Be aware of fraudulent text messages (smishing) impersonating our (530) 222-6060 and (800) 303-3838 phone numbers, sent to Members 1st members to try and attain personal and financial information.

Variations of fraud

• Fraudsters text members, impersonating our card fraud services and ask about fictitious debit card transactions
• Fraudsters repeat the first six digits of a card number and confirm member name and address of account holders to members
• Fraudsters request member's remaining card number, CVV code, expiration date, and PIN# from their card
• Fraudsters deceive members into providing codes from one-time passcode (OTP) texts allowing them to add member cards to digital wallets to perform fraudulent transactions
• Fraudsters perform fraudulent transactions and then immediately call members, impersonating our card fraud services, and convince members to approve the fraudulent transactions

Please remember, Members 1st will never ask you for your debit or credit card number, social security number, card PIN, one-time passcode (OTP), or online banking password. We will never reach out to members to provide unsolicited technical support.

What to do if you receive fraudulent text or call

If you receive a suspicious text message or call, do not respond. Instead, call us directly at (530) 222-6060 to confirm whether the communication is legitimate.

What to do if your information is compromised

If fraudsters deceive you into providing any of your personal or financial information, or you notice unauthorized transactions on your Members 1st account, please follow these important steps:

1. Call Members 1st Credit Union immediately at (530) 222-6060 or (800) 303-3838 to help you determine what information is at risk and protect your account
2. Change your password to your Members 1st account and any other financial accounts that may be at risk
3. Consider putting a freeze on your credit with the three major credit bureaus: Experian (888) 397-3742, Equifax (888) 378-4329, and TransUnion (800) 916-8800
4. Review banking statements to ensure no additional fraudulent activity occurs on your account
5. Review your credit report to ensure no fraudulent activity has occurred by visiting https://www.annualcreditreport.com