Digital Safety Tips & Fraud Protection

Fraud Deep Dives

Visit our blog for a more in-depth look at some of the most harmful scams running today and how to avoid becoming a victim.

A Note to Members:

Protecting you and your personal information is our top priority. Recently Scammers are now employing the devious tactic of spoofing our and other financial institutions phone numbers to trick individuals into divulging sensitive personal information. To shield yourself from fraud and scams, staying informed is key. 

Across the country, financial institutions are dealing with these scams. Numerous deceitful text messages and phone calls mimic the appearance of communications from financial institutions, urging members to validate information or confirm purchases by sharing credit card details and entering specific numbers on their phones. Despite their seemingly authentic nature, these communications are scams, with fraudsters manipulating the caller ID to make it seem like they originate from the financial institution. 

No representative of IRFCU will ever request your PIN, the 3-digit security code on the back of your credit or debit card, or any other personal information, either via phone or text message. We categorically assure you that we will NEVER prompt you to input or text any number or code on your phone.  

We urge all members to exercise extreme caution and be wary of any unexpected calls or messages that seem suspicious. If you receive such a call claiming to be from our credit union, refrain from sharing any personal details and contact us directly using the official contact information provided on our website or documents. 

If you are concerned that you have been a target of one of these SCAMS, you can temporarily lock your card directly from your mobile app until you are able to contact an IRFCU representative directly.  

Password Protect Your Device

You should always use a password, fingerprint, or face ID to protect your device. Making sure you have one of these protection methods in place can keep you safe if someone tries to hack or steal your device.


Always enable the auto-lock feature on your devices. On top of that, select the shortest auto-lock time available.

Do Not Use Public WiFi

Avoid using public WiFi especially if you want to access your accounts. Scammers can target you and your devices when using public WiFi networks.

Links and Attachments

Never click random links. Always verify the legitimacy of links before clicking them. It’s always better to err on the side of caution. The same goes for downloads. Make sure any APPs you want to download are legitimate and are from mainstream app stores.

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