Fraud Protection & Prevention | How to Avoid Scams | GECU

SAFEGUARD PRIVACY

Fraud Prevention Tips

Learn how to avoid scams and prevent fraud with our tools and tips to keep your money and identity safe.

Safeguard Privacy and Security

How to prevent fraud

  • Stop and analyze: Is the seller, company, charity or organization credible? Contact the local or state consumer agencies to verify the legitimacy of the company. Verify the phone number on the company’s website.
  • Keep information safe: Scammers can email, call, text or send a message on social media asking you to verify your personal information. Do NOT give them any information, including one-time passcodes. Most reputable companies will not initiate contact to ask for your information.
  • Contact your financial institution: If you’ve given out your personal information or one-time passcode, time is of the essence. The sooner you contact your financial institution, the better.

If your information has been compromised, immediately call GECU toll-free at 1.800.772.4328, or 1.800.810.2252 after hours.

VIEW COMMON SCAMS
How to Avoid Scams and Protect Your Information

Card Control

Card Control1 lets you turn misplaced cards on and off, limit spending amounts, receive spending-limit alerts and more. Enroll in Card Control today by logging in to your GECU Online Banking account or the GECU Mobile App!
Learn more about Card Control

Review your financial statements

Avoid financial scams by reviewing your account and credit card statements monthly to report any suspicious activity as soon as you notice it.

Protect your paperwork

Retrieve your mail promptly and use USPS mail receptacles for outgoing mail. Keep financial records, statements, tax returns, receipts, and anything else with personal information in a safe place or shred any documents before throwing them away. 

Keep devices updated

Make sure that your computer and other electronic devices have a trusted anti-virus software and that the software is up to date.

Avoid the unfamiliar: phishing scams

Do not click on unfamiliar links or links that you did not expect to receive. Don’t respond to unfamiliar messages on social media, especially if they are asking for personal information. 

Act quickly

If you think that you have been a victim of fraud or gave out your information, don’t be afraid to reach out to your financial institution immediately.
We’re Here to Help You With Fraud Prevention
  • What scams are fraudsters using today?
    Fraudsters continually change their tactics with new scams. Some of the most prevalent scams today include unemployment benefits fraud scams, romance scams, lottery scams, work scams, classified ad scams, email phishing scams, and social media scams. Learn about common scams.
  • What is phishing?
    Phishing is a tactic used by scammers to trick people into providing the password and username for their online accounts by sending links in emails or text messages that look like they are from a legitimate source.
  • What should I do if I have become a victim of fraud?
    • If your account information has been compromised, please call us immediately at 1.800.772.4328.
    • If your GECU debit or credit card has been compromised, please call our card services department immediately at 1.800.810.2252.
    • We can guide you through the process of filing a fraud or dispute investigation based on the fraudulent activity that’s being reported.2
  • What happens after filing a fraud or transaction dispute investigation?
    Generally, the dispute will proceed but is not limited to the following steps:
    • We will begin investigating your dispute as soon as you notify us.
    • We may close your account or card to prevent additional fraudulent activity.
    • We may request you to provide and complete supplemental documentation.
    • As determined by the investigation, GECU may issue a provisional credit to your account within 10 business days from the date that the dispute is initially received.
    • If your claim is determined to be valid, the provisional credit that has been issued becomes permanent, and the claim will be closed and completed.
    • If your claim is determined to be invalid, you must return the provisional credit and GECU will debit your account for the entire amount of the provisional credit.
    • GECU follows regulatory requirements of time limits for investigations. Generally, the entire process could take up to 90 days for a fraud investigation and up to 120 days for a dispute investigation.  
    • Once the investigation is complete, you will be notified in writing.
    • Remember that your GECU debit and credit card are backed by Mastercard Zero Liability.3

    For more information, call 1.800.772.4328 or chat with us now.
View all online help topics

Disclosures

+ -
Membership eligibility is required.
1Intermittent disruptions as a result of network performance issues and outages beyond our control may delay card control service functionality.
2To limit your liability and additional fraud on your account, you must report a fraudulent or disputed transaction within 60 calendar days of the delivery date of the statement on which the transaction first appears. Additional conditions apply. Refer to your GECU terms and conditions for details.
3Under Mastercard® Zero Liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us; otherwise, your liability will be determined by the GECU terms and conditions.
CLOSE

BEFORE YOU GO

You are being redirected to another website that is not owned or operated by GECU

GECU is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by GECU of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from GECU.

CONTINUE
Cancel
X
Cookies help us improve your website experience.
By using our website, you agree to our use of cookies.
Confirm