Security FAQs

General Questions About Scams

  • Yes. A scam potentially occurs when someone receives a suspicious message or is being encouraged to take a suspicious action. If this happens to you, please call (512) 467-8080 immediately to report the incident. Fraud is when an activity has already occurred. If you see a transaction you do not recognize, please call (866) 929-5450 immediately to report the incident and dispute the transaction.

  • No. Scams are designed to trick people. You’re not alone — contact UFCU as soon as possible so we can help you take the next step.

  • If it feels urgent, unexpected, or asks for money or personal information, it may be a scam. When in doubt, pause and verify using a trusted source. Go directly to the company’s official website or phone number. Never use links or contact information from a suspicious message.

  • Yes. Phone numbers, emails, and websites can be spoofed to look legitimate.

  • No. UFCU will never call, text, or email you asking for your password, PIN, or one-time passcode.

  • No. Requests to move money to a “safe account” are a common scam tactic.

  • Pause, don’t respond, and contact UFCU directly using a verified number.

  • Start with UFCU. Any concern is worth reporting.

  • Yes. You don’t need certainty to reach out. Reporting early helps protect you and others.

  • Yes. Scammers often build trust or mimic real organizations to make their messages believable.

  • Never share your password, PIN, or one-time passcode with anyone.

  • Pause. Scammers rely on urgency — taking a moment to verify can help protect you. Verify using a trusted source. Go directly to the company’s official website or phone number. Never use links or contact information from a suspicious message.

Phishing, Suspicious Messages & Impersonation

  • This is often phishing. Scammers send emails, texts, or links that look legitimate but are designed to steal your information. Don’t click unexpected links. Go directly to the company’s website yourself. If you already entered information, change your credentials immediately.

  • These can be phishing or social engineering attempts. Avoid clicking links or downloading attachments. Visit the company’s official website or system directly to confirm. Never rely on contact information from a suspicious message.

Relationship Based Scams

  • This is a common tactic in romance or friendship scams. Scammers build trust before asking for financial help. Stop communication, do not send money, and only send funds to people you know in real life. Pause and verify using a trusted source.

Threats, Urgency & Pressure

  • Scammers use fear to push quick decisions. Don’t send money or provide information. End the interaction and look up the agency independently using verified contact information.

Unauthorized Charges, Account Activity, and Disputes

  • Review your account activity immediately and lock or secure your card if possible. To start a claim or dispute, call (866) 929-5450.

  • Call (866) 929-5450 to review your account and begin the process.

  • Some payments, like Zelle® or other peer-to-peer transfers, may be treated like cash and are not always reversible. Contact UFCU right away to review your situation.

  • Unauthorized activity can escalate quickly. Review recent transactions, stop using compromised cards or systems, and call (866) 929-5450 to start a claim or dispute.

Payment Changes, Invoices & Business Related Fraud

  • Invoice scams often redirect payments to fraudulent accounts. Pause and do not process the payment. Verify the request using a known, trusted contact and confirm details using your own records — not the suspicious message.

  • Stolen items can be used for unauthorized transactions. Report the issue, stop using affected payment methods, request replacements, and monitor your accounts closely.

Data Breaches & System Security

  • Stolen credentials or data can be used for ongoing fraud. Update your passwords, secure access immediately, review your systems, and limit access until everything is confirmed safe.

Reporting Fraud or Suspicious Activity

  • Email fraud@ufcu.org or call (512) 467-8080 and select Option 5 → Option 4 → Option 2.

  • To Report a Scam or Suspicious Message
    Email fraud@ufcu.org; or
    Call (512) 467-8080 and choose Option 5 → Option 4 → Option 2.

    To Report a Fraudulent Transaction or Dispute a Charge
    Call (866) 929-5450.

  • Be prepared to share what happened, when it happened, how you were contacted, and any information you may have provided.