Security & Fraud

Learn how to protect your accounts and report scams, fraud, or identity theft.

Report Fraud

Call 260-484-2102 immediately if you feel your account has been compromised or if you have been a victim of fraud. Protect your community by also reporting it to the Federal Trade Commission.

Report to the FTC

If You Become a Victim of Fraud

  • Notify Us Immediately

    Let us know of these suspicious activities. Ask to have your account numbers, PINs and passwords changed immediately.

  • File a Report with the Police

    Obtain a copy for your records.

  • Keep Documents

    Document what happened, when it happened and to whom you spoke.

Protect Your Children From Identity Theft

Young people are easy targets because the theft may not be realized until years later, when the victim tries to open a new bank account or apply for his or her first credit card.

Warning signs include: pre-approved credit card offers; bank, credit card or other financial statements in your child’s name that you don’t recognize; collection agency notifications in your child’s name.

Good Practices for Preventing Identity Theft

Credit Lock

You may choose to place a “fraud alert” lock on your and your child’s credit reports through the three major credit bureaus: Equifax, Experian, and Transunion.

Online Risks

Be aware of website and e-mails scams. Fraudsters take advantage of modern communication tools to avoid “face to face” contact. Victims are asked to send money using money transfer services, including those offered by your credit union. Never use e-mail links to provide your information.

Phone Risks

Scammers may contact members over a series of phone calls to build a rapport and convince them to send money. Scammers also have the ability to spoof phone numbers so the call appears to be coming from your credit union. We will never ask for your personal information, such as your debit card number, account number, or passwords; access to your computer; or for you to wire money over the phone.

Insurance Fraud Risks

Holds are placed on certain checks to ensure clearance at the issuing financial institution. This safeguard is aimed to mitigate risks to both our members and the Credit Union.

Two-Factor Authentication

Unfortunately, a password isn’t enough to keep your information safe from cyber-attacks. A simple way to combat this is by turning on two-factor authentication where it’s available. When you access your FPCCFCU accounts through It’s Me 247 Online Banking, any change you attempt to make to your personal information will require a code sent via email or text.

Text Scams

Beware of text messages claiming to be from Summit Choice Credit Union. While we may send our members texts, we will never ask for your passwords.

FAQs

Issue stop payments on each check and come in to one of our locations to close the compromised account and open up a new account.

Contact your local Bureau of Motor Vehicles.