FRAUD MONITORING, DETECTION, AND PROTECTION

The best way to deal with fraud is to prevent it from happening in the first place.

At SCU our goal is to minimize your risk of being the victim of fraud on your credit union accounts. To protect your account, we monitor all debit card and ATM transactions for potentially fraudulent activity through our dedicated Fraud Protection Program. Possible fraudulent activity may include a sudden change in location, a string of costly purchases, or any other pattern associated with new fraud trends.

If our fraud monitoring agency suspects fraudulent activity on your debit or ATM card, you will be contacted first by email. If you have opted in to receive text message notifications¹, you will receive a text message with details about the suspected transaction. The text will come from a 5-digit SMS code.

A valid notification from us will provide information about the suspect transaction and ask you to reply to the text message with answers such as ‘yes ‘or ‘no’ and will never include a link.

If fraudulent debit card use is suspected on your SCU account and we cannot reach you by email or text message:

• You will receive a call from us to validate the legitimacy of your transaction(s).
• This will be an automated message.
• We will attempt to call you twice. If we cannot get a hold of you, a letter will be mailed to the address we have on file.
• Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your debit card.
• The automated message will ask you to verify your identity and provide your 5-digit ZIP code. NO PERSONAL information will be asked.
• You will be able to respond via your touchtone keypad.
• If you confirm that a transaction is fraudulent, you will be transferred to an associate who will ask questions to confirm your identity before going through your transactions.
• You will also be provided a toll-free number to call should you have additional questions.

To ensure we can continue to reach you whenever potential fraud is detected, please always keep us informed of your correct phone numbers (cell, home, and work) and address.

If you believe you received fraudulent text or email message…

Please contact us immediately at 888-599-2265. We will be more than happy to assist in making sure your accounts and cards are protected.

To reach our fraud monitoring service, call us toll-free at 833-735-1894. For your security, you will be asked to:

1. Verify recent transaction activity on your card
2. Enter in your 5-digit zip code to verify your identity
3. If you have additional questions, you will be directed to a call center agent