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Protecting Against Fraud

Arming Members as Our First Line of Defense

June 20, 2018 by Laura Richard

Fraud has been on the rise for the last 25 years, and it is showing no signs of slowing down anytime soon. Cyber-attacks and breaches hit a new record in 2017, with 1,579 breaches reported, and the Sunshine State ranks number one for scams and second for identity theft according to the Federal Trade Commission.
These are troubling statistics, but as our Members’ Watchdog we want to help our members protect themselves from fraud, identity theft, and scams.

Advanced Security 

Protecting member information is our top priority. We deploy numerous systems behind the scenes, with sophisticated firewalls, advanced encryption, and monitoring services to detect and prevent cyber threats.
Sometimes our fraud prevention services may feel inconvenient, like when a transaction is detected as suspicious due to an unusual change in card usage resulting in a temporary block, or when your account is locked for failed password attempts. These interruptions are necessary to protect members from financial loss and even greater inconvenience.
Our greatest asset in defending against fraud is our people. We invest heavily in recruiting, training, and implementing procedures to prevent and detect fraud. Our employees will always verify your identity before releasing any personal information, and we will never send or collect personal or account information over unsecure channels like email, text, social media, or voicemail.
While we continuously implement new technologies, criminals and fraudsters are always inventing new scams and tricks to get around our systems. It’s a never ending cycle, costing the credit union.

Arming Members

That’s why we are arming members as our first line of defense to fight fraud.
SCCU has created a Fraud Prevention Resource Center, and started a campaign entitled, “Fight Fraud Fridays”, where we disseminate informative articles to help members protect themselves. Members may sign-up for these email articles at
Additionally, members can help fight fraud and protect themselves by taking the following actions: 
  • Update Your Contact Info – Make sure SCCU has your current home address, email, and phone number on file, including mobile numbers. Not only is this extremely important in the event we need to contact you regarding suspected fraudulent activity, it also ensures that card renewals and other credit union communications are sent to the proper address. Members can update their account info at any time in Online Banking.
  • Utilize Online and Mobile Banking – It’s been shown that for “offline consumers” who don’t use online banking, it takes more than 40 days for them to spot fraud, resulting in greater losses. Online and Mobile banking allow members to closely monitor account activity, daily. Visit to learn more and sign up today.
  • Set Up Account Alerts – According to a survey conducted by Fiserv, 40 percent of customers have detected fraudulent activity on their accounts via e-banking alerts. SCCU Online and Mobile Banking account alerts are free and offer a wide range of text or email notifications to help remind you of things such as account and transaction activity or exceeded transaction limits.
  • Watch for Unsolicited Call, Emails, or Texts – “Spoofing” is a common scam where a fraudster will attempt to reach out to you on behalf of SCCU and request that you provide them with your personal information. Please be aware that SCCU will never request personal information (that includes account numbers, card numbers, social security numbers, birth dates or driver’s license numbers) through outbound phone calls, email or text messages that a member did not first initiate. Simply put, if you did not initiate the communication, do not respond or click on any links. 
  • Sign Up for e-Statements – Mail fraud is one of the oldest fraud tactics, where criminals steal mail out of members’ mailboxes and use the information to open new accounts and/or change addresses. SCCU e-Statements are free and more secure than paper. To sign up for e-Statements, log in to Online Banking, click the “Personal Settings” tab, select “Statement Preference” and then check “Electronic Only”.
  • 2Way Text Alerts for Card Fraud – This new layer of card protection allows members to fight card fraud by immediately alerting them in real-time via text message of possible fraudulent activity on their card(s). As a courtesy all SCCU debit and credit card holders are automatically enrolled for this FREE fraud service. Members may choose to opt-out of text alerts by texting “Stop” when they receive a fraud text alert from us.
  • Protect your Passwords – Protect your accounts with strong passwords.  Your birthday or pet’s name doesn’t cut it these days.  Do not use the same password across multiple sites, and be sure to change passwords every 30-90 days.  Never save your online banking password in your internet browser.  For more information on passwords, read our article, “How To Manage and Protect Your Passwords”.
At Space Coast Credit Union, we protect the financial interests of our members at all times, which is why enabling them with the tools to help us fight fraud is so important to us. Visit for helpful resources to protect yourself. 

Laura Richard
Senior Vice President, Marketing



  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, 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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Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

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