Notices and Useful Links
Lost Card?
Please contact the credit union immediately if your Visa or Instant Cash and Check card is lost or stolen. If it is after hours, please call the following numbers:

Visa Credit Cards: 1-800-991-4965
Instant Cash and Check Cards: 1-800-535-8440

You still need to notify the credit union so we can order a new card.

Fraud Updates
We are seeing a high volume of fraud activity on credit and debit cards. To protect our cardholders, we have blocked states and countries with a high incidence of fraud. Listed below are the states we currently have blocked. We can temporarily open them for you if you let us know you will be there.

Visa Credit Cards: California, Florida, Georgia, Louisiana, Nevada
Instant Cash and Check Cards: California, Florida, Georgia, Virginia

Scam Alerts
Scam attempting to obtain CVV
A new twist on phishing aims to obtain the three-digit security code printed on the back of Visa and MasterCard credit and debit cards. The phishers are trying to get enough information to perform fraudulent card-not-present transactions (internet, telephone, and mail-order purchases). Under this scam, a telephone call is placed to a legitimate cardholder. The caller claims to be a representative from Visa or MasterCard informing the cardholder of suspicious activity. The caller provides details of an unusual transaction and asks if the cardholder made this purchase, which of course, the cardholder did not. The cardholder is then asked to verify possession of the card. To do so, the cardholder is asked to read the three-digit security code on the back of the card. The caller does not ask for the credit or debit card number, and that is why some members are fooled into believing the call is legitimate. But the fraudster already has the card number; what they don't have is the three-digit security code from the back of the card.

The three-digit code on the back of the Visa or MasterCard card is a security tool used for non face-to-face transactions. When conducting transactions that are not face-to-face, many merchants will ask the shopper for the three-digit code to complete a card authorization. Never respond to any email, telephone call, voice message, text message or letter received though the mail that requests personal and financial information, including the three-digit number on the back of the card.

Scam that involves unsolicited text messages sent to cell phones
The message urges the recipient to call a number provided for information about account discrepancies and then solicits individual account information and pin numbers. Cell phone users should be weary of unsolicited text messages. Such messages should be deleted and all deleted text messages should be removed, if possible, as the perpetrators have been known to use Spyware1 in conjunction with their text message solicitation. Such a scam could be used to obtain personally identifiable information and credit union account access information, for those who access their accounts using their cell phones.

1 Spyware is software installed on your computer or cell phone without your consent and it monitors or controls your use of the device. It may be used in your cell phone for such things as monitoring your Internet surfing, activating your speaker phone as a listening device, taking pictures with your phone camera, copying your contacts, or recording your keystrokes, which, in turn, could lead to identity theft.

Scam text message appearing to be from the credit union
We will never ask for our members account information in an unsolicited text message! If you receive a text asking you to verify any account information, do not respond!

Scam e-mail appearing to be from the credit union
Any e-mails you may receive appearing to be from us and asking for account information are scams. We will never ask for our members account information in an unsolicited e-mail or phone call!

Identity Theft
1. Keep your numbers to yourself - Never give out personal information by phone, email or text unless you initiated the contact and you are sure who you are dealing with. Do not carry your Social Security card in your wallet or purse.

2. Stay safe online - Use a firewall, anti-spyware software and anti-virus software. Be sure to keep these programs up to date. When shopping online, make sure you are on a secure web site. Look for a locked padlock in the lower right-hand corner, and "https" in the web address.

3. Monitor your credit reports - By law, everyone is now entitled to a free report from each of the three major credit bureaus (Experian, Equifax and TransUnion). Simply order one report every four months and watch for changes or suspicious account activity. To order your free report, go to
www.annualcreditreport.com.

Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.

Useful Links
Fargo Public Schools
NADA Guides
Visa ScoreCard Rewards