They can view your online banking activity, capture your logins and passwords, move money or start fraudulent transactions, and install malicious software.

No. We may ask you to verify your identity, but we will never ask for your PIN, password, or full account number. We’ll also never call to confirm your full debit card number, CVV, or PIN.

No. NCPD FCU will never ask you to transfer funds to another account for safekeeping. A request like this is a red flag.

No. We’ll never pressure you to stay on the line instead of calling us back. If someone does, hang up.

Panic makes people act before they think. Scammers may pose as a celebrity, a friend in crisis, or even a “relative” who’s been jailed and urgently needs money. These stories are designed to pull at your emotions so you respond before checking the facts.

Not automatically. In a “vishing” scam, criminals use readily available technology to display any name or number on your caller ID. Don’t automatically trust caller ID or official-looking emails.

Phishing emails mimic your credit union’s logo and use a web address that looks almost real, then ask for account information or send you to a fake login page. Smishing works the same way, but by text message.

Don’t respond right away. Hang up and call the organization directly using a phone number you look up yourself, never one provided in the message.

Delete it. Don’t reply, download attachments, click links, or log in through a linked website, which could be a fake site built to capture your login information.

Never send money to someone you haven’t met face-to-face. And don’t accept money from strangers who ask you to send it somewhere else.

Be wary of unsolicited calls or emails promoting gold, silver, or other metals, especially if the price seems too good to be true. Reputable dealers won’t rush you or ask for gift cards or overseas wire transfers. Research dealers, verify credentials, and fully understand any storage or financing agreements before investing.

Thieves steal checks and use chemicals to erase the ink, then change the payee and amount and cash or deposit the altered check.

Use gel ink pens, don’t leave blank spaces, and mail checks from inside the post office. Review your accounts and cleared check images in Online or Mobile Banking for anything unusual.

Monitor your transactions in Online or Mobile Banking, review your monthly statements, and check your credit report for accounts or activity you don’t recognize.

Trust your instincts. If something seems wrong, it probably is. Stop, verify the request independently, and reach out to us with any questions.