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Protecting Yourself from Fraud and Identity Theft

Fraud and identity theft continue to affect people of all ages, and scammers are constantly finding new ways to target personal and financial information. Protecting our members’ financial security is a top priority. Knowing how to recognize warning signs and take preventative steps can help you stay one step ahead of fraudsters.

Common Types of Fraud and Identity Theft

Phishing Scams

Phishing scams often come through emails, text messages, or phone calls that appear to be from a trusted company or financial institution. These messages may ask you to click a link, provide personal information, or verify account details. Always be cautious of unexpected messages requesting sensitive information.

Card Fraud

Fraudsters may attempt to steal debit or credit card information through compromised websites, card skimmers, or unauthorized transactions. Monitoring your account activity regularly can help you quickly identify suspicious charges.

Identity Theft

Identity theft happens when someone uses your personal information, such as your Social Security number or account details, to open accounts, apply for loans, or make purchases in your name.

Online Shopping Scams

Fake websites and fraudulent online sellers can trick consumers into sharing payment information or purchasing products that never arrive.

Tips to Help Protect Yourself

Monitor Your Accounts Frequently

Review your transactions regularly through ICCU online banking or the mobile app. The sooner suspicious activity is identified, the faster action can be taken.

Use Strong Passwords

Create unique passwords for your accounts and avoid using easily guessed information like birthdays or names. Consider using multi-factor authentication whenever available.

Be Careful with Links and Attachments

Avoid clicking suspicious links or downloading attachments from unknown senders. Scammers often create messages that look legitimate to gain access to your information.

Protect Your Personal Information

Never share sensitive information such as account numbers, passwords, verification codes, or Social Security numbers unless you are certain you are communicating with a trusted source.

Keep Your Devices Updated

Regular software updates help protect your devices from security vulnerabilities and malware.

Shred Sensitive Documents

Properly dispose of financial documents, receipts, and personal information before throwing them away.

How ICCU Helps Protect Members

ICCU offers tools and services designed to help members stay secure, including fraud monitoring and the ability to lock debit and credit cards directly within online banking or the mobile app if suspicious activity occurs.

Our team will never call, text, or email asking for your online banking password, full card number, or secure verification codes. If something feels suspicious, contact ICCU directly using a trusted phone number.

What to Do If You Suspect Fraud

If you believe your information or accounts may have been compromised:

  • Contact ICCU immediately

  • Lock your debit or credit card within online banking or the mobile app

  • Change your passwords

  • Review recent account activity

  • Monitor your credit report for unusual activity

Taking quick action can help minimize potential damage and protect your finances.

Stay Alert and Stay Protected

While scams continue to evolve, staying informed and cautious can go a long way in protecting your financial information. ICCU is committed to helping members stay safe and confident when managing their finances.

If you ever have concerns about suspicious activity or potential fraud, our team is here to help.

Isabella Community Credit Union