Safeguarding Your Information
Working Together to Stay Ahead of the Bad Guys
Computer systems at ATFCU are continually monitored and regularly upgraded to ensure that your personal and financial information is kept private. We use multiple security layers and protocols to keep your accounts protected.
Working together is vital. Member awareness and vigilance is the most effective tool in this battle. This page contains information about how you can stay safe online. We will use it to keep you informed of fraud and scam trends that might affect you.
It is possible to outwit the scammers. Keep reading to learn their methods.
ATFCU Will Never Request This Information
Your financial information is securely stored within our systems – there’s no reason we would ask. However, scammers (who are able to spoof ATFCU phone numbers) are very eager to learn more. If someone who identifies themself as an ATFCU employee calls, texts, or emails requesting any of the following information, disconnect immediately.
- The last 4 digits of your credit card or debit card number
- Your full credit card or debit card number
- The 3-digit security code (CVV) on the back of your credit or debit card
- Your full Social Security number
- Your digital banking username
- Your digital banking password
- Your driver’s license number
- Verification codes or Multi-Factor Authentication (MFA) codes
We will never text or email you to request password or username changes and we will never send you a link to log in to your online banking account.
Do You Think You've Been Hacked?
If you feel that your device, account, or information may have been hacked, take these steps as quickly as possible.
- Change your digital banking credentials (username and password) immediately. This can be done in the Settings section of either the app or desktop banking.
- Call us at 325-677-2274 or 800-677-6770. Ask for the Fraud Department. During non-business hours, send an email to atfcu@abileneteachersfcu.org
- Have your device professionally scanned for malware at a local, walk-in phone or computer repair service company. Do this in person. Do not agree to an online cleaning or scanning by anyone, including relatives.
- Change the password on your email account(s). For example – if your email address ends in gmail.com, change your Google password.
Be Proactive
Abilene Teachers FCU has many ways to help you protect your accounts. Most of the tools described below are available in our digital banking platforms – the ATFCU mobile app for smartphones and tablets and/or ATFCU’s desktop banking for computers.
Security Strategies We Recommend
- Keep us informed of changes in your mailing address, your email address and your phone numbers. Quick timing is often essential when suspicious activity is underway. We could need to make quick contact.
- Monitor your account(s) regularly for unusual transactions. Monthly checks are no longer adequate. Daily tracking can help you notice irregularities right away.
- Quickly lock or unlock your ATFCU debit and credit cards by using the Card Management feature in digital banking.
- Set up alerts to stay informed about activity on your accounts. You can specify dollar amounts, merchant categories, geographic locations, and more.
- Sign up to receive eStatements and eNotices to help reduce the risk of identity theft from stolen mail.
- Enable facial recognition in the ATFCU mobile app.
Never Stop Learning
We have additional fraud information available for those wishing to take a deeper dive. Whether you are adding to your own knowledge or advising others, keep in mind that cybercriminals are pros. They’re trained to scare you, to build urgency or, if the situation requires, they will speak like a trusted friend.
The vast majority of offers that feel too good to be true, are indeed, not true. Trust your instincts when something about a situation feels odd or unusual. Call our Fraud team at 325-677-2274 or 800-677-6770 anytime you would like an experienced opinion.
Our list of common scams presents a wealth of information in a short, easy to read format. We also offer quite a few blog posts that will boost your financial savvy.
Outside Resources
Here are some nonprofit and government resources we recommend.
The Federal Trade Commission has two specialty websites to assist in fighting this continuing problem.
- To learn more about scams or to make a fraud report, visit their Consumer Advice section
- For more information on reporting and recovering from identity theft, visit IdentityTheft.gov
The National Credit Union Association (the same agency that insures your deposits at ATFCU) also runs a Fraud Protection Center
Consumer Reports ($39 annual membership) is a nonprofit organization that offers a truly outstanding Fraud Information Center which is regularly updated with the latest scams.
AARP ($15 annual membership) is another nonprofit with a focus on fraud. Their Fraud Watch Network offers articles and a call center where you can speak to fraud specialists.
Finally, there is a stand-alone Security page on our website that is written by one of AFTCU’s security training partners. It is comprehensive, complex, interesting and not for the faint of heart! We suggest viewing it in small doses.