Protecting What Matters: Let’s Prevent Fraud Together

As your trusted financial partner, we provide the latest resources and knowledge to help you stay secure and confident.

 

How we protect you

We’re committed to ensuring your personal information is safe and sound.

You can receive real-time fraud alerts via text message, helping to quickly identify and prevent fraudulent activity. You can also confirm and approve flagged purchases. To ensure you have access to this service, please update your cell phone number on file by calling us at 804.274.1200 or visiting your local Call Federal branch.

Our Mobile Banking app offers powerful features to help you manage your accounts conveniently and securely from your smartphone. With tools like transaction alerts and the ability to instantly turn your card off if you suspect fraud or misplace it, you can take charge of your finances with confidence.

Actively manage your debit and credit card usage by customizing when, where, and how your cards are used.

Getting Started is Easy:

  • Download the app for iPhone or for Android.
  • Open the app and look for “My Cards” to customize your settings and alerts.

For more details and helpful tips, check out our guide: How to Use Online and Mobile Banking. Stay in control, stay secure.

Our Digital Banking solutions, along with our internal protocols, require multi-factor authentication as an essential layer of security. These critical steps ensure your identity is verified, allowing you to access your accounts safely and with confidence.

Call Federal ATMs feature state-of-the-art, skimmer-resistant card readers designed to combat fraud. These readers are fully compatible with EMV chip technology, providing an extra layer of protection for your transactions.

We prioritize the security of your personal and financial information by using advanced technologies and robust processes. Behind the scenes, our dedicated Information Technology team continuously updates and enhances our systems to ensure your data remains protected.

We utilize advanced fraud monitoring tools to detect unauthorized or unusual activity in your accounts. If suspicious activity is identified, you or Call Federal may receive an alert to verify the transaction, ensuring your accounts remain secure.

Next time you visit a branch, ask us to scan your driver’s license or photo ID. Keeping updated identification on file adds an extra layer of protection, helping to prevent fraudsters from impersonating you.

To safeguard your account, our teller and ATM receipts display only truncated card numbers. This added measure helps protect your information from potential misuse, such as by dumpster divers.

Every Spring and Fall, we host shred events at 7 of our branch locations. Bring sensitive paperwork to one of our Shred Events and we’ll make sure it is properly destroyed. Dates are typically announced in February and August.

We share the latest tips and information to help you protect yourself from fraud and scams through our website, newsletters, and social media pages. Stay connected and stay secure!

Important Reminder

Never share passwords, login credentials, access codes, account numbers, or personal information via email, text, or unsolicited calls, even if they seem to come from a trusted source. Call Federal will never request this information.

Unsure about an email or text from us? Call us at 804.274.1200 to verify before clicking on any links.

How You Can Help Protect Yourself

By staying cautious and following these guidelines, you can protect yourself from fraud. Contact Call Federal for assistance if you have any concerns.

Do not share passwords, login credentials, access codes, account numbers, or personal details via email, text, or unsolicited calls—even if the request seems to come from a trusted source. Call Federal will never ask for this information.

Verify suspicious communications.
If you receive an email or text claiming to be from Call Federal and you’re unsure of its legitimacy, call us at 804.274.1200 to verify before clicking any links.

Stay vigilant and secure.
By being cautious and verifying suspicious requests, you can protect your personal information and avoid potential scams. Stay safe!

Never send money to individuals you don’t know or trust. Scam artists often prey on people’s emotions and use convincing stories to gain your trust.

While some scam emails are obvious, others have become increasingly deceptive over the years. Fraudulent emails often pressure you to “act quickly” and trick you into clicking harmful links or opening malicious attachments.

If you receive a suspicious email that appears to be from Call Federal, don’t click on any links. Instead, call us at 804.274.1200 to verify the message and ensure your security. Stay alert and protect yourself!

Don’t call phone numbers provided in emails, texts, or over the phone if you don’t trust the source. Use a verified contact number from a secure website or other credible sources.

If you’re unsure about an email’s legitimacy, don’t click on any links. Verify its authenticity by contacting the organization directly using a trusted method.

Do not accept or deposit checks that are unexpected or for an amount greater than anticipated. These could be part of a scam.

Avoid sending gift cards or using money transfer services for urgent requests from people you don’t know. Scammers often create a false sense of urgency.

Text messaging provides a convenient way to help keep your accounts secure, but it also creates opportunities for fraud. Similar to scam emails, fraudulent texts often pressure you to act quickly, click harmful links, or share personal information.

Remember, your bank will never request sensitive details like passwords, account numbers, or login credentials via text. Stay cautious and think before responding to unexpected messages. If in doubt, contact us directly for verification.

Regularly monitor your account’s online banking and monthly statements for unauthorized transactions and set up account alerts to enhance security. If you notice anything suspicious, call us at 804.274.1200 or visit a branch immediately.

Ensure that passwords are complex (mix of letters, numbers, and symbols) and different for each account. Consider using a password manager to securely store them.

Try not to access your credit union accounts or make transactions over public Wi-Fi networks, as they can be vulnerable to security breaches.

Lock your mobile devices with a password or biometric authentication (fingerprint or face recognition) to prevent unauthorized access.

Credit cards often offer better fraud protection than debit cards for online transactions.

Always look for “https://” in the URL and a padlock symbol in your browser before entering sensitive information online.

Stop and think before responding to potential scams. Take a moment to pause and assess the situation. Call us or a trusted individual for guidance. Scammers rely on pressuring you to act quickly without thinking.

Report Scams & Fraudulent Activity

Acting quickly is crucial when you detect suspicious activity. If you suspect you’ve been exposed to a scam involving your Call Federal accounts:

Number 1

Contact Us Immediately

Call Us Immediately:
Contact Call Federal at 804.274.1200 to report suspicious activity or fraudulent transactions. We can block your accounts and provide immediate assistance.

Visit a Local Branch:
Speak directly with a representative at your nearest Call Federal branch to address concerns and take protective actions.

Use Our Online Form:
Report phishing attempts, identity theft, or other scams by filling out the secure form below.

Number 2

Notify Authorities

Notify Authorities:
For broader fraud concerns, report the incident to the Internet Crime Complaint Center (IC3), a partnership between the FBI, the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA).

Report to Local Law Enforcement:
If the fraud involves stolen personal information or monetary loss, file a report with your local police department.

Your vigilance and quick action help protect your accounts and combat fraud.

Need A Little More Information?

Identity theft is the act of obtaining and using someone else’s personal information, such as their name, Social Security number, credit card numbers, or bank account details, without their permission. The thief typically uses this stolen information to commit fraud, make unauthorized purchases, open new accounts, or engage in other illegal activities.

Identity theft can cause significant financial loss, damage to your credit, and emotional distress. It’s important to take proactive steps to protect your personal information, such as using strong passwords, monitoring your credit reports, and being cautious about sharing sensitive details.

Spoofing is a type of cyberattack where a fraudster disguises itself as a trusted source in order to deceive individuals or organizations. The goal is typically to gain access to sensitive information, trick the victim into taking certain actions, or manipulate them in some way. Spoofing can occur through various methods, including:
  1. Email Spoofing: The attacker forges the sender’s address to appear as if the email is from a legitimate source, such as a bank or a coworker, in order to steal personal information or spread malware.
  2. Caller ID Spoofing: The attacker changes the information displayed on your phone to make it appear as though the call is from someone you know or a trusted organization, such as your bank, in order to trick you into providing personal or financial details.
  3. Website Spoofing: Fraudulent websites are designed to look like legitimate ones to steal login credentials, payment information, or other sensitive data. These sites often appear identical to real websites, sometimes using similar URLs.

To protect yourself from spoofing, be cautious when receiving unexpected communication, whether via email, phone, or websites. Always verify the identity of the source before taking action or sharing any personal information.

Phishing is a type of cyberattack where fraudsters impersonate legitimate organizations or individuals to trick you into sharing sensitive information, such as usernames, passwords, credit card details, or other personal data. Phishing is typically carried out through deceptive emails, text messages, or websites that appear to be from trusted sources, such as your bank, online retailers, or social media platforms.

Phishing attacks often create a sense of urgency or fear (e.g., claiming your account will be suspended or compromised unless you act immediately), prompting you to click on malicious links or provide personal information. Once the attacker has this data, they can use it for identity theft, fraud, or other illegal activities.

To protect yourself from phishing, always verify the source before clicking links or providing personal details, and be wary of unsolicited messages that seem too good to be true or create a sense of urgency.

Have questions?

Call Federal is here to help. Reach out to us today for more information and assistance.

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(Current Members: If you already have an account, simply login to your Online Banking and select “Open An Account” to get started.)

 

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