We know you work hard for your money and want to keep what you’ve earned safe. That's why we've gathered resources to help you stay informed and protected.
Each year, scammers and identity thieves steal billions of dollars from consumers. They use various methods to steal information or trick consumers into handing over money. Learn about different types of fraud, scams, and cybercrimes and how you can avoid them. As always, trust that you can contact us if something doesn’t feel right.
Common Types of Scams
Imposter Scams
Scammers may pose as a friend, family member, or official, claiming they need money for an emergency like paying a hospital bill or posting bail. They may not only ask you to transfer money, but they may even ask for gift cards.
Check Washing
Scammers steal checks from mailboxes and use chemicals to erase the ink, allowing them to alter names and amounts. If you’re expecting a check, retrieve your mail promptly to reduce the risk.
Prizes, Sweepstakes, and Lotteries
Scammers may claim you’ve won a prize or lottery, then ask for money or account details to claim it. Real sweepstakes are free, and taxes aren’t reimbursed from the winners’ money.
Phone Scams (Spoofing)
Scammers disguise their number to appear as a trusted source. Most often, they pretend to be your bank claiming there’s an issue with your account.
Other types of scams on the rise include investment fraud, online job scams, and QR code scams.
Protect Yourself from Fraud & Scams
Here are several ways to protect yourself from fraud and scams.
Protect Your Identity
Never share account information including your online banking login, account numbers, Social Security number, or PINs.
Avoid giving out personal information over the phone or email unless you’ve verifed the source is trustworthy. Be sure to secure your mail and properly dispose of sensitive information.
Monitor Your Accounts
Most of our accounts include free eStatements. If you notice something suspicious, report it immediately. You may also be able to set up text or email alerts on your debit and credit cards.
Choose Strong Username & Passwords
Never use the same password or username for multiple accounts. Strong passwords and usernames use a string of random letters, numbers, and symbols. It is also good practice to update your passwords regularly.
Additional Resources
Ensuring your privacy means following best practices to protect all of your personal and confidential information. In addition to our tips, please refer to these resources for further ways to protect your financial information.
- Learn How to Recognize and Report Spam Text Messages
- NCUA Fraud Prevention Center
- Report Identity Theft on IdentityTheft.gov
Ways to Report Fraud or Lost or Stolen HNCU cards
Report Fraudulent Use or Block Cards for VISA® Debit Card or Mastercard®:
Lost or Stolen VISA® Debit Card or Mastercard®:
(303)-451-1146 (Day)