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5 Easy Ways to Prevent Fraud




As our members’ Watchdog, a part of our mission at SCCU is to ensure the safety of our members’ information through fraud monitoring services, information security protocols, and employee training. However, our efforts are more impactful with the support of our members. 
 
Consider the following tips to help reduce the risk of being affected by a “cybercrime”: 
 

1. Update Your Contact Information

To protect against fraud, we ask that our members provide us with the most up-to-date version of their contact information.  Having the most current mailing address, phone number, and email on file allow SCCU to contact members within a moment’s notice of an issue being detected on any of their accounts. Since most card transactions occur outside of the home, mobile numbers are the most convenient ways to reach members when issues are detected. Members can update their contact information through our Online Banking portal or by visiting one of our branch locations. 
 

2. Protect Your Passwords

For most people, passwords can be tricky to remember or easily detected. For that reason, we recommend using best practices to create passwords that are not easy to “crack” by potential scammers. A common rule to follow is to never use any real words, names, and birth dates in your password. Use a combination of words instead comprised of upper and lower-case letters, and special characters such as “!, ?, @ and *”. Also, passwords should never be shared with others nor stored in places in which they can be obtained or stolen. 
 

3. Set Up Banking Alerts & Enroll in e-Statements 

By monitoring accounts through Online Banking, our members save time while simultaneously benefitting from the convenient and secure services that we offer at no extra cost to them.  With the use of e-alerts, we notify our members in real-time when transactions are processed on their accounts via text message or email. SCCU offer e-statement services that are protected by firewalls and encryption technology, as a safer alternative to members, since paper statements can be easily stolen out of mailboxes.
 

4. Beware of Suspicious Calls, Emails, Texts and Links

We recommend our members to avoid any suspicious links in emails or texts requesting personal or account information. The links and texts in those emails are set up to potentially go to websites set-up to spoof a legitimate website.  To be on the safe side, we advise our members to not click on links within emails unless they know the sender. Remember, SCCU will never initiate an outbound call, email, or text requesting personal or account information from a member. In the event that an unsolicited phone call, email or text message was received, we advise our members to not respond, and only contact our main published numbers: Brevard: 321-752-2222; Broward:  954-701-5000; Miami-Dade: 305-882-5000; and all other areas: 800-447-7228.
 

5. Request a Free Annual Credit Report

According to the Fair Credit Reporting Act (FCRA), everyone can request a free copy of their credit report once every 12 months, which is a service that we advise our members to take advantage of from their respective credit reporting company. A credit report includes information that is used to evaluate applications for a loan, insurance, employment, or to rent a home. Detecting inaccurate information listed on a credit report can help guard against fraud in the event that one’s personal information has been stolen. 
 






Important Phone Numbers

Lost/Stolen Card: 800-447-7228, opt. 5
Equifax: 800-846-5279
Experian: 888-397-3742
TransUnion: 800-916-8800


Get Your Free Credit Report

Under the Fair Credit Reporting Act, you are entitled to one free credit report a year. Carefully reviewing this free credit report is a vital step to protecting your account from identity theft. Learn More.


 



  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Collier, Flagler, Indian River, Lake, Lee, Manatee, Marion, Martin, Miami-Dade, Monroe, Okeechobee, Orange, Osceola, Palm Beach, Pasco, Polk, Putnam, Seminole, St. Johns, St. Lucie, Sumter, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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