Stay Safe & Smart: Protecting Your Credit Union Accounts and Personal Info

Your credit union is here to help you manage your money safely and securely—but protecting your accounts also means staying alert and making smart choices. Here are some easy ways to keep your financial information safe and get the most out of your credit union membership.

1. Keep an Eye on Your Accounts

Regularly checking your account helps you spot any unusual activity right away. You can do this in a few ways:

• Online Banking: Log in from your computer to see your transactions, pay bills, and transfer money safely.

• Mobile App: Use your credit union’s app to check balances, deposit checks, and get instant alerts on the go.

• Paper Statements: These are helpful if you prefer a hard copy—but remember to keep them in a safe place and shred them when you’re done.

Tip: Set up transaction alerts so you’ll know when money comes in or out of your account.

2. Spot and Avoid Scams

Scammers are always coming up with new tricks, but here are a few red flags to watch for:

• Unusual Phone Calls or Emails: Be cautious if someone asks for your personal or banking info.

• Fake Texts (Phishing): Don’t click on links in texts that say your account is locked or that ask for login details.

• Too-Good-to-Be-True Offers: Be wary of unexpected prizes or job offers that ask for your banking info.

If you’re unsure—don’t respond. Contact your credit union directly.

3. What to Do if You Suspect a Scam

If you think you’ve been contacted by a scammer or clicked a suspicious link:

1. Stop and don’t share any more information.

2. Contact your credit union right away—they can freeze your account if needed and help protect your money.

3. Report the scam to the Federal Trade Commission at ReportFraud.ftc.gov.

4. Use Your Credit Union’s Resources

Most credit unions offer great tools and support, including:

• Fraud protection services

• Financial education on budgeting, saving, and identity theft prevention

• Secure messaging through your online account or app

Take advantage of these free services—they’re here to help you!

5. Safely Discard Financial Information

Don’t just toss your old statements or credit card offers in the trash. Here’s what to do:

• Shred documents with personal or financial info.

• Wipe old devices before recycling or donating them.

• Use a locking mailbox or drop important mail at the post office.

Final Thoughts

Your credit union works hard to keep your money safe but staying informed and cautious is your best defense against fraud. Keep track of your accounts, be aware of scams, and use the resources available to you.

If you ever have questions or concerns—just ask! Your credit union is here to help.