We all must be on guard to protect our personal information from fraud. Identity theft occurs when someone uses your personal information without your permission to commit fraud or other crimes. Your personal information can be stolen in several different ways including scams posing as a legitimate businessperson, financial institution, or government official.
Fraudsters attempt to obtain your personal information in many ways including posing as your financial institution in an email, text message, or other electronic forms.
IMPORTANT REMINDER
Members Trust employees will not request your personal information in an email or text message (SMS) and will not initiate a call to you on the phone and ask for your personal information such as member number, account number, credit card number, or debit card number, etc. without you contacting us first for service. If you are uncomfortable, please hang up and call us back directly or call the number listed on the back of your debit or credit card.
Quick Tips
TIP 1: Don’t Give up Personal, Company, or Confidential Information
Members Trust will never ask for personal credentials via phone, text, or email.
TIP 2: Beware of Urgent or Threatening Language in the Subject Line
Invoking a sense of urgency or fear is a common phishing tactic. Beware of subject lines that claim your “account has been suspended” or ask you to action an “urgent payment request.”
TIP 3: Don’t Believe Everything You See
Phishers are extremely good at what they do. Many malicious emails include convincing brand logos, language, and a seemingly valid email address. Be skeptical when it comes to your email messages—if it looks even remotely suspicious, do not open it.
Privacy
How does Members Trust handle your personal information? Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect information.
You can learn why, what, and how Members Trust FCU handles your personal information by reviewing our Privacy Policy here.
Card Security
As a cardholder, you can take steps to protect yourself from card fraud, such as safeguarding your personal identity information. Members Trust also helps you to be vigilant against fraud with systems and tools available to you.
- Chip Cards enhance security to protect from fraud on both credit and debit cards. All Members Trust cards include chip technology for your protection. A microchip embedded in the card adds a layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.
- MTFCU Card is a FREE mobile app that keeps tabs on your Members Trust credit and debit cards 24/7, directly from your Members Trust Mobile Banking App. MTFCU Card Control is a great tool for controlling both personal and business spending on your Members Trust cards. Review balances and transactions similar to online banking but with additional features. Control spending by setting limits or merchant types. Prevent fraud with alerts or turn your card off if you notice it is missing.
- Text Fraud Alerts is a FREE service that helps protect you by immediately alerting you of potential fraud on your Members Trust Mastercard® Debit Card through real-time engagement.
- Are you leaving the country? Let us know. Due to significant fraud originating from foreign countries, Members Trust Credit Union protects cardholders by limiting transactions outside the U.S.A. If you plan to use your Members Trust Platinum Rewards Credit Card or your Members Trust Debit Card while traveling or purchasing merchandise from foreign countries, please contact Members Trust Credit Union in advance.
Report It Immediately
If you feel your account, card, or credit history has been compromised, report this immediately to the appropriate company. Also file a report with the Federal Trade Commission at:
With fraud on the rise, we’ve got to be more vigilant to protect ourselves, our personal information, and our money!