FWCCU Fraud Alert: Keep Your Money and Info Secure

Protect Yourself from Fraud: What Every Member Needs to Know

At Fort Worth City Credit Union (FWCCU), your security is our top priority. Feeling secure with your money also means keeping your personal info safe. And right now, one of the biggest threats members face comes from fraudsters pretending to be us.

Yep, you read that right. Scammers are getting smarter. Lately, they’ve been posing as our Fraud Department, trying to trick members into giving away personal details. Let’s look at how the scam works, the warning signs, and the best ways to protect yourself.

The “Fraud Department” Scam

The ‘Fraud Department’ scam usually starts with a call or text claiming there’s a problem with your card. The scammer says they need you to confirm a suspicious charge and the number on your caller ID might even look like it’s coming from us.

That trick is called spoofing, and it’s one of their go-to moves. No matter how real it seems, they’ll eventually ask for information FWCCU would never request by phone, text, or email. If you’re asked to share any of the following, stop right there:

• Your digital banking username or password

• Multi-factor authentication codes

• Your Social Security number

• Debit or credit card numbers

If a call or text is asking for this info, it’s a scam. Period.

How to Spot the Red Flags

Fraudsters are creative, but the warning signs are surprisingly consistent. Watch for:

Urgency: “Your account will be locked unless you confirm now!”

Fear tactics: “There’s a huge unauthorized charge on your card.”

Suspicious links: A text urging you to click a link to “verify your account.”

Requests for sensitive data: Anything related to passwords, codes, or account numbers.

If your gut tells you something feels off, trust it. Hang up, ignore the text, and call us directly using the number on our website not the one the scammer gives you.

What FWCCU Will Never Ask For

We’ll never call, text, or email asking for:

• Digital banking login details

• Security codes sent to your phone

• Full Social Security number

• Debit or credit card numbers

We might reach out about unusual account activity, but we’ll never pressure you into handing over personal details.

How You Can Stay One Step Ahead

Fraud prevention and online banking safety is a team effort, and you’re the MVP of your own security. Here are a few easy ways to stay safe:

1. Set Up Account Alerts

Enable fraud alerts and notifications through your mobile banking app or bank app. You can get alerts for when your balance drops, a transaction posts, or someone logs into your account. High-risk actions, like password changes, will trigger notifications so you can spot unauthorized transactions early.

2. Keep Your Credentials Private

Never share your login credentials, passwords, or multi-factor authentication codes, even with someone claiming to be from FWCCU. Real employees will never ask for this information.

3. Verify Before You Trust

If you get a suspicious phone call or message, hang up and call FWCCU directly using the number on our website. Avoid calling numbers or clicking links provided in texts. Public Wi-Fi networks can be risky, so only use secure connections for digital banking.

4. Use Strong Security Habits

Regularly update your passwords, use unique logins for different accounts, and enable multi-factor authentication. Avoid sharing sensitive data over unsecured channels. These small steps make a big difference for identity theft protection and reducing financial loss.

5. Stay Educated

Digital banking fraud evolves constantly. Stay informed, bookmark our Avoid Fraud page and review tips for financial security and online banking safety regularly.

Why Your Awareness Matters

At the end of the day, you’re the best defense against fraud. Every precaution you take helps keep your account information, and our community, safe. By staying informed and cautious, you can protect your money, your information, and the people around you from fraud.

FWCCU is here to protect your money, your information, and your trust. Together, we can stop scammers in their tracks.

Final Takeaway

Scammers can spoof our number, but they can’t fake our values.

We’ll never ask for your login details, passwords, or security codes.

If it feels suspicious, trust your instincts and call us directly.

Financial security works best when we work together. We appreciate you taking steps to keep your money and information safe.

Remember: Using your mobile banking app, enabling account alerts, and practicing online banking safety are the best ways to avoid scams and stay secure in today’s digital world.