Cyber Security

Protect Yourself.

In today’s world, we all need to take the extra step to ensure our personal information is protected. IMCU offers the following options to assist in guarding you from the unknown.
Consider setting up email or text alerts in Digital Banking. Alerts can be set for certain events, when your balance reaches a certain dollar amount, when a certain transaction occurs on your account, when an item clears, for invalid login or ID changes, or even for personal alerts.

To set up these alerts, login to Digital Banking, and click on “Settings”, then “Alerts”.
Card Controls
The IMCU mobile app offers the ability to set controls on your debit card.

Turn your debit card on and off. If you lose your debit card, you can turn it off with the swipe of a finger in order to protect yourself from unwanted charges. If you find it later, just log back into the app and turn it back on.

Traveling? Let us know! To avoid any interruptions using your debit card, schedule a travel alert (also found in the card control section of your app). This alert will allow for your card to continue working as normal while you travel. You set the dates you travel and minimize the time you would spend making a phone call or visiting a branch!
Freeze Credit 
A security freeze will prevent potential lenders from accessing your credit report. In the event a thief is attempting to get a loan under your name/social security number, having a freeze on your account will protect you. There can be a cost associated with a freeze. For complete details on freezing your credit we recommend you visit one of the major three credit bureaus:

 Lost/Stolen Cards
 If your debit card is lost or stolen, please contact us immediately at 800.325.3678

 You also have the ability to use the Card Control function via the IMCU mobile app and turn your card off.
How to Avoid a scam
Scammers are unfortunately always hard at work. As the consumer, it’s important to pay attention to the red flags and use resources available to you, to avoid falling victim.

Some current scams include: You got the job! This scam attracts those who want to work from home. You are often sent a large check to purchase supplies to get you started and then you are asked to send back any money left over. The problem is that you don’t really have a job and the check is fraudulent, so what you’ve spent and what you send out, now becomes a loss to you. This scam made the top 10 list of 2022 fraud reports.

What can you do? Research the job. Don’t accept an offer until you’ve checked it out. Reach out to the company directly using phone numbers found on their website. No legitimate employer will ever send you a check to buy supplies, gift cards or send money back. This is always a fake check scam. Click Here to Read More!
Scam Alert

What do scammers have in common?  They evolve, they adapt and they never take a break!  Let’s discuss some current scams affecting consumers.

Home Improvement Scams

Are you doing some repairs, renovating a basement, updating a bathroom or remodeling your kitchen?  Has someone promised you a deal you think you can’t turn down?  Your first step is to find a trustworthy contractor. Some signs that you are dealing with a scammer versus a reliable contractor include: 

  • Scammers seek you out for the work. It is normal for roofing companies to seek you out after storms, but general contractors don’t seek you out for internal improvements.
  • Scammers pressure you into making a decision quickly. They don’t want you to have the time to look them up or search for references.
  • Scammers ask you to pay for everything up front or all in cash. What if they leave you high and dry?  What if they’ve botched the job?  You now have no contract or paper trail because you’ve given them cash. Click Here to Read More!