

Detect and Protect: Guard Against Scams
Team One will NEVER call, text, or email you to ask for your PINs, passwords, account numbers, card numbers, or authentication codes. Funds lost due to scams may not be reimbursed.
Your security is our top priority.Below are some simple steps that can help you spot scams and keep your account protected.
Credit Card Fraud Protection
Credit card fraud is extremely prevalent. Taking proactive steps can help you stay ahead of emerging scams.
- Enable Purchase Alerts to receive real-time notifications anytime your card is used so you can spot suspicious activity right away.
- Report lost, stolen, or unusual card activity immediately by contacting our Fraud Department.
Credit Union Website Legitimacy
Fraudsters often spoof credit union websites, email addresses, and phone numbers. Verify that you’re connected to the correct site, email domain, or phone number before sharing personal information.
- Check the website address for exact spelling. Be cautious of look-alike sites or misspelled domains.
- Type the URL manually rather than clicking on links.
Keeping Your Accounts Secure
Create Strong Passwords
- Create unique, strong passwords for each of your accounts.
- Use a combination of uppercase and lowercase letters, numbers, and special characters.
- Avoid using easily guessable information, such as your name or birthdate.
- Enable multi-factor authentication (MFA) whenever possible.
Be Cautious with Personal Information
- Be wary of sharing personal information on social media platforms and unsecure websites, as it can be used by hackers to gain access to your accounts.
- Exercise caution when accessing public Wi-Fi networks. Avoid accessing sensitive accounts (like banking or shopping) on unsecured networks.
Keep Your Devices Up to Date
- Turn on automatic updates to ensure your operating system and apps stay secure—without needing to think about it.
- Check for updates manually if automatic options aren’t available, especially on less frequently used devices.
Exercise Caution with Unfamiliar Websites and Email Links
- Avoid clicking on suspicious links in emails, texts, or social media.
- Hover your cursor over a link to see the actual website address before clicking.
- Look for URLs that begin with "https" and feature a lock icon (pictured below) before entering personal information. Secure site seals can indicate a trusted site.
Be Skeptical of Unexpected Contact
- Be cautious of unsolicited phone calls, emails, or text messages requesting personal information such as card or account number.
Be Cautious When Shopping Online
- Shop only from reputable, well-known online retailers.
- Verify the legitimacy of a website before making a purchase.
- Use secure payment methods such as credit cards, PayPal, Apple Pay, or Amazon Pay.
Take Action
- Trust your instincts. If something feels off, take precautions.
- If you receive a request that seems legitimate, verify it by contacting the company directly using the phone number or email listed on their website.
At Team One Credit Union, we are here to support and guide you in protecting your personal information. If you have any concerns or questions, please don't hesitate to reach out to our dedicated team.