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Security Center

Your Protection is Our Priority

Report Fraud

Security Center

Your Protection is Our Priority

Report Fraud

Report Fraud
To report a scam or suspected fraudulent or unauthorized online or mobile transactions on your account or card, please contact us immediately at (530) 222-6060 or (800) 303-3838, or visit your nearest Members 1st Credit Union branch.

How We Protect You

Visa zero liability

Visa’s guarantee that you won't be held responsible for unauthorized charges. You're protected if your Visa credit or debit card is lost, stolen or fraudulently used, online or offline.
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Purchase protection

Protection for your credit card purchases against theft from your home or other locations. We can replace or reimburse your stolen item.
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Return protection

Coverage for your credit card purchases if you become dissatisfied with a purchases and a merchant won’t accept your return
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Travel protection

Peace of mind for your itinerary that your travel tickets purchased with your credit card are protected from cancellation or interruption.
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Identity monitoring

Tools for credit cardholders to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen.
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24/7 card fraud monitoring

We monitor your card transactions 24/7 and contact you if we detect unusual activity. If it's not your purchase, we will help you resolve it.
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Data Encryption

We utilize the latest technology and encryption algorithms to protect your username and password when logging into your banking account.
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One-time Passcodes

OTPs provide an additional layer of security using two-factor authentication when logging in to mobile and online banking to keep your account safe.
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Biotech Security

Safeguard account access with Touch ID or Face ID from your mobile device with biometric level protection as unique as your fingerprint or face.
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How to spot scams

Learn more about the most common types of fraud and scams and how to spot them.
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What You Can do to Protect Yourself

Monitor for Unusual Activity

Use online or mobile banking to keep a close eye on your account activity and transaction history. Report any suspicious or unusual activity to us immediately.

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Travel Notifications

Notify Members 1st of your travel plans so we can make arrangements for card transactions in areas of travel so your purchases are not interrupted while you’re away.

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Setup Account Notifications

Set up account notifications to receive alerts for any unusual or suspicious activity, allowing you to take immediate action to protect yourself.

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Keep Systems Updated

Keep your software, browser, and operating systems up-to-date to ensure that you have the latest security features and patches.

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Card Controls

Utilize card controls in the Members 1st Mobile App to change the status of your debit or credit card to disabled when not in use or report as lost or stolen to inform the credit union.

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Credit Card Protections

All Members 1st credit cards are equipped with free purchase protection, return protection, travel protection, and identity monitoring for further protection on your purchases.

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How to Spot Scams

Review our common types of scams to spot the signs of fraudulent phishing emails, phone scams, and fake websites. Be wary of any unsolicited requests for personal information.

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EStatements

Enroll in eStatements to reduce the risk of identity theft and fraud from using paper statements sitting in unsecure mailboxes.

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Passwords and Usernames

Use strong and unique passwords using a combination of letters, numbers, and symbols for all your online accounts, and avoid using the same password and username for multiple accounts.

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Articles

Beware of Current Vacation and Travel Scams

Beware of Current Vacation and Travel Scams

As travel picks up in 2024, so do the scams targeting eager vacationers. Fraudsters are getting increasingly crafty, making it essential for travelers...

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How to Stay Safe from Scams While Shopping Online

How to Stay Safe from Scams While Shopping Online

In today's digital age, online shopping offers convenience and a wide range of choices. However, along with these benefits come risks of scams and...

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Protecting Yourself from Bitcoin ATM Scams

Protecting Yourself from Bitcoin ATM Scams

As Bitcoin and other cryptocurrencies gain popularity, so do concerns about potential scams targeting users of Bitcoin ATMs. These machines, akin to t...

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FAQs

Below you will find answers to the most commonly asked questions about security
How can I protect my mobile device from security threats?
What is phishing?
What should I do if I accidentally disclose my personal or financial information in response to a phishing scam?
What is a credit freeze?
How can I stay informed about security threats and fraud prevention?
What are some common signs of identity theft?
What should I do if I think my identity has been stolen?
How can I prevent my personal information from being stolen online?
How does the credit union protect my financial information?
What should I do if I receive a suspicious email or phone call from the credit union?
What is two-factor authentication?
How do I know if an email or phone call is a scam?
What should I do if I lose my debit/credit card?
What should I do if I suspect fraud on my account?
What is EMV?
How can I protect my online banking password?
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