Security Resource Center

pause. prevent. protect

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.

You can reach us Monday–Friday 8 AM–5:30 PM, and Saturday 10 AM–2 PM.

what to do when something feels off

Important: At UFCU, we will never call, text, or email you asking for your password, PIN, or one-time passcode. We will never ask you to move money to “protect” your account. If something feels off, pause and verify first.

  • This is likely a scam. A scam potentially occurs when someone receives a suspicious message or is being encouraged to take a suspicious action. Take action immediately:

    • Take note of who they claim to be. If something feels off, pause the conversation—hang up or stop responding.
    • Do not share your personal information or move money.
    • Verify using a trusted source. Go directly to the company’s official website or phone number Never use links or contact info from the message.
    • Still unsure? Report it.

  • This is likely a scam. A scam potentially occurs when someone receives a suspicious message or is being encouraged to take a suspicious action. Take action immediately:

    • Change your passwords immediately.
    • Log in to your account directly (not through any links you received) and review activity.
    • Enable account alerts in Online Banking or the mobile app.
    • Still unsure? Report it. Call (866) 929-5450 to review your account and start a claim if needed.

  • Impersonation fraud usually comes in the form of phone calls, texts, or emails that create urgency or ask you to take action.

    What’s the risk?
    hey may try to pressure you to share information or move money quickly.

    What to Do

    • Hang up or stop responding.
    • Don’t share information or move money.
    • Go to the company’s official website and contact them using a trusted number.

    • Stop communicating immediately.
    • Do not send additional money.
    • Report it right away.

    Important: Some payments (like Zelle®) are treated like cash and may not be reversible.

    • Pause before taking action.
    • Never share your password, PIN, or passcodes.
    • Never send money to “yourself” or a “safe account.” These are scams.
    • 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.
    • Still unsure? Report it!

stop scams and recognize fraud

Scams are attempts to trick you into acting. Fraud is when something unauthorized has already occurred. Bad actors use urgency to catch you off guard. Take a moment to pause to keep your information secure.

Impersonation Fraud

Fraudsters pretend to be UFCU, government agencies, or other trusted organizations to create urgency. They want you to act quickly without pausing.

Hang up and contact us directly.

Phishing Scams

Bad actors send emails, texts, or websites that look real but are designed to steal your information. It is not safe to use these links.

Go to the website directly. If you clicked something, change your credentials immediately.

Romance Scams

Scammers build trust with you over time before asking you for money. It is not safe to send money.

Only send money to people you know in real life. If you sent money, contact UFCU immediately.

Law Enforcement Scams

Perpetrators call you with threats to arrest you or take legal action unless you pay money. Real agencies do not demand payment like this.

Hang up and verify independently.

Tokenized Payment Fraud

Imposters trick you into approving a digital version (tokenized payment) of your physical card. Once approved, they continue to use your card digitally.

Never share one-time passcodes.


Have Security Questions?

Whether you’re learning how to spot scams or want to know what to do if something seems off, our Security FAQs offer quick, clear answers to help you stay informed and ready.

Read Security FAQs

stop scams and recognize fraud

Scams are attempts to trick you into acting. Fraud is when something unauthorized has already occurred. Bad actors use urgency to push quick decisions. Take a moment to pause to protect your business.

Phishing and Social Engineering

Scammers impersonate vendors, staff, or banks. Red flags include payment changes, urgent invoices, and subtle email changes that solicit your information.

Never share your personal credentials or information.

Card-Not-Present Fraud

Scammers reach out with the intention of making unauthorized online or phone transactions. Never share your personal credentials or information.

Review your accounts and recent transactions.

Card Skimming

Fraudulent devices capture your personal data from terminals.

Stop using the card and contact UFCU immediately.

Mail Interception

Bad actors steal your card before you receive them.

Contact UFCU immediately to report and replace your card.

Data Breach Fraud

Bad actors steal batches of information from vendors or systems and then use it for personal gain.

Review your accounts, report unusual activity, and update your credentials immediately.


Have Security Questions?

Whether you’re learning how to spot scams or want to know what to do if something seems off, our Security FAQs offer quick, clear answers to help you stay informed and ready.

Read Security FAQs

If something feels off, contact UFCU immediately.

report fraud

Scammers rely on pressure and quick decisions. If something doesn’t feel right, trust your instinct. If something feels off, pause and verify first.

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. UFCU will never call, text, or email you asking for your password, PIN, or one-time passcode. If something feels off, pause and verify

Keep Your Accounts Secure with Alerts
Learn How

Related Products and Services

Security Education & Tips

Our security-related education articles provide content and insights you can use to safeguard your accounts, devices, and personal information.

Explore Articles

Have Questions?

Get fast, straightforward answers when something doesn’t look right. From spotting scams to knowing what to do next, our Security FAQs help you stay informed and ready to respond.

Explore Security FAQs

Learn how we protect your information by reviewing UFCU’s Privacy Policy.