A new year is a great time to build better money habits. It is also a time when scammers increase their activity. As people check accounts, shop online, and handle tax paperwork, fraudsters try to catch them off guard.
The good news is that your credit union’s digital banking tools are designed to help protect you. Knowing how to use them can make a big difference.
Common Scams to Watch For
Many scams rely on urgency to get quick action. Common examples include:
- Fake bank alerts saying there is a problem with your account
- Texts or emails asking you to “verify” your login or card information
- Tax scams asking for payment or personal details
- Job or side-hustle offers that sound too good to be true
If a message pressures you to act right away, stop and take a moment.
How Digital Banking Helps Keep You Safe
Your digital banking account includes built-in security features to help protect your money:
- Account alerts let you know about transactions, balances, or changes right away
- Secure login tools, like one-time passcodes and device recognition, help make sure it is really you accessing your account
- Debit card controls allow you to monitor activity and take action quickly if something looks wrong
- eStatements reduce the risk of lost or stolen mail
These tools work best when your contact information is up to date, so you receive alerts and security messages without delay.
What Your Credit Union Will Never Ask For
To protect your accounts, it is important to know what we will not request. We will never ask for:
- Your online banking password
- Your debit card PIN
- One-time security codes sent to your phone or email
- Your full Social Security number by text or email
If someone asks for this information and claims to be from your credit union, it is a scam.
What to Do If Something Feels Off
If you receive a suspicious call, email, or text, do not click links or reply. Instead, contact us directly using the phone number on our website, your statement, or the back of your debit card.
Digital banking offers convenience and strong protection, especially when you use its security features. When in doubt, slow down, stop, and verify. We are always here to help you bank with confidence.