Safeguard your account information and identity.

With so many electronic transactions taking place every day, it's important to spot the signs of fraud so you can avoid it. We provide many tools and resources to help including Kasasa Protect, a comprehensive identity protection and restoration solution. For more details open the Fraud Protection Resources link below. 

You use your debit card every day for convenient purchases and other transactions. Here's how to keep it safe.

Get the CardValet App

CardValet helps you manage your finances, while protecting you from fraud, by controlling how, when and where your MTCU debit card is used through your smartphone. You can turn your card on/off, set up GPS parameters for spending, block certain types of transactions, monitor children or student purchases, and receive alerts each time a purchase is made.

Lost Debit or Credit Card

Here's what you need to do:

  1. Take a few minutes to retrace your steps. Try to remember where you were when you last saw your cards. Check around your house, and place a call to the restaurant, gas station or store that you may have visited in the past few days. If the search fails to locate your lost cards, move to the next step immediately.
  2. Once you believe that your cards are lost or stolen, call MTCU at 1-800-472-3272 and any applicable credit card companies as soon as possible to limit any potential liabilities. Cancel your missing cards and then request that new ones be issued. Change the PIN, login and passwords on other accounts that use the same access codes as those on the missing cards. Experienced customer service representatives are ready to assist you.
  3. Keep an eye on your credit union and credit card statements for any unauthorized transactions. If you notice anything unusual, write down the processing date, the amount and the name of the merchant. Contact the applicable financial institution to pass along the information about the fraudulent transaction so that they can conduct an investigation.
  4. Contact creditors, insurers and other companies that receive regularly scheduled payments tied directly to your lost debit or credit card. Provide the company with the number and expiration date from your new card so that you can continue to receive goods and services.

A lost or stolen debit or credit card does not have to be a disaster. Knowing what to do and how to report the problem will minimize the severity of the situation and allow you to maintain control of your finances. If you would like more information on how to handle a lost or stolen bankcard, contact our office for assistance.

Traveling with your MTCU VISA® Debit Card

While traveling with your MTCU VISA® Debit Card, Debit card usage is restricted to U.S.-based transactions unless you complete an MTCU Debit Card Travel Letter to enable PIN based usage while traveling overseas. When traveling inside the U.S., please use your pin number to minimize card restrictions

 

Phishing

The Texas Credit Union League (TCUL) has been advised of a new phishing attack that targets credit union members. The attacks come in as an email urging members to update their data online. When members access the fraudulent site, their user credentials and account details are requested. Phishing is a high-tech scam that uses spam or pop-up messages to deceive unsuspecting consumers into disclosing their credit card numbers, bank account information, Social Security number, passwords, and other sensitive information. Phishers send an email or pop-up message that claims to be from a legitimate business or organization, and the message usually asks that the recipient update or validate his/her account information.

OnGuard Online

OnGuardOnline.gov provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer and protect your personal information.

Fraud Help Resources - General ID Theft

These resources are helpful for learning more about combating fraud.

 

Credit Bureaus

Contact the three major bureaus to report fraud and order a credit report.

  • Equifax: To order a report, call 800-685-1111; to report fraud, call 800-525-6285.
  • Experian: To order a report or report fraud, call 888-397-3742.
  • TransUnion: To order a report, call 800-888-4213; to report fraud, call 800-680-7289.

Check Fraud

If you suspect fraud, contact these organizations:

  • CheckRite: 800-766-2748
  • ChexSystems: 800-428-9623 or 800-328-5121
  • Cross Check: 707-586-0551
  • Equifax: 800-437-5120