From fake letters to phony texts, fraudsters are leveling up. They’re impersonating banks, spoofing phone numbers, and even sending snail mail that looks legit. But here’s the truth: you’re not powerless. You’re just one smart move away from shutting them down.
Whether you’re a digital native or just getting comfortable with Online Banking or the Mobile app, these six tips will help you dodge deception and keep your financial life secure.
The Problem: Scammers Are Getting Personal
Today’s scams aren’t just digital — they’re physical. UFCU Members have reported receiving letters that look official but are anything but. These scams often:
- Claim your account’s been compromised.
- Offer a “dedicated rep” to help.
- Include a fake phone number or name.
And that’s just the beginning. Phishing emails, smishing texts, and vishing calls are still in play. So how do you stay ahead? Consider these 6 ways to outsmart modern scams.
1. Don’t Trust the Envelope
Just because it came by mail doesn’t mean it’s real. Scammers are sending letters that mimic bank communications. If it asks you to call a specific person or share sensitive info, toss it.
2. Spot the Spoof
Scammers can fake caller IDs to look like UFCU. If someone calls asking for your PIN, password, or login info — hang up. Only share your personal details with a UFCU representative when you are the one who made the call to UFCU at its listed phone numbers.
3. Ignore Urgent Texts
Smishing scams use fear to get you to click. If a text says your account is locked or compromised, don’t tap any links. Instead, log in directly through Online Banking or the UFCU Mobile app.
4. Keep Your Info Close
Never share your login credentials, one-time passcodes, or account numbers with anyone — even if they claim to be from UFCU. Real UFCU representatives will never ask for that when they call you. Only share your personal details when you have initiated the phone call to UFCU.
5. Report Suspicious Activity
Got a weird letter, email, or call? Take a picture, and Forward email it to [email protected]. You can also can call UFCU directly at (512) 467-8080 or visit a branch. Your report helps protect the entire community.
6. Use UFCU’s Security Tools
Stay ahead of scams with UFCU’s Security Center. You’ll find fraud alerts, educational resources, and tips to keep your data locked down. Plus, set up account alerts to monitor activity in real time.
UFCU Is All In on Your Safety
UFCU isn’t just watching from the sidelines — we’re actively defending your data. Our fraud detection systems run 24/7, and our team is trained to spot threats before they reach you. With Digital Banking, you’re in control of your financial life, backed by our security-first approach.
Don’t wait until it’s too late. Visit the UFCU Security Center today and take control of your digital safety, because protecting your money starts with protecting your data.
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