Fraud Prevention Center

Protecting yourself and your finances starts with being vigilant about how you handle, share, and safeguard your sensitive information.

A few important reminders to keep in mind:

• Always use caution when asked for personal information.
• Always know who you are speaking with when discussing personal information.
• Never give your Social Security number or PINs over the phone or via email.

Take advantage of Card Management, an easy-to-use tool in Online Banking and HRCU's Mobile App, that helps prevent fraud by controlling when, where, and how your debit and credit cards are used. 

Here are some additional resources to help protect yourself against fraud:

To Read:

• Programs To Help Protect Your Passwords (Article from HRCU)
• Scam Awareness (Article from Social Security Administration)
• What Scams Have Been Reported in My Area? (Interactive Map from AARP)

To Watch:

• How To Report Fraud (Video from FTC)
• Keeping Kids Safe Online (Video from FTC)
• The Fastest Way to Spot a Scam (Video from FTC)

If you're an HRCU Business Member, this article from Shred-It has some additional tips to protect your business from fraud.

If you have any questions, or believe you are a victim of fraud, contact HRCU's Member Support team immediately. We are here to help. 

Protect your HRCU credit and debit cards with these everyday precautions:

• Shop only on reputable websites when making online purchases.
• Keep your computer protected with up-to-date antivirus, spyware, and malware software—and secure your home Wi-Fi with a strong password.
• Avoid entering account information on public computers or unsecured networks.
• Never allow your account number to be written on checks or unrelated documents.
• Don’t share your account number over the phone, even if the caller claims it's for a prize or reward.
• Store your cards in a secure place and check often to ensure they’re not missing.
• Sign your new cards immediately in permanent ink.
• Use your driver’s license for identification, and never leave your credit or debit card as a security deposit.
• Report lost or stolen cards immediately.
• Never carry your PIN or write it on your card, and avoid using easily guessed numbers like your birthdate.
• Monitor your accounts weekly for unauthorized transactions.
• Review your credit reports regularly to catch signs of identity theft—visit annualcreditreport.com for free access.
• Only carry the cards you plan to use; leave the rest in a safe place.
• Check for card skimming devices at ATMs and gas stations.

If you have any questions, or believe you are a victim of fraud, contact HRCU's Member Support team immediately. We are here to help.

Bookmark this page! We update it regularly with news of the latest scams reported by members, financial watchdogs, and industry experts.

Read the latest on consumer scams, as frequently reported by the Federal Trade Commission (FTC). 

To Read:

• Common Phone Scams
• Being Cautious About Romance Scams
• Is a Real Federal Agent Calling Me?
• What to Look Out for in Text Scams
• What to Know About Cryptocurrency Scams
• How to Talk to Your Kids About Scams

To Watch:

• Income Scams – FTC (YouTube)
• Work From Home Scams – FTC (YouTube)
• Tech Support Scams – FTC (YouTube)
• Identity Theft Targeted at Children – ABC News
• Craigslist Car Scam – Julie Watts Investigates

If you have any questions, or believe you are a victim of fraud, contact HRCU's Member Support team immediately. We are here to help.