The following information has been provided to help protect you from the many types of financial fraud and identity theft. Select a topic below to learn how to identify a fraud or scam, how to protect your personal information and how to report it if you have become a victim of fraud.
What You Can Do To Protect Yourself
- We always encourage members to take extra caution when it comes to protecting their identity. DO NOT give out your personal or account information to anyone if you feel unsure of the communication.
- CMCU will not call and request personal or account information like your digital banking password or debit/credit card CVV or PIN. Never share this information. If you are suspicious, hang up and call CMCU directly at (888) 330-8482.
- Fraudsters can copy phone numbers, like CMCU's 888 number. Even though it may appear that CMCU is calling, if account access information is requested, hang up and contact us directly.
- If a company asks for payment in gift cards, money orders, or wires, which is very unusual, it is likely a scam. Please hang up or do not click on any links.
Common Types of Fraud
Resources for CMCU Members
Falcon Fraud Monitoring
CMCU partners with Falcon Fraud to deliver additional security to all cardholders. Falcon Fraud provides world-class, award-winning technology to detect and prevent fraud on card transactions. With this powerful service, fraudulent activity can be prevented before the cardholder even knows that it is happening. Here are the phone numbers you may be contacted through by Falcon Fraud:
Phone: (800) 624-7491
SMS Text Messages: 23618
If any suspicious activity happens to occur, Falcon Fraud will immediately contact you to verify or deny the suspicious charge. By utilizing Falcon Fraud, the risk of credit and debit card fraud is greatly reduced for all CMCU cardholders.
Please note, you will be asked to verify your identity by providing the last 4 digits of your Social Security Number and the zip code on your account associated with the debit or credit card in question.
Falcon SMS/Text Alerts are only sent between the hours of 8:00 a.m. and 9:00 p.m. in the local cardholder’s time zone.
Purchase Alerts from CMCU powered by Visa help you reduce fraud and monitor your spending anytime, anywhere. With near real-time alerts, you can receive updates on your Visa card activity through text messages and email. This allows you to act quickly to reduce fraud and monitor your account – wherever you are. The unique service is available free for CMCU Visa cardholders! To sign up for Purchase Alerts from CMCU, simply click on “Check Eligibility” within the Visa Purchase Alerts page.
*Actual time to receive Alert dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.
Digital Wallet and Digital Payments
Using digital payment services such as Apple and Google Pay is simple and it works with the devices you use every day. Your card information is secure because it isn’t stored on your device or shared when you pay. Paying in stores, apps and on the web has never been easier, safer, or more private.
Update Account Info
By ensuring your contact information is updated, CMCU is able to contact you in case of any fraudulent activity on your accounts. Please take the time to review your contact information by logging in to your Digital Banking account. In the blue menu on the left, click on "Preferences" then "Profile."
If you need to change your information, you can click on "Address Change" and submit your new information. You can also work with one of our friendly staff members to ensure your contact information is correct.
File a Complaint
If you are a victim of an internet crime contact us immediately. Then, report the crime to the Federal Bureau of Investigation Internet Crime Complaint Center (IC3).
Report A Scam
If you have received an email, phone call or text from an imposter, file a complaint at the FTC Federal Complaint Assistant.