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Fraud Prevention The Tips Below Can Help You Protect Your Account From Fraud and Identity Theft

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Keep it Private

Be cautious and never share your Online Banking Login, password, or other personal information-whether over the phone, by mail, or online. Store important documents and unused cards in a secure place, and shred any old documents that contain personal information. 

Monitor Regularly

Stay alert by regularly monitoring your account statements and transaction activity for anything unusual. Periodically review your credit report to check for signs of suspicious activity. You can obtain a free credit report at AnnualCreditReport.com. 

Secure Your Devices

Protect your electronic devices by using password locks, keeping security software up to date, and avoiding public Wi-Fi for sensitive activity. Use a secure password manager to safely store passwords and other personal information.

Beware of Spoofing

Don't take the bait-scammers often spoof real phone numbers to get you to reveal personal information. If you're unsure, don't respond. FTWCCU's fraud team will never ask for your PIN of full card number.

Stay Informed

Knowledge is power-every year, scammers steal billions by using calls, emails, texts, and social media to trick people into giving up personal or financial information. Staying informed about current scams is one of the best ways to protect yourself.

What is Phishing? 

Phishing is a type of online scam where a fraudster pretends to be a trusted business or organization to trick you into giving away personal information—such as usernames, passwords, or credit card details. These scammers often send emails, text messages, or social media messages containing links to fake websites that look legitimate. Once you enter your sensitive information, it goes straight to the criminal. Phishing messages may also use urgent or alarming language to pressure you into acting quickly without thinking.

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What is an Imposter Scam?

An imposter scam happens when a fraudster pretends to be someone you know or trust—such as a computer technician, government official, bank representative, or even a family member. They may use urgent stories, fake emergencies, or threats to pressure you into acting quickly. No matter the scenario, their goal is the same: to trick you into giving them money, personal information, or access to your accounts.

Is That a Counterfeit Cashier’s Check?

Counterfeit check scams can take many forms, with criminals using advanced printing technology to create fake cashier’s checks, personal checks, business checks, and money orders that look legitimate. These scams often begin with tempting offers—such as an advance on a sweepstakes you supposedly won, a “work-from-home” job, or a request to transfer funds for someone overseas. Once you deposit the fake check, it may take days to be discovered, leaving you responsible for the loss. Always verify the source and authenticity before accepting or depositing any unexpected checks.

What is “Mailbox Fishing”?

Mailbox fishing is a scam where thieves attach glue traps, string, or other devices to USPS mailboxes to steal outgoing mail—especially checks, gift cards, or cash. Stolen checks are often “washed,” meaning the payee and amount are removed while your signature remains, allowing scammers to alter and cash them fraudulently. Because the signature and check number are still authentic, these crimes can be difficult to detect until it’s too late. If you suspect you’ve been targeted, report it immediately to the United States Postal Inspection Service.