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Fraud Prevention

The best way to avoid ID theft is to educate yourself about the types of ID fraud and prevention measures. Identity fraud is when someone uses your name, social security number or other piece of personal information without your permission or knowledge. Thieves generally use this information to fraudulently purchase items. Here’s what you can do to help prevent this from happening to you!

Fraud Prevention Tips:

  • Do not provide personal information to business or individuals, unless you know them personally.
  • Do not keep personal identification numbers (PINs) written down somewhere that could fall into wrong hands.
  • Use secure postal service collection boxes to mail in your bill payments (or better yet, use password protected services such as Online Bill Payment).
  • Report lost or stolen checks or credit cards immediately. Community Focus Federal Credit Union will secure a block on future payments.
  • Shred financial solicitations, old bills and statements that may include personal account information.
  • If bills or replacements credit/debit cards/checks do not arrive in the mail on a timely basis, contact your providing company or financial institution immediately to confirm mail dates.
  • Review bills and statements carefully to check for questionable transactions.
  • Don't reply back to the suspicious "phishing" emails that ask you for your financial or credit card information

Debit Card Fraud

Despite efforts to protect your personal information, a security breach, or “compromise” can occur at a retail merchant (a store, restaurant, or gas station, for example) where you make a purchase using your debit card. These compromises have been in the news recently and customers are understandably concerned.

You should know that, while these security breaches occur at the merchant or their payment processing centers, your Credit Union works to protect you in the wake of a merchant's data breach. 

You are protected by your Credit Union when a retail data compromise occurs. 

Because the impact of a card information compromise is significant to our members, we work with law enforcement, card networks, and industry associations to protect your information. 

We take a variety of steps to protect members, including: 

  • Monitoring accounts for suspicious activity.
  • Blocking and reissuing cards for affected account holders.
  • Reimbursing customers for confirmed fraudulent transactions.

You can help maintain your security.

  • Review your credit union and credit card statements frequently for unusual transactions.
  • If the security breach involves your debit card, the best way to protect yourself is to immediately cancel the card and get a replacement with a different number.
  • Don’t make purchases in free Wi-Fi hotspots, such as a coffee shop, which can put your passwords and other information at risk.
  • Don’t ever give or lend your debit card to anyone.
  • Use your debit card only at established, well-lit ATMs with security cameras in place.
  • If you are shopping online, shop on secure websites. One indicator about which websites are safe, and which are not, is the presence of a yellow padlock icon in the browser bar. Another indicator is ‘https’ in the web address.
  • Never send sensitive personal or financial information through e-mail. Legitimate companies will not ask you to do so because it is not a secure way to transfer sensitive information.
  • If you are receiving text messages on your cell phone saying you have won a prize or gift card, do not click on the link in the message – it is most likely a scam and may install a virus on your phone.

Common Phone and Email Scams:

  • Phishing - Thieves attempt to get personal information by luring victims to a replica webpage or email that resembles a real webpage.
  • Spamming - An email is sent to a large list of recipients. These emails sometimes contain viruses or spyware and may also be a tool for phishing scams.
  • Pharming - The victim is redirected to an illegitimate website instead of the one the victim wants.
  • Vishing - A type of phishing done over the phone. The victim is asked to call a phone number or visit a website and enter sensitive information.

New scams are constantly being invented to trick you into giving out your information. For the most recent scam information please visit

Please know that Community Focus Federal Credit Union Credit Union will never request personal information in the form of an email. Never reply to an email asking for sensitive account information.

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