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Welcome to the Service 1 FCU Security Center

Safeguarding your personal information is our top priority. We're always on the lookout for fraudulent activity and scams targeting our members. Here are some common and current tactics to be aware of to protect your information and help prevent becoming a victim.

Current Scams — Be On the Lookout

We've identified scams that are currently targeting large groups of people in a public arena. Beware and take steps to safeguard your information at all times! If you suspect suspicious activity or notice unauthorized account activity, please contact us immediately at (800) 879.9697.


Most of us are aware that we shouldn’t answer calls from unknown numbers. But what about those that appear on caller ID from familiar numbers, such as local organizations or financial institutions? Criminals are becoming more sophisticated in implementing the latest technology to impersonate—or “spoof”—phone numbers of legitimate businesses to disguise their identity and ultimately gain access to personal information for fraudulent purposes.

You may not be able to tell right away if an incoming call is spoofed, but caution is always recommended. Here are some guidelines to help keep the scammers from getting your information:

  • If you get a call from someone who claims to represent Service 1 FCU, another company you do business with, or a government agency, you can hang up and call the phone number on your account statement, in the phone book, or on the company's or government agency's website to verify the authenticity of the request. Businesses with which you hold accounts don’t need to call and “verify” your information since they already have it on file. Service 1 FCU will never contact you via an unsolicited call or email asking for your personal information such as account number, Social Security Number or other identifying information.
  • Never give out personal information such as account numbers, Social Security numbers, mother's maiden names, passwords or other identifying information in response to unexpected calls or if you are at all suspicious.
  • Use caution if you are being pressured or threatened for information. Legitimate businesses will not resort to scare tactics.
  • If you answer a call and the caller—or a recording known as a robocall—asks you to hit a button to stop getting the calls or respond with a “yes” or “no” answer, just hang up. Scammers often use these tricks to identify potential targets and to record your voice agreeing to something that can potentially be used as permission for unauthorized activity (usually something that bilks you out of money).
  • Don't answer calls from unknown numbers. An individual or legitimate business that needs to reach you will leave a voicemail message.

Visit the FCC website for more information about spoofing. If you think you've been the victim of a spoofing scam, you can file a complaint with the FCC. If you have questions, call your local Service 1 FCU branch or our toll-free line at (800) 879.9697.



We've received several reports of members/consumers being contacted by someone posing as Mastercard falsely notifying them that their card has been locked. The caller will request the cardholder's 16-digit credit card number to "verify" the account to be unlocked. Please be aware that THIS IS A SCAM. Mastercard and Service 1 FCU will NEVER contact you and ask for your card number (this is information Mastercard will already have on file). The call may be automated (robocall), directing the recipient to enter their card number or select a number to reach a "fraud or security department."

Please DO NOT give out any personal information to a caller for an inquiry that you did not initiate, no matter how legitimate or professional the caller seems. If you receive such a call, ask to have a callback number from the caller, then hang up and report the incident. You can also contact your credit card company by calling the number on the back of the card. If you suspect fraudulent activity, you can lock your card(s) immediately within the Service 1 FCU mobile app under "More," then "Manage My Cards."

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Click here for more information about how to recognize and avoid a credit card telephone scam.



Thieves place a small, nearly undectable, electronic device on card readers at public ATMs, gas pumps, and even self-checkout registers at retail stores, that secretly records-or "skims"-the data stored on the magnetic stripe. Tiny hidden cameras then record users entering PIN codes, which gives thieves everything they need to make counterfeit cards using the stolen information (or use it to go on an online shopping spree).

Read a recent news story explaining how to spot a credit card skimmer on a gas pump and avoid theft. Another recent case of skimming at a grocery store self-checkout is also in the news. 


Thieves are preying on young people, too. A recent scam has hackers "freezing" iPhones (internet browser pages) and displaying a fake Apple Support pop-up message warning of "theft activity" and urging the owner to call a toll-free support contact number immediately. When the crippled user calls the number to unlock the phone, the thief on the other end of the line requests that payment be made in iTunes gift cards (usually in excess of $1,000), promising that the money will be returned after access is regained. The real Apple Corporation warns that this is not legitimate and has a warning posted on their website. Read the full story here


How to Identify Fraud, Scams and Cyber Crime

Fraudulent activity can strike in the form of identity theft, credit card fraud, phishing, pharming, skimming, check fraud, sweetheart and lottery scams and more. Thieves may acquire records containing your personal information and/or account information from intercepted or discarded financial statements, payroll stubs, or other records sent to you or from third parties with whom you interact in your normal course of business where such information is disclosed. Be aware that savvy criminals can steal your information online, too. To combat cyber fraud, you should choose secure passwords and change them regularly, always sign out of your on line accounts when finished with a site, check for the word "Secure" and a small padlock icon before the URL, as well as an "s" in the web address {https://).

Some types of fraud to watch out for:

  • Identity Theft occurs when someone uses your name and personal information to assume your identity to either open new credit card accounts, mobile phone contracts, bank or credit union accounts and more. While identity theft may begin with the loss or theft of a wallet or purse, there are a number of other ways that identity thieves can obtain your personal information.
  • Credit Card Fraud has risen sharply in recent years. When a credit card is lost or stolen, owners are more likely to be victims of unauthorized use. But beware: card fraud is driven primarily by compromise of credit card account data during their normal course of usage, either in large-scale data breaches at larger retailers or simply "skimming" the data when the card is used in an establishment.
  • Phishing occurs when someone tricks you into divulging personal, financial or account information. Posing as well-known companies, thieves will send out e-mails asking you to reply, or direct you to a fraudulent web page that asks you to provide personal information, such as your credit card number, Social Security number or account password.
  • Phone Phishing (also called "Vishing") is another way thieves try to collect sensitive information from you. In this type of fraud, they will either contact you by telephone or send you a fake e-mail and ask you to respond by telephone.
  • Skimming allows criminals to obtain your information at a public ATM, gas pump, grocery store or other self-service payment terminals located in places such as grocery stores by collecting your account information from the magnetic strip on the back of the card and recording users entering their PINs.
  • Sweetheart, Lottery and Hardship Scams take advantage of vulnerable individuals by developing a "trusted" relationship with the victim over a period of time. Eventually the fraudster asks for personal information or money, typically convincing the victim to send him or her significant sums in return for a relationship, a visit, a higher payback, etc. Lottery scams dupe victims into wiring funds to cover supposed taxes and processing fees after they've been told they're a contest winner.

Be on the lookout for these types of situations that compromise your personal information and financial security. Remember that Service 1 FCU will NEVER ask for personal or account information-or ask you to CONFIRM it-via email or text message.

How to Protect Yourself

There are many steps you can take to protect yourself. Though each type of fraud or scam is unique, there are things you can do that will help keep you safe that are commonly useful to in preventing most types of fraud. These are just a few suggestions:

  • Monitor your account activity on a regular basis. You're much more likely to identify suspicious activity quickly and stop thieves from stealing from you.
  • When paying electronically at the gas pump or store-or using an ATM-make sure to shield the keypad with your free hand when you enter your PIN, even if no one is around. Scammers capture your keystrokes using tiny cameras, so covering the keypad can interfere with a thief trying to obtain this information.
  • Check public machines and terminals for removable parts in the card slot and above the keypad. If any piece of the machine wiggles or moves, there could be a skimmer attached.
  • Be aware of your surroundings. While this is sound advice all of the time, it can be particularly useful to identify a compromised machine in a public place. Look for anything loose, hanging wires, broken or extra pieces, etc.
  • Beware of online scams that appeal to your emotions. Criminals can and will represent themselves as something they're not in order to gain your trust. Once you feel something for them-sympathy, romance, guilt, danger/concern and more-they'll convince you to "help" them by providing access to your money. These thieves are very difficult to catch and you'll likely lose your money, and potentially your identity.
  • Avoid clicking on links in an email or text message that ask you to enter your personal information. The messages often appear very authentic and look nearly exactly like messages received from reputable companies. Remember that Service 1 FCU will NEVER ask for personal or account infomation--or ask you to confirm it-via email. If you have concerns about an account, you're encouraged to open a new browser window to visit the company's verified website and access your account.
  • If it's too good to be true, it probably is. Receiving a substantial check in the mail from an unknown sender, finding the deal of a lifetime on a public classifieds site (such as Craigslist), finding the "love of your life" online without ever having met-these are all situations that are tempting, but don't happen often in real life. Using caution and discernment to determine if it's "too good to be true" could be the difference between becoming a victim and keeping your information intact and safe (and your money in your Service 1 FCU account!).

You can also protect yourself by signing up for Kasasa Protect®. Find out more about this identity protection and restoration solution.

Contact Us  

If you suspect fraudulent activity or feel you've been the victim of a scam, you should contact your local law enforcement office and the Federal Trade Commission, a U.S. government regulatory agency. You'll also need to contact you financial institution by calling the number on the back of your debit or credit card. Questionable activity concerning your Service 1 FCU account should be reported by calling (800) 879.9697.

To learn how Service 1 FCU protects your privacy, download our Privacy Policy.

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