Member Security & Scam Avoidance

Scammers Are Getting Clever—Don’t Fall for It!

Financial institutions are seeing an alarming increase in scams where fraudsters pose as representatives of your trusted institution’s fraud department. These scammers might call you, claim suspicious activity on your account, and trick you into handing over personal information like your debit card number or online banking login. Don’t be fooled! Here’s how you can protect yourself and stay safe.

Learn How to Outsmart Scammers

We’ve put together a simple guide of essential tips to help you spot, avoid, and protect yourself from scams. Knowledge is power, so let’s make sure you know what to look out for.

What is SMShing? The Text Scam You Need to Know About

SMShing is a type of phishing that occurs when scammers send fraudulent SMS (text) messages to trick you into giving away your personal information, often disguised as someone you trust—like an AmeriCU employee. They might ask for money, usually in the form of gift cards.

Here’s how you can spot SMShing:

Who’s texting you? Is the number unfamiliar or suspicious?

Sense of urgency? Scammers often make it sound like there’s a crisis you need to act on now.

Clicking links? Never click any link or share sensitive info in response to an unsolicited message.

Learn More With This Helpful Video!

Spotting & Avoiding Fraud Scams: A Step-by-Step Guide

Don’t let fraudulent messages take you by surprise! Learn how to recognize and minimize the risk of SMShing, phishing, vishing (voice phishing), and other scams targeting your security.

If You Think You’ve Been Targeted—Act Fast!

If you fall victim to a scam or suspect your account information is compromised, act fast! The sooner you notify us, the quicker we can help you resolve the situation and protect your finances.

1. Contact AmeriCU Immediately – We’re here to help, and we can take quick action to limit the damage.
2. Review Your Credit Report – Check your credit reports for any suspicious activity.
3. Freeze Your Credit – Protect your financial identity by freezing your credit with the major bureaus:

Experian Credit Freeze

TransUnion Credit Freeze

Equifax Credit Freeze

4. Freeze ChexSystems – If someone has stolen your personal information, freezing your ChexSystems report will prevent any new savings or checking accounts being opened in your name. You can login or register for a ChexSystems account by clicking here.

Your Privacy is Our Top Priority
At AmeriCU, we take your privacy seriously. We’re fully committed to protecting your personal information. Curious about how we handle your data?

Member Privacy Notice

European Union Privacy Notice

Know Your Enemy: Types of Scams to Watch Out For

ATM/Kiosk Skimming

Phishing (fraudulent emails and websites)

Vishing (voice phishing—yep, they can call!)

Text Message Scams (Smishing)

Protect Your Loved Ones from Elder Financial Abuse

Financial abuse is not just a scam—it’s a real and serious threat to vulnerable older adults. Stay alert and protect your loved ones with these helpful resources:

Tips for Preventing Elder Financial Abuse

Elder Abuse Roadmap

Adult Protection Services at your Local Department of Social Services

Resources to Keep You Safe

Take advantage of these government resources and guides to help protect yourself and your information:

NYS Department of Financial Services

NCUA (National Credit Union Administration)

Consumer Financial Protection Bureau (CFPB)

Federal Trade Commission (FTC)

Stay Vigilant. Stay Safe.

By staying informed and following these tips, you can help protect yourself and your family from identity theft and fraud. Knowledge is power—share these tips with friends and loved ones so everyone stays protected! If something doesn’t feel right or if you suspect you’ve been targeted by fraud, reach out to AmeriCU immediately. Early detection is key, and we’re here to help you every step of the way.

AmeriCU—Your Privacy, Our Commitment to You.