process where you notify your card issuer that you plan to be out of your normal area for a time so they could be aware of it for fraudulent activity," he said.

2. College student scams.

Students with new emails and a modest level of technology experience are prime targets for fraudsters as well. And their attacks might take on various forms.

Scammers may try to take advantage of the influx of new students by luring new laptop owners with fake Microsoft security emails and calls, or impersonating new schools to steal personally identifiable or sensitive personal information.

Credit card credential theft can also increase as students try to save money by buying books from alternative dealers and sites, Kubler warned. Outright textbook piracy may also come with free viruses and other malware.

Then there is tuition wire fraud, which attempts to coax money out of victims by convincing them they have an unpaid tuition bill.

3. Bogus email and phishing schemes.

During the back-to-school months, criminals are likely to instigate a common email fraud scheme that involves sending a message that promises a reward, such as a gift card from a major retailer. Criminals ask their victims to complete a survey, which includes the inputting of personal information such as home addresses, Social Security numbers and birthdays. Once the fraudsters have enough details, they use the survey applicant's data to apply for credit cards.

Another cybercriminal scheme is to obtain teachers' credit union email lists so they can hit members with spear phishing attacks, which ask members to update their information and then lures them to fake pages designed to capture usernames, passwords and personal credentials.

Read a full account of fall fraud issues in the Aug. 17, 2016 print issue of Credit Union Times.

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