Fraud
Fraud happens to you.
- Someone steals your card, account number, or personal info without your knowledge
- You did not approve the transaction
- Examples:
- Card stolen and used at a store
- Account hacked
- Charges you don’t recognize at all
*Fraud is usually eligible for dispute and provisional credit. *
Scam
A Scam happens through you.
- You were tricked into sending money or sharing information
- You authorized the transaction (even if you were lied to)
- Examples:
- “Amazon” or “IRS” calls
- Fake job offers or prizes
- Zelle/Cash App requests form “friends”
- Romance or investment scams
- Fake websites
- Replying to emails & texts
*Because you approved it, scams are often NOT refundable.
Why This Matters
If you approved the transaction -even under pressure or false promises-it’s considered a scam, not fraud. That difference determines whether the credit union can recover the funds.
How to Protect Yourself
- Never share one-time passcodes or login info
- Don’t rush-scammers create urgency on purpose
- When in doubt, stop and call us directly
- If something feels off, it probably is
Think You’re a Target?
Call us immediately.
We will never call you and ask your personal information.
The sooner we know, the more we can help.