Fraud & Identity Theft Help

Latest Fraud Reports: (click any item for more information)

MAIL SCAM: Fraud Protection Plus Letter Scam
CHECKING SCAM: Counterfeit Teller Checks
PHONE SCAM: Fraudulent Medicare Verification Call

SCCU is committed to keeping your accounts and personal information secure. The information available in this section will help you understand fraud and provide you with ways to protect your accounts and identity.

Space Coast Credit Union, the NCUA, CUNA, CUNA Mutual, or any other organization pertaining to credit unions will never contact you via telephone, email, or text message to ask for personal account information such as complete social security numbers, account numbers, or credit or debit card numbers. Authorized SCCU representatives may contact you in certain instances to verify specific information prior to processing certain types of requested transactions you have initiated; you have the right as our credit union member to ask for the representative’s direct contact information in order to initiate a return phone call using our official published numbers in order to provide this information to complete your transaction. When you contact SCCU directly using the published phone numbers on our website and materials, you will be asked for account identifying information in order to verify and protect your account from fraud.

SCCU strongly encourages all members to take the steps necessary to protect themselves against fraud; commercial (business) members particularly should complete periodic risk assessments to understand emerging threats.

In addition to the content and resources listed below, you may also want to consult the following government websites for additional information on protecting your accounts and identity:

OnlineOnGuard.gov : The federal government’s website to help you be safe, secure, and responsible online
FTC.gov : One-stop national resource to learn about the crime of identity theft.
NCUA.gov: Information from the NCUA to assist in the effort to recognize, prevent, and report fraud

Examples of Current Scams and Other Fraud

SCCU is committed to keeping your accounts and personal information secure. We have a number of security measures in place to help protect you, including industry-standard technologies such as usernames and passwords, encryption and firewalls. We do not sell or share your private information with unaffiliated businesses.

Because protecting your accounts and identity is a partnership, this page provides some additional information about common scams, steps you can take to protect yourself against fraud, and what to do in the event that you experience fraud.

The links below provide examples of specific fraud issues and steps to take if necessary.

How We Help Protect You

SCCU is committed to keeping your accounts and personal information secure. We have a number of security measures in place to help protect you, including industry-standard technologies such as usernames and passwords, encryption and firewalls. We do not sell or share your private information with unaffiliated businesses.

Because protecting your accounts and identity is a partnership, this page provides some additional information about common scams, steps you can take to protect yourself against fraud, and what to do in the event that you experience fraud. You should notify the Member Service Center if you plan on traveling, or will be conducting transactions that are out of the ordinary from your usual transactions. In addition, it is essential to keep your contact information, telephone plus area code, up to date so we can contact you immediately, when necessary.

Protecting yourself against fraud does not require a great deal of effort, but it does require awareness and caution.

  1. How Identity Theft Works

    How Identity Theft Works

    Identity theft is a serious crime where people try to obtain and illegally use your personal or financial information for their own gain, like your name, address, date of birth, Social Security number, bank account numbers and PINs, and credit and debit card numbers.

    Here are just a few ways in which thieves might obtain your identity:

    • Search your trash - it's called "dumpster diving."
    • Intercept your mail
    • Steal your wallet or purse
    • Get information directly from you by posing as telemarketers or as someone claiming to be from a legitimate business, like a financial institution or credit card company. They even use fake e-mails and Web sites to try and obtain information from you.
      Learn More

    At fakechecks.org, you can find out more about common scams and how to prevent yourself from scammers and identity thieves.

  2. What to do if Identity Theft Happens to You

    What to do if Identity Theft Happens to You

    Here is a government site with step-by-step instructions to help you regain your identity.
    Learn More

  3. Quick Tips to Help Protect Yourself

    Quick Tips to Help Protect Yourself

    Here are some tips to help you keep your personal information safe and reduce your risk of becoming a victim of identity theft.
    Learn More

  4. Phishing email Scams

    Phishing email Scams

    The number of "phishing" scams that are delivered through spam Email and pop-up windows is increasing, as well as their cleverness at deception. Scammers send out millions of "urgent" e-mail messages or links to the Web sites that are set up to appear as if they are from reputable and trusted businesses, like a financial institution or credit card company, trying to get you to provide your personal, financial or other account information. The e-mails and Web links go as far as using the logo of the legitimate company, and the pages look very much like the real company sites.
    Learn More

  5. Vishing phone scams

    "Vishing" phone scams

    SCCU would like to make you aware of the latest twists scammers are using to commit identity theft: "vishing" (short for "voice phishing"), customer survey phishing, and the jury duty scam. The scenarios may vary, but these scams always involve a request for your account information. Do not respond to these requests or any other unsolicited requests for personal or account information.
    Learn More

  6. Current Scams and Other Common Fraud

    Common Account Scams Involving Contests/Lotteries ("You've Won!") and Check Cashing Requests

    One of the most common account scams is the "Contest Winner." Potential victims are contacted and told they have won a contest or lottery. But, in order to claim their prize, they are told they must send a certain amount of money (described as a tax), or provide account information so a direct deposit can be made. If you give out your account information, you're giving the scammer what he / she needs to withdraw funds from your account. Some scammers will go as far as to send a bogus cashier's check or money order as your "prize." The scenario varies, but account scams always involve a request for money. No legitimate prize venue would ever ask you for money in order to collect your prize. Do not respond to these requests, or any other unsolicited requests for personal or account information.
    Learn More

  7. Deceptive Mail Offers

    Deceptive Mail Offers

    Misleading mail solicitations come in many forms.
    Learn More

  8. How to Report Mail Fraud

    How to Report Mail Fraud

    If you receive a fraudulent or misleading offer by mail, or if a company failed to deliver an item you purchased, you may report it to:

    U.S. Postal Inspection Service - Mail Fraud Division

    Mail Fraud Schemes
  9. Tips for Safe Banking Over the Internet

    Tips for Safe Banking Over the Internet

    The National Credit Union Administration (NCUA) offers some safety tips and information that can help you avoid costly surprises or scams.
    Learn More

  10. Cyber Security Tips

    Cyber Security Tips

    The U.S. Computer Emergency Readiness Team (US-CERT) offers a series of tips and advice on how to protect your computer from security threats.
    Learn More

  11. Request a Free Credit Report/Deal with Errors on Your Credit Report

    Request a Free Credit Report/Deal with Errors on Your Credit Report

    The Fair and Accurate Credit Transactions Act (FACTA) entitles you to a free copy of your credit report every 12 months. Get more information on how to request your free credit report.

    Keeping tabs on your credit report is important and you have the right to correct errors on the report. Find out more about how to deal with errors on your credit report

  12. Online Banking Terms & Conditions