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FRAUD PREVENTION TIPS

IMPORTANT FRAUD ALERT!

 

EFCU will never email, call, or text you and ask for personal information such as Digital Banking credentials, your card number, CVV or Social Security Number.

EFCU will never call you to ask for a code. A common scam involves criminals posing as members of the EFCU Fraud Department. These fraudsters inform members that they are trying to verify a suspicious card transaction, and advise the member that they will send a text message with a code that the member is to read back to the caller. This is a scam! The caller is trying to gain access to your Digital Banking information by resetting your password. DO NOT give the caller this code and never give anyone your digital banking user ID or password. Instead, hang up and report the incident to EFCU at 303-428-5080.

Please beware that Scammers can “spoof” phone numbers to make it look like they are calling from a legitimate organization, including EFCU. When verifying a call or text, dial the number listed on the organization’s website directly using your keypad.

It's easy to be overwhelmed by of all of the scams, spam and other junk you see on the Internet and in your email box. To learn how to determine what's legit and what's not, check out the Federal Trade Commission’s Scam Alerts.

The Federal Trade Commission is a government agency that works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them.

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MORE FRAUD PREVENTION TIPS

Verify First!

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Before sharing any information or sending any money, always be sure that you personally know the person requesting it.  If you are unsure, verify with a family member or friend first!

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Always Research

Do an online search of a company or product name with relevant words like "scam" or "claim" or even phrases like "tax call" to review information shared. 

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Cons often mislead victims into providing personal or financial information by unsolicited phone calls, texts or emails.  Never respond to or click on links or attachments in messages from someone you do not know. 

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Know What to Look for

Fraudsters use any means to contact victims to gain your trust and then ask for money.  Never send money to someone you haven't met in person or for a payment of goods, services or purchases found online. 

 

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Never Send Money after a Check Deposit

Banks and credit unions are required to make funds from deposited checks available within days, but knowing if it's a fake check can take weeks.  To avoid being responsible, funds from a deposited check should not be used until it has officially cleared. 

If someone you don’t know sends you a check and asks for money back, that’s a scam.

Fake checks come in many forms. They might look like business or personal checks, cashier’s checks, money orders, or electronic checks. Here’s what you need to know about fake check scams.

In a fake check scam, a person you don’t know asks you to deposit a check — sometimes for several thousand dollars, and usually for more than you are owed — and send some of the money back, to them or another person. The scammers always have a good story to explain the over-payment. They might say they’re stuck out of the country, they need you to cover taxes or fees, you’ll need to buy supplies, or something else.

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