Fraud + Security Assistance

Please DO NOT send any sensitive information like account numbers or passwords through open email, an online form or Live Chat as none are completely secure communication channels. If sensitive details are needed, please use the Secure Messaging Center or Secure Live Chat found within WebBanking. This ensures your communications are protected through a closed and encrypted channel. Allegacy will NEVER contact you and ask for secure or private information. Do not share sensitive details like account numbers or passwords with others. Explore more ways to protect yourself.

Please let the Credit Union know about any upcoming trips and we’ll update your record so the fraud monitoring service does not place a block on your Visa^® Credit and/or Debit Card(s) when making purchases out of your area or ordinary spending habits. To do so, simply login to WebBanking and choose ‘Travel Request’ from the Secure Forms drop-down menu.

Take smart precautions

Sign up for eStatements, so your financial information doesn’t have to go through the mail. Log into WebBanking™ to enroll. Before throwing out any sensitive documents, shred them. If you don’t own a shredder, use a shredding service; many office supply stores and shipping or printing businesses offer this. A cross-cut shredder is more secure that a strip shredder since it cuts the paper into countless pieces and can’t be reconstructed. Clean out your wallet. Carry only what you need – your driver’s license, debit card and credit card. Never carry your social security card in your wallet. This will make it easier to close and restore your accounts if your wallet is lost or stolen. Keep a copy of all important financial contact information in your records, including all the 800-numbers on the backs of your debit and credit cards. Store this info somewhere secure, not in your wallet. Keep private information private. Don’t post your address or phone number on social media sites. All it takes is a few pieces of information for a thief to steal your identity and account information. Consider enrolling in a credit monitoring service through one of the major credit reporting agencies. If they detect any suspicious activity, you’ll  be contacted right away.

What if your identity is stolen?

Place a fraud alert with one of the three credit agencies; whichever one you choose will inform the other two. A fraud alert will make it harder for someone to open new accounts in your name. If a physical theft took place – for example, if your home or car was broken into – file a report with your local police department. Contact the financial institutions for any accounts that may have been compromised, including credit card companies, banks or credit unions. File a complaint with the Federal Trade Commission. For more info on what to do, both immediately and down the road, visit the FTC consumer section on identity theft. In addition to general advice, they also speak to identity theft incidents affecting children, medical records and taxes.

To help protect you and your finances consider signing up for fraud text alerts. If fraud is suspected on your Allegacy Visa^® Debit Card, you’ll immediately receive a text notification* alerting you to the suspicious activity. From there you can validate whether or not the transaction is fraud or choose to receive a call from us. Sign up now.

In the event you notice suspicious or unusual activity on your Visa^® Debit Card, please contact us as soon as possible via phone at 336.774.3400 / 800.782.4670. If you notice suspicious or unusual activity on your Visa^® Credit Card account(s) or suspect fraud, you can notify the Credit Union and Visa immediately online:

1. Simply login to Webbanking and select Credit Card Account Information from the Additional Services menu.
2. Then choose View Transactions.
3. Select the ‘Dispute Transaction’ link next to the suspicious transaction.

In the event you find that your Visa^® Credit and/or Debit Card(s) have been lost or stolen, please contact us as soon as possible via phone at 336.774.3400 / 800.782.4670 or online via our secure communication channels – Secure Email and Secure Chat – both of which can be accessed from the Support menu after logging in to WebBanking. You may also wish to contact all credit bureaus and have them place a “fraud alert” on your credit bureau report and order copies of your credit report to check whether any fraudulent accounts were opened without your knowledge or consent.