To report fraud on your UHCU account, or if you have any questions regarding activity on your account, call <a href="tel:5124354545">512.435.4545</a>, <a href="tel:9035977484">903.597.7484</a> or <a href="tel:8005312328">800.531.2328</a>.

Security Center

Welcome to United Heritage Credit Union's Security Center. In this area, we provide information concerning the latest security threats and helpful tips to protect yourself and your finances.

Protect Your Account

We take the protection and security of our members’ personal information very seriously. If you think your account has been compromised, or if you have any questions about account security - please let us know.

Report lost/stolen credit card:To report a lost or stolen debit card after hours, please call 888.241.2510. If you are out of the country, please call 909.941.1398.
Report fraud: Read our Fraud Protection advice to learn how you can protect yourself as well as some common Questions About Fraud.
Pause your card: Misplaced your UHCU Visa Debit Card? Now you can sign in to your UHCU Online Banking account and the UHCU Mobile App to temporarily pause your card if you need to locate it. You can also pause your card when it's not in use to prevent fraud. It's a convenient option to provide you with peace of mind.

Fraud Protection

Protect Your Assets

In an era when online banking is becoming the standard, and people are logging on from a variety of mobile devices, it’s crucial that you and your accounts are protected against fraud. When it comes to your money and your personal information, privacy is paramount. Learn what United Heritage is doing to protect your identity and how you can protect yourself from financial fraud.

To report fraud on your UHCU account, or if you have any questions regarding activity on your account, call 512.435.4545, 903.597.7484 or 800.531.2328.

Questions about Fraud

Security

How to Protect Yourself from Fraud

Always log out after accessing your account online or from a mobile device.
Never store personal information or passwords on your device.
Use caution when accessing your account via Wi-Fi, since hotspots can be compromised.
Never click links in SPAM emails.
Monitor your financial statements regularly to ensure no suspicious or unexplained activity is present; dispute any activity that looks suspicious as soon as possible.
Periodically check your credit report to ensure your personal information is accurate.
Never give your account number or social security number to others and do not send this information via email.

How to Report Fraud

To report fraud on your UHCU account, or if you have any questions regarding activity on your account, call 512.435.4545, 903.597.7484 or 800.531.2328.

How We Protect You from Fraud

Account numbers are masked on transaction receipts and statements.
Proper identification is required for all transactions.
High security, such as multi-factor authentication, is utilized for all online/mobile transactions.
We offer secure contact via online messaging.
We never sell or share personal information.
We offer instant issue debit cards so there is no risk of your debit card being lost in the mail.
We offer eStatements so that there is no paper trail to dispose of.
We do not retain your address or domain when you access our website.
We never ask you via phone, text or email for your account number or social security number.
We allow you to password protect your account for in-person transactions.
We use secure, encrypted transmission for member/loan applications and secure eSignature for loan closings.

Security Insights & Advice

3 Steps to Take When Your Card is Compromised

Seeing a fraudulent charge on your credit or debit card may make your heart race, but it’s not a moment to panic. Rather, it’s the time to keep a cool head and take deliberate steps to protect your finances and identity. At UHCU, we help people work through the complications of having a compromised card. Responding quickly is important, and we suggest taking these three steps right away if you think your card has been compromised.

4 Types of Student Scams and How to Avoid Them

From registering for classes to finding housing, going back to school for the semester can feel like an endless to-do list. It’s easy to get overwhelmed with forms, payments, and schedules. And that’s what fraudsters and con artists are counting on to work their scams. But what they’re not counting on is you seeing right through their antics. UHCU is here to help by spreading awareness of the types of scams criminals are peddling during the back-to-school season.

7 Holiday Fraud Prevention Tips

The holiday season is quickly approaching, which means spending time with family, putting up fun decorations, preparing tasty food and shopping for holiday gifts. Unfortunately, it also means fraudsters are on the prowl, trying to steal your money and your personal information. Don't let these criminals get away with ruining your financial security. Before you start your holiday shopping, whether it's online, by phone or in stores, make sure you are prepared and aware of the potential threats that may arise and how to avoid them.

Bank Jugging: What It Is and How to Stay Vigilant

Bank Jugging is when a suspect or suspects observe bank/credit union customers entering and exiting the branch, using the drive-thru or accessing the ATM. The suspect(s) then follow the customers they believe are in possession of large amounts of cash and look for an opportunity to burglarize their vehicles or rob them directly.

Bash Bug: What You Need to Know

Security experts have recently discovered a flaw in the system software used within most internet-connected devices –even Mac computers. Shellshock affects the Bash application, software that translates your commands into something your device's operating system can understand (this is why the vulnerability is being dubbed the "Bash Bug").

Beware of Ongoing Telephone, Text Message Scams

In response to a variety of recent telephone and text message scams, United Heritage Credit Union wants to remind members of the common signs associated with financial scams so members can prevent themselves from becoming victims.

Beware of Port-Out Phone Scams

Fraudsters are illegally transferring cell phone numbers from one wireless provider to another in what are known as port-out scams.

Credential Stuffing Attacks on the Rise

Credential stuffing attacks are on the rise and it's important for our members to know how to protect their information online. A credential stuffing attack is when usernames and passwords are leaked in data breaches, often at online retailers and then used to access other accounts. Your usernames and passwords may be sold to criminals who use them to get access to your online accounts. This happens most frequently when the same username and password are used on more than one account.

Credential Stuffing Attacks on the Rise

Credential stuffing attacks are on the rise and it's important for our members to know how to protect their information online. A credential stuffing attack is when usernames and passwords are leaked in data breaches, often at online retailers, and then used to access other accounts. Your usernames and passwords may be sold to criminals who use them to get access to your online accounts. This happens most frequently when the same username and password are used on more than one account.

Debit Card Fraud Monitoring Update

Effective Wednesday, June 5, 2019, our debit card monitoring provider, Falcon Fraud Monitoring, is adding SMS/text messages and email as ways they may contact you to discuss potential fraud attempts on your debit card. In the event that they contact you, they will identify themselves as Card Member Security.

Fake Apps Responsible for Banking Fraud

Android phones are extremely popular and therefore are targeted by malicious apps in order to steal banking information.

FCC Warns of 'Can You Hear Me?' Scam Calls

The Federal Communications Commission is alerting the public to recent "Can you hear me?" scams in which fraudulent callers record a victim's voice over the phone. The fraudsters then use the recording to authorize unwanted charges on the victim's accounts.

Fraudulent Checks & the Security of Your Account

While many people are taking advantage of paying their bills through Web BillPay, payment using a paper check may still be preferred in some circumstances to avoid transaction fees, for gift giving or may even be required by some businesses. Learn about the types of check fraud and how to protect yourself in this post.

Fraudulent UHCU Official Checks

Recently, United Heritage Credit Union became aware of individuals receiving fraudulent Official Checks containing the UHCU name and logo in the mail along with a pamphlet instructing the recipient to participate in a “Secret Shopper” program. Please read the full post for more details on this recent scam.

Fuel Pump Skimmers

Credit card skimmers are discreet smart devices that hackers, thieves, and scammers have been known to install at credit card terminals to steal information and make fraudulent purchases. Read about the most common skimmers, fuel pump skimmers, in this Security Center article.

How to Avoid a SMiShing Threat

In an effort to keep our members informed of current security threats, we wanted to let you know about a new trend we’re seeing from scammers who are impersonating large businesses through text messages. This is what is known as SMiShing (SMS + Phishing), which is a cyberattack that uses misleading text messages to deceive victims.

How to Avoid Online Dating Scams

Nowadays, millions of people turn to online dating websites to find companionship and romance. Why not, right? The idea and convenience of meeting your soul mate on the internet is alluring to all different demographics. Unfortunately, the widespread use and popularity of these social sites attracts criminals along with everyone else. Scammers now troll dating sites to make fast money by preying on the vulnerability of those looking for love. The best way to protect yourself and others is to understand how these online dating scams work and recognize the signs early.

How to Browse Smart Online

As banking and shopping online are increasingly becoming the norm, United Heritage Credit Union reminds members to use caution when online.

How to Protect Your Router from Recent Hacks

The FBI recommends that anyone who owns a wireless router reset it as soon as possible due to sophisticated malware that likely comes from Russian state-sponsored hackers.

Internet Explorer Browser Support Ending

Microsoft announced earlier this year that they plan to end support for most versions of Internet Explorer (IE) in January 2020. Prior to this, support for IE 10 and older ended 1.12.16. What does this mean for UHCU members? Read the full post for details and information to prepare for the updates.

IRS Warns of Impersonation Telephone Scam

Scammers impersonating Internal Revenue Service employees are calling taxpayers and claiming they owe the IRS money that must be paid through a pre-loaded debit card or wire transfer. In an effort to thwart these scam attempts, the IRS has provided five tell-tale signs of a scam call.

IRS-Impersonation Telephone Scam

The Internal Revenue Service (IRS) recently issued a consumer alert regarding an IRS-impersonation telephone scam. The callers claim to be IRS employees, may know information about you and also alter the caller ID information to make it look like the IRS is actually calling. The scam artists are calling consumers claiming to be IRS employees. The callers may know information about you and also alter the caller ID information to make it look like the IRS is actually calling. In order to thwart these scam attempts, the IRS has provided five tell-tale signs of a scam call.

Jugging Robbery Trend Targets Bank Customers

In lieu of a recent increase of a crime known as jugging, United Heritage Credit Union would like to remind members to be aware of their surroundings when withdrawing cash.

One-Time Passwords Offer Greater Security

In today's world, security is more important than ever. With the ever-increasing threat of cyberattacks, United Heritage Credit Union is taking every step possible to protect our members' data. One way to do this is by implementing one-time passwords (OTPs) for member identification verification when calling our Contact Center.

Phishing Emails: Amazon Impersonation

In an effort to keep our members informed of current online security threats, we wanted to let you know about about a new trend we’re seeing from scammers who are impersonating large businesses through email and phone calls. These suspicious phishing emails are circulating inboxes in an attempt to gain access to personal and secure business networks. This is something you should be very careful about for both your personal and work email accounts and as always, when answering calls from unknown numbers.

Phishing Emails: Company Impersonations

In an effort to keep our members informed of current online security threats, we wanted to remind you about a continuing trend we’re seeing from scammers who are impersonating large businesses and government agencies through email and phone calls. These suspicious phishing emails are circulating inboxes in an attempt to gain access to personal and secure business networks. This is something you should be very careful about for both your personal and work email accounts and as always, when answering calls from unknown numbers.

Phishing Phone Call Alert

We want to inform our members that we have received multiple reports of UHCU members receiving phone calls from fraudsters. Please read the full post for more information.

Phishing Phone Calls

We want to inform our members that we have received multiple reports of UHCU members receiving phone calls from fraudsters.

Phishing Phone Calls/Texts

We want to inform our members that we have received multiple reports of UHCU members receiving phone calls and text messages from fraudsters indicating that they are a United Heritage representative and are asking the member to verify certain personal information.

Postcard Scam

We want our members to be aware that fraudulent postcards are being sent to members of credit unions near UHCU.

Protect Your Router

In order to steal personal information, like Online Banking credentials, scammers are now sending emails including links that change the settings on your internet router if clicked. Attacks such as this often bypass antivirus software, so the security breach can go undetected for a long period of time. It is recommended you update the username and password on your wired or wireless router often as a safety precaution.

Don't Fall for Smishing: How to Spot and Avoid These Scams

In an effort to keep our members informed of current security threats, we wanted to let you know about a new trend we’re seeing from scammers who are impersonating financial institutions via text messages. This is what is known as SMiShing (SMS + Phishing), which is a cyberattack that uses misleading text messages to deceive victims. Scammers use stolen, personal information that they have gathered from data leaks and other sources to send targeted communications to their victims.

Protecting Yourself from Email Fraud

United Heritage reminds individuals to never provide an entity they do not know and/or trust with any personal, sensitive information via email.

Protecting Yourself from Identity Theft

Identity theft occurs when a thief steals someone's personal information to commit fraud. Generally, the thief will use a stolen Social Security number or other personal information to open new accounts, make purchases or get a tax refund.

Reminder: Phishing Phone Calls + Security Pop-Ups

We want to inform our members that we have received reports of UHCU members receiving "Security" pop-ups asking them to call an out-of-area phone number, which is connected to fraudsters.

Romance Scams

With so many sites, apps, and services dedicated to matching people up, the odds of meeting a compatible mate online have greatly increased over the past several years. However, more free and convenient dating options also means more ways for scammers to strike.

Romance Scams Revisited

Each year the popularity of online dating increases, the more people become susceptible to online dating scams. Yet, scammers who troll such social sites use the same-old tactics to swindle their victims that they've employed since the inception of internet dating. So, the best way to protect yourself is to understand how the scams work and recognize the signs early. As a refresher on how to avoid online dating scams, here's information we posted last March about romance scams.

Scam Alert: Criminals Hack into Apple Devices to Demand Ransom

Criminals are tricking Apple users into sending them money by hacking in to users' Apple accounts and convincing them that their devices have been compromised via a message on their Apple device lock screens.

Scam Alert: Telephone Wire Request

In light of a recent scam, United Heritage Credit Union urges members to remember to never arrange the transfer of money or provide personal information to unknown entities.

Scam Phone Calls and Texts

The UHCU Fraud Department has received multiple reports from members stating that they are receiving text messages and phone calls from individuals impersonating UHCU employees. Read below to learn how to protect yourself from these rising scams and prevent fraudulent charges on your accounts.

Security in the Online Banking Era

What do you need to keep in mind when using online banking in order to stay secure? Read this post for helpful tips.

Security Warning: The Heartbleed Bug

An internet vulnerability affecting roughly two-thirds of all websites was recently discovered. Websites that use free, open source forms of encryption (OpenSSL) are at risk. UHCU’s website and Online Banking system are not directly impacted by this form of encryption vulnerability. However, you should still take measures to protect yourself and your personal information.

SMS Phishing Texts

Be aware that we have received multiple reports of UHCU members receiving a suspicious SMS text message requesting action by the member. We will never request this information from our members, including the last four digits of your card number, your PIN, and CVV security code on your card.

Stay Vigilant and Avoid Scams: Protecting Yourself on Social Media

As the holiday season approaches, United Heritage Credit Union is spreading cheer with an exciting giveaway on our social media platforms. However, amidst the festive spirit, scammers are lurking, attempting to prey on unsuspecting participants. We has issued a clear warning about these fraudulent attempts, but it's crucial for all followers to remain vigilant and educated.

That International Call Could Be a Wangiri Scam

There’s a new robocall scam hitting the mobile phone scene and unlike others, this one is baiting you to call back. Dubbed Wangiri scams – Japanese for “one-ring and cut” – you will get an incoming call that disconnects quickly after one ring. If you call back, you’ll be unknowingly connected to a toll number that charges fees to your carrier. Read the full post for more details.

Tips to Avoid Identity Theft

In this age of information, we’ve all heard stories about identity theft and how rampant it has become. Recent stats and studies on identity theft crimes found that data pirates are becoming increasingly sophisticated by gaining access into poorly secured accounts. By doing this, they are gaining even more access into important segments of the victim's financial life. This post has tips to help you avoid identity theft traps.

Update Computer, Phone to Protect from Vulnerabilities

It was recently discovered that nearly all devices with microprocessors, including computers and smartphones, are vulnerable to at least one of two exploits that could allow hackers to steal data. The best way to protect yourself is to make sure all of your devices are running on the most up-to-date software.

Watch Out for These 3 Common Scams

Scams come in many varieties, and millions of people fall victim to them each year. Learn about some of the most common tactics and check out these practical tips to help you spot and avoid scams.

Your Security is Our Priority

United Heritage Credit Union considers the protection and security of our members’ personal information a very serious matter. With this in mind, we launched our new Online Banking system in September to provide members who access their account online with the most secure technology available.