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Fraud and ID Theft Awareness

Stay Alert! We’re here to help.

Scammers are constantly finding new ways to target consumers through phone calls, emails, text messages, and online activity. By staying informed and taking simple precautions, you can help protect your personal and financial information. Review the tips and resources below to learn how to recognize common scams, secure your accounts and devices, monitor for suspicious activity, and report fraud if you become a victim.

Don’t Share Information

Don’t give out personal or financial information unless you initiate the call. Your financial institution or any reputable company will not ask for this information over the phone, through email, or via text.

When in doubt, call to verify the request via a known phone number, email address, or website. 

Beware of Phishing Scams

Phishing is when scammers pose as a company, credit union, or bank to get you to divulge personal or financial information. Use caution when emails or texts ask for personal information, especially if the request is urgent. Don't click on links or download attachments from unknown senders.

Sign Up for Alerts

An easy way to spot unusual activity in your accounts is to sign up for alerts in online and mobile banking so you will be notified when a transaction above a specific dollar amount is made, or when money is withdrawn.

Secure your Mobile Device

Install the latest software updates on your phone, tablet, and computer as they often include security patches against new threats. Use a passcode, fingerprint, or face recognition as an added layer of security on all devices.

Monitor Accounts & Credit Cards

  • Review financial and credit card statements and your credit report regularly for unauthorized or suspicious activity.

  • Request a free credit report through the three leading agencies: Experian, Equifax, or TransUnion at the official website, www.annualcreditreport.com.

If you Suspect Fraud or Attempted Fraud.

If you suspect you've fallen victim to a scam or were targeted by a scammer, report the incident to local law enforcement, your financial institution, and the Federal Trade Commission. Monitor your credit report regularly and consider placing a freeze or fraud alert on your credit report to avoid unauthorized activity. See the section below for addtional resources.  

Additional Resources

To learn more, or to report suspected fraud or an attempted fraud, use these trusted resources to report the incident and explore your options.

  • Report scams and fraud directly to the Federal Trade Commission.

    Visit the site HERE.

  • Get a personalized recovery plan if your identity has been stolen.

    Visit the site HERE.

  • Review your credit reports and place a fraud alert or freeze.

    Visit the site HERE.

  • Reach out to SMEFCU directly, we are here to help.

    Get in touch with us HERE.