Preventing Fraud & ID Theft

Your Security is Our Priority

 

We're Dedicated To Financial Security

Banking with SMCU means safety and security when it comes to your money. While we work to protect your assets, staying informed is your best line of defense. Below, you’ll find the tools and information you need to keep your identity and accounts secure.

 

Real-Time Fraud Monitoring

To provide an extra layer of protection, our Fraud Prevention Team continuously monitors your debit card for unusual activity.

  • Proactive Alerts: If we spot a suspicious transaction, we may contact you directly to verify it.

  • If We're Unable To Reach You: Our Fraud Prevention Team will leave a message asking you to call them back at (833) 735-1894 to verify your card activity.

  • Need to Contact Us? To discuss suspicious activity on your card, call our Fraud Prevention Team directly at (833) 735-1894 or call our Member Solutions Center at (508) 490-8000.

NOTICE: SMCU will NEVER ask for personal details like your full Social Security number, PIN, or account numbers via text, email, or the internet. If you receive a suspicious request, contact us immediately at (508) 490-8000. If you would like more information about how we keep your information private and secure, please review our Privacy Policy.

 

Traveling & Out-of-State Security

To protect you in high-risk areas, we may restrict certain out-of-state transactions to PIN-based approvals only.

  • What this means: You can still use your card for PIN transactions, but signature-based purchases may be declined. This prevents fraudsters from using a stolen card number without your secret PIN.

  • Planning a trip? Whether you are traveling domestically or internationally, please call our Member Solutions Center at (508) 490-8000 first. We’ll review your plans to ensure your card works seamlessly at your destination.

 

Helpful Security Resources

 

Credit Reporting Agencies