Fraud Prevention & Alerts

at ALLIANCE Credit Union

Protect yourself and your accounts.

We’ll work together to safeguard your accounts

Technology’s convenience requires you to be vigilant. When it comes to fraud, electronic channels are the popular pathway for scammers. We’re here to help.

Here’s What We Promise Never To Do:

We will never call and ask for your account number.
We will never email you directing you to a website to “verify” your personal or account information.
We will never text you directing you to call a number to “verify” your personal or account information.
We will never ask for your password or PIN.

If you receive these types of communications from someone purporting to be from ALLIANCE, you are dealing with a scam artist. DO NOT REPLY TO THESE REQUESTS.

If you believe you’ve been a victim of fraudulent activity, call our Contact Center immediately at 806.798.5554 or 800.687.4328.

Here’s What We May Do:

At times we may notify you of a suspicious transaction and request your verification of this transaction.
You may receive a text, call, or email notifying you of potential fraudulent activity.

We’ll help you cancel any compromised card, change your account numbers, and add password protection to your account for future transactions.

If your compromised information includes your Social Security number, we strongly urge you to contact one of the three major credit bureaus (Equifax, Experian and TransUnion) and place a fraud alert on your credit report.

Review your credit report at least once a year to look for unauthorized accounts that are opened in your name. Receive a free credit report from each of the three major credit bureaus at www.annualcreditreport.com.

types of fraud

credit & debit cards

Credit and debit card fraud generally occurs when people get their hands on your cards or card numbers. Here’s how to protect yourself:

Review your card statement as soon as possible. Match charges with your receipts to ensure all charges are yours and are for the correct amount.
Always sign a new card immediately.
Only travel with the cards you plan on using.
Never give the account number of the card over the phone unless you initiate the call.
Control your cards remotely using our Mobile App.

checks

Check-cashing fraud happens when somebody uses information taken from your checks. Follow these tips to protect yourself:

Limit the amount of personal information printed on the checks to your name and address.
Don’t leave your bill payments sitting in an unlocked mailbox for pickup.
Consider alternatives to check writing. For instance, paying by phone, online, or setting up automatic payments.

atms

ATM fraud can occur if you lose your card, give your card to someone else to use, or when your Personal Identification Number is compromised. Consider these points:

Never use your date of birth, Social Security number, license number or street address as a PIN — those are the first numbers a crook will try.
Always make sure to retrieve your ATM card from the machine when the transaction is complete.
Review your statement promptly to ensure all transactions are accurate. Report any discrepancies immediately.

internet security

Phishing is an online scam in which email spam or pop-up messages are used to trick you into divulging personal or financial information over the internet. Therefore, consider this:

If you get an email or pop-up message that asks for personal or financial information, do not reply. And don’t click on the link in the message, either.
Never give your personal information via e-mail.

phone security

Impersonator Scam: Scammers can make it look like they are calling from ALLIANCE, saying they are an ALLIANCE employee to gain your trust and ask you for information to gain access to your accounts. If you are unsure if you are speaking with an ALLIANCE Employee, hang up the phone and call us directly at 800.687.4328. Stay vigilant and keep your accounts and personal information secure.

Vishing scam: Similar to phishing, it involves a spam email or pop-up message telling you that your account has been compromised and instructing you to call a phone number to verify your account information. Here’s how to avoid it: