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Protecting your Accounts

Scam techniques are always changing and evolving, which makes it hard to differentiate between what is true and what is false. We want you to be informed so that you can keep your accounts secure.

Below are a few red flags to look at to avoid being scammed as well as some best practices.

  • Pressured to send money

  • Threatened with law enforcement action

  • Told to purchase gift cards and provide codes as a form of payment

  • Asked to cash a check for a stranger or send money via wire transfer or through a payment app

  • Asked to deposit a check that overpays for something you're selling, then send the difference elsewhere

  • Asked for your account and routing information

  • Asked for your full debit/credit card information

  • Never provide your online banking login credentials by email or text, or phone call. Using their published phone number, reach out to your financial institution to confirm that the request is legitimate.

  • Your financial institution will never call you to request information you received via text (SMS) or pressure you to reset your online banking login password.

  • Never trust caller ID; Caller ID may be modified to show your financial institution’s name and number.

  • Only call your institution from the phone numbers available on their public website.

  • Never give information over the phone if you receive a call stating that a transaction is canceled, even if the caller claims to be from your financial institution. Once again, contact your financial institution using a published phone number to inquire about the transaction.

  • Never click on links in unsolicited emails or texts.

  • Never give an unsolicited caller remote access to your computer.

  • Do not respond to texts, calls or emails for one-time passcode authorizations that you did not request or validate the login.

If it plays with your emotions or sounds too good to be true, it’s likely a scam!

The Federal Trade Commission has several tips for preventing fraud and identity theft, including:

  • How to protect your identity

  • How to recover from identity theft

  • Free resources to share with your community

  • Prevention resources for:

    • Law enforcement

    • Attorneys and advocates

    • Businesses

Take control of your LutheranFCU Debit/Credit Card with CardNav!

This free app allows you to turn on/off your card instantly in case you lose it or misplace it!

  • Manage how, when, and where your cards are used—on your own terms. CardNav enables you to set controls regarding the transaction types, geographic rules, and the merchant types where your card can be used

  • Ensure you are the only person using your cards

  • Turn your cards into active budget participants

  • Receive alerts when suspicious activity is suspected

  • Stop fraudulent activity before it even happens with the alert feature of CardNav. Based on your preferences, CardNav can send you real-time alerts when your card is used outside of your chosen preferences, giving you the power to deny the transaction or turn your card off