Fraud Protection

If your credit or debit card has been lost or stolen, it's important to report it immediately.

Please call (800) 528-2273 to report your lost or stolen card!

Generally, it takes 7-10 business days to receive your new card in the mail. However, if you need a replacement sooner, visit any CU1 branch or ask a Member Service Representative for alternative delivery options.
We are here to help!

If you suspect an e-mail or phone call from Credit Union 1 is fraudulent, please call us immediately or e-mail your concerns to

Electronic Fraud Protection

In today’s electronic world, it’s important to know safety measures you can take to protect your private information. With help from Credit Union 1, you can safeguard yourself from fraud and learn what to watch for in suspicious situations! Follow the steps below for a head-start on fighting fraud:

  1. Keep your CU1 contact info current. To ensure CU1 mail reaches your eyes only, be sure to give us your correct address. To update, visit the More Options tab of OnLine Access!
  2. Create a unique OnLine Access ID and password. Instead of using your member number to sign-in to OnLine Access, you can now customize your username. Visit the More Options tab of OnLine Access and click Security Settings to update. While you're at it, strengthen your password. The following characters are defined as “special characters” that meet OnLine Access and mobile banking password requirements:
    ! @ # $ % ^ & * ( ) = + / \ { } [ ] ` ~ < > ?
  3. Toughen up your security questions. These days, you can visit a person’s social media page to learn quite a bit about their life. This means your OnLine Access security questions should be extra difficult to guess. Don’t use your hometown, siblings’ names, or anything else that can be easily located online! To update your security questions, visit the More Options tab of OnLine Access and click Security Settings.
  4. Report lost or stolen cards immediately. If your credit or debit card is missing, don’t assume it will resurface. Report your cards immediately by calling 800 528-2273, just in case they’ve fallen into the wrong hands (and not between the couch cushions).
  5. Don’t respond to unfamiliar requests. Credit Union 1 will never initiate a request for your private information via phone, email or text. If someone contacts you regarding your account, call CU1 immediately to verify the person’s identity!

If a fraudster does get hold of your account information and uses it to electronically transfer funds, such as with your debit or ATM card, you are protected from liability if you notify CU1 as soon as you become aware of the fraudulent activity.* We’re here to help, so let us know immediately!  

*If you are a victim of a fraudulent Electronic Funds Transfer, your loss will be limited to $50 if you notify CU1 within two business days. Your loss could be up to $500 if we are not notified within two business days, or loss could be unlimited including maximum overdraft fees if we are not notified within 60 business days.

Physical Fraud Protection

With the tips above, you’ll soon be well-versed in how to protect your private information from prying eyes. However, fraud doesn’t just occur electronically! Your “hard copies” of account information must be protected as well – even in the safety of your home or wallet.

  • For your protection, credit and debit cards come with security measures such as a signature panel and/or PIN to verify the user’s identity. However, it’s still important to limit the number of cards in your wallet. If you have cards that aren’t necessarily used on a daily basis, keep them locked up at home instead!
  • PINs and passwords are an additional vulnerability that should not be stored in your wallet. If possible, memorize your passwords instead of writing them down! If you need written copies, keep them locked up – not carried with you. Regularly changing your passwords, along with incorporating numbers, symbols and upper/lower case letters are all measures that will ensure your accounts stay safe and secure.

Know the Lingo

  • Phishing is an attempt to gain your information through e-mail or websites pretending to be a company you use. These false companies may request that you “verify” your information for continued service.

  • Vishing is an attempt to gain your information by phone, whether by a real person or automated message. Callers may pretend to represent a company you use and request that you “verify” your information for continued service.

  • Smishing is a form of identity theft that uses cell phones. Text messages are sent to you that claim your account has been compromised and instruct you to text or call back with your private information.

If anyone contacts you for private information, do not give it out. Instead, find the company’s phone number in the phone book or on their website and call them directly to confirm the message. Solicitation for your private information is always 100% fraudulent!

Quick Tips

  • Familiarize yourself with communications from all companies you do business with.
  • Know that no company will ever solicit personal/private information via e-mail or text message.
  • Be aware that communication regarding your accounts is always sent by mail or through your secure account access online.
  • If anyone calls you and you don't know him/her, you have the right to hang-up. Then, call the company back and ask to be transferred to that person.
  • If you are ever unsure of the validity of a communication, trust your gut and contact the company ASAP.

Credit Union 1 is committed to maintaining a safe, secure environment for your accounts. By protecting your passwords, PINs, member numbers, etc. at home, you can be an important first line of defense! Keep a close eye on your private information, if you suspect an e-mail or phone call from Credit Union 1 is fraudulent, call us immediately or e-mail your concern to

Fraud Forms

Affidavit of Forgery

Affidavit - Fraudulent Use of Credit, ATM or Debit Card

Affidavit – Fraudulent OnLine Bill Pay Telephone and wire Service Activity


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