Information we'll never request
Only imposters trying to get your personal information will ask for this stuff.
Your PIN

Yes, that four-digit code to complete credit/debit purchases or used at an ATM—we never need to know that. (You might also take care to shield the keys whenever you type in your PIN.)

Your CVV code

This is the three-digit code on the back of your debit or credit card you sometimes enter for online purchases.

Your MFA code

If you have multi-factor or two-factor authentication set up (and, yes, it’s a good idea) on your device and/or for Online Banking, we will never request the code prompts from you—either on the phone, by text or on a website.

Your Online Banking credentials

Your username or password. Nope, never. If you’ve forgotten either, you can reset it without our assistance.

Your full account number

We know your account number since we assigned it to you. We don’t need to ask you for the whole thing.

Your credit or debit card number

Again, we know your card numbers and won’t have you verify the full string back to us.

Some smartphone features could leave you vulnerable

Read how using smartphone voice search and virtual assistant technology apps to look up and dial phone numbers could put you at risk for scams.

Current scams we're seeing
Let's face it. There are a lot of variations going around.
Debit card limit/card locked scam

Several folks have reported getting a text message from an email address starting with… stating a debit card is reaching its limit or in other cases a card is blocked. These are fraud. Please do not call or click on any links and block the sender.

Fraud text alert scams

Consumers does text members for things like payment reminders and instances of suspicious activity on cards (members need only respond “Y”/”N”, no links).

Fraud text scenarios

1.) Text message reporting suspicious transactions includes a case ID# and messaging indicating a fraud representative will call. The fraudster is likely trying to validate your phone number in doing this and/or load a digital wallet.

2.) You receive a text with an authentication code with a mysterious link to click if you didn’t “request” the code, which, of course, you didn’t.

Suspicious calls

Reports of an automated call mimicked from our 800# have been sent regarding a pending transaction for a charge from a merchant. While on the phone, the fraudster prompts a text code to appear on the cell phone for the person to enter on their phone.

In this scenario, the fraudster is likely trying to match your credit card # with your phone number to validate purchases and/or load your information into a digital wallet.

Juice Jacking

Cyber criminals have developed a way to install malware and/or monitoring software onto devices plugged into public phone charging stations in places like airports or malls. This malware could lead to a breach of your personal and/or financial data. Plugging your phone into a public charging station can be just as dangerous as clicking on a link within a phishing email.

Federal Trade Commission logo
Federal Trade Commission Fraud Information Website
Federal Trade Commission logo

For the latest reported scams nationwide and to learn what to do if you fall victim to a scam, the Federal Trade Commission has a really helpful site for consumers.

Check it out
Signs a great "deal" could be fraud
Golden Statuette and Stars on Yellow Background
Smiling Woman in Yellow T-shirt Holding Hands Apart
Person Holding 100 Us Dollar Banknotes
Focused young woman with credit card and laptop
Woman Sitting on Chair Beside Table While Using Phone
Person Holding Fan of Dollar Bills
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Brown Wooden Scrabble Tiles in Close Up Photography
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Use common sense

Does the reward (or payment) make sense for the task involved?

Unexpected surprise

Is this offer out of the ordinary?

You have to send money

Does this offer require sending money to someone (or a business) that you were previously unfamiliar with?

Don't go shopping

Is the ad soliciting for a “secret shopper” (a frequent scam tactic)?

Sorry, Craigslist

Do the funds originate from an offer on Craigslist? Be extra cautious if so. We see all kinds of job, romance and purchase scams on this online tool.

Learn More

Money refunds

Are you being asked to return money via wire transfer, Western Union, gift cards or other methods?

Shhh, don't tell

Does the offer specify that you’re not to tell your credit union or bank about the origins of the money?

Your grandma was probably right

Does the offer sound too good to be true? (If so, it probably is.)

Enroll in free ID theft protection

Don’t forget, as a Consumers member you qualify for Mastercard®‘s free ID Theft Protection™ program that can help monitor card activity for potential fraud.

Learn More

Fraud on credit or debit cards

File a debit or credit card dispute

If a transaction has posted to your account without your authorization, you may dispute it through Consumers Credit Union.

Before you begin a dispute, ensure the transaction is unauthorized. Some merchants’ names may appear differently in the transaction history.

Once you have started the dispute process, we will research your claim by contacting the merchant. We may need to speak with you during the process to ask clarifying questions.

Debit Card, Credit Card, ACH and Check Disputes – You may visit an office or call our Member Service Center at 800.991.2221.

Credit Card disputes can also be made within Online Banking:

  1. Log in to Online Banking. On your main dashboard, click View Account on the credit card tile.
  2. Under the Activity tab, click on the transaction that is suspicious.
  3. In the expanded transaction window, click Dispute.
  4. Follow the on-screen prompts.
Lost or stolen credit card

If your credit card is lost or stolen, please visit an office or call our Member Service Center at 800.991.2221.

To temporarily lock your credit card in Online Banking:

  1. Log in to Online Banking.
  2. On your main dashboard, click View Account on the credit card tile.
  3. Click the Card Services tab.
  4. Near the credit card image, move the toggle to the right to lock your card.

To request a new credit card:

  • Give us a call at 800.991.2221 or stop by one of our locations.
Set up credit card controls

You have the convenience to manage your credit cards from within Online Banking so you can monitor if any unusual activity occurs on your account.

You can manage turning your credit card on/off, blocking international usage, enabling transaction controls, setting spending limits, and filing a dispute.

Learn How

Voice Check

Consumers Voice Check uses speech recognition technology as an optional way to validate your identity whenever you call us on the phone.

Much like your fingerprint, each person's voiceprint is unique and cannot be replicated. Capturing your voice through our software is quick and provides additional security whenever you need account assistance over the phone.

Learn More
A woman wearing sunglasses smiles as she sings into a microphone.