Protecting Your Account

Review your banking and credit card statements to make sure all transactions are accurate. If you find any unauthorized transactions, contact CEFCU immediately.


Protect yourself and your CEFCU accounts at ATMs. Use your common sense and follow these tips:

  • Do not agree to use your card to cash a check for someone else.
  • Keep your Personal Identification Number (PIN) confidential.
  • Memorize your PIN, do not write it on your card or keep it in your wallet.
  • Leave an ATM if someone (who is not in line) approaches you directly.
  • Choose an ATM in a well-lit area.
  • Have your card ready before approaching an ATM.
  • Be sure to take your card, money, and receipt with you.
  • Check your transaction and count money privately.
  • Have someone accompany you when using an ATM at night.
  • Lock your car, close the windows, and leave the engine running at
    a drive-up ATM.
  • Shield the keyboard and display so others cannot see your transaction.


Be smart when providing personal information on the phone.

  • Do not reveal personal information if you did not originate the phone call.
  • Be careful about revealing your Social Security number.
  • Take precautions when talking about personal information in public or when others are present.
  • Never reveal your PIN or account numbers to anyone.
  • Verify phone numbers through a trusted source, such as the phone book, before revealing confidential information.
  • Hang up on robocalls.


Voice phishing — or vishing — are emails that direct recipients to a phone number where an automated answering service requests account information.

CEFCU does not send emails asking for personal financial information or directing you to call and reveal that information. Delete unsolicited emails immediately. If you receive a request for personal information, and it appears to be from CEFCU, contact CEFCU.


When charges are added to your phone bill for a service you didn't order, it's known as cramming. These charges are small, so they are easy to overlook, or may appear to be a fee you owe. For tips on spotting cramming or steps on what to do if you suspect it, visit the Federal Communications Commission website.

Cell Phones

Follow these tips to help keep your cell phone secure.

  • Use password protection to help guard your phone content.
  • Keep track of your phone to protect it from unauthorized calls.
  • Be wary of "free" ringtones and other offers that may contain viruses.
  • Take precautions when revealing personal information in public.

Find information about security apps on the PC Magazine website and checkout out the tips in Protect Info on Your Phone from Theft.


If you receive a fraudulent text or SMS message, it is known as SMiShing. The messages usually direct you to visit a fraudulent website or call a number, and personal information is requested. If you receive one of these messages, do not:

  • Reply to the message.
  • Provide any personal information.
  • Call the number or visit the website in the message.
  • Click any of the links in the message.

If the message appears to be from CEFCU, be sure to follow these guidelines, then contact CEFCU.

Mobile Banking

Stay secure when you're using Mobile Banking.


  • Store your mobile device in a secure location.
  • Lock your device when you are not using it.
  • Choose a strong password.
  • Don't disclose personal information through email or text messages.
  • Download apps only from reputable sources.
  • Keep your apps up-to-date.
  • Set your device to automatically lock after inactivity.
  • Avoid using non-secure wireless access in public places.
  • Use your personal network to conduct financial transactions.
  • Install security software and enroll in a data wiping service.


If your phone is lost or stolen, deactivate CEFCU Mobile Banking by going to CEFCU On-Line, then scroll over the Mobile tab and click Unenroll at the left. Be sure to contact your cellular carrier to report your loss.

Credit/Debit Cards

Protect your credit and debit cards wherever you go.

  • Protect your purse/wallet.
  • Shred preapproved credit card offers so thieves cannot use them.
  • Never reveal your PIN to anyone.
  • Check credit/debit card statements against receipts.
  • Do not provide your credit/debit card number as proof of identity.
  • Understand your credit/debit card's liability program.
  • Never send payment information by non-secure email.
  • Keep cards in sight at all times to avoid someone getting the number or skimming the card's magnetic strip to capture its coding.
  • Beware of people shoulder surfing, looking over your shoulder to get personal information.

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Thieves can steal your identity by taking financial statements and preapproved credit card applications from your mailbox. They may divert your mail, thereby having access to anything that goes to the new address. Help protect your mail with these tips.

  • Retrieve your mail quickly. If that is not possible, get a locked mailbox.
  • Send mail only through secure locations.
  • Opt out of preapproved credit card offers.
  • Make sure you receive your financial statements each month. When possible, sign up for eStatements.
  • Review bills and statements when you receive them.


Keep papers with personal information in a safe place, such as a locked filing cabinet.

  • Create secure passwords, but do not use a portion of your Social Security or phone number, birth date, your mother's maiden name, or a consecutive series of numbers.
  • Shred unneeded papers that include personal information.
  • Keep your Social Security card and birth certificate in a safe place.
  • Protect your wallet/purse in public or at work.
  • Put away your personal belongings and papers at work.
  • Do not include your Social Security number, phone number, or driver's license number on checks.
  • Never reveal your PIN to anyone.

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Wire Transfers

Take extra safety steps when wiring money. Wiring money is like sending cash, so con artists often request wire transfers and wire transfer fraud continues to increase.

Help protect yourself by not:

  • Wiring money unless you know the individual or business is reputable.
  • Giving your account information to someone you don't know.
  • Responding to unsolicited email job offers or business opportunities.
  • Agreeing to deposit a check from someone you don't know, then wire back money.
  • Wiring money to strangers, including:
    • A seller who requests a wire transfer payment.
    • An online love interest who asks for money.
    • A person advertising an apartment or vacation rental online.
    • A new employer or for a new online job.
    • Someone who claims to be a relative or friend in dire straits.

Contact CEFCU for more information, to report a lost or stolen card for a CEFCU account, or to report a suspicious email.