Fraud & Security
Protecting your privacy and keeping your data secure is a top priority. If you think you have been a victim of identity theft or you have had your card stolen or lost, contact Advancial immediately.
Beware— Don't Share.
At Advancial, we’re committed to keeping your accounts secure with advanced fraud prevention measures and proactive security tools. We also provide resources to help you take an active role in safeguarding your money, from tips on recognizing scams to strategies for protecting your data. Together, we can stay one step ahead of cyber threats and ensure your financial well-being remains secure.
How Advancial Keeps You and Your Money Safe
- We use secure information collection and robust security protocols to keep your personal and financial information secure at all times
- Our fraud team continuously monitors your account activity to identify any suspicious transactions
- We alert you immediately when potential fraud is detected so we can stop criminals in their tracks
How You Can Help Us Fight Fraud
- Keep your cuAnywhere® Online Banking and Advancial Mobile App login credentials private
TIP: Use a unique password for your Advancial account to reduce security risks. - Keep your personal and contact info updated so we can reach you about any suspicious activity
- Use strong passwords that are hard to guess
- Ensure your One-Time Passcode preferences are set up
- Never write your PIN on the back of your debit card
- Sign up for eStatements
🚩Know the Red Flags
Scammers use a variety of methods to defraud unsuspecting victims. The most common are fake emails (phishing), text messages and voice calls, but always be alert for new techniques. It is likely a scam if you are:
- Pressured to send money
- Threatened with law enforcement action
- Told to purchase gift cards for payment or reimbursement
- Requested to send cash, check, person-to-person transfer, or a wire transfer to a stranger or someone you've never met in person
- Asked for a One-Time Passcode that is texted or e-mailed to you
Remember Advancial will NEVER ask you to share a OTP if we call you - Informed that you need to pay someone in cryptocurrency or using a crypto ATM
- Spoken to by someone from “Advancial” that gives you an employee ID or badge number
🔎 Spot the Red Flags
🚩: The representative is asking for personal information.
Advancial will never ask for your PIN, Social Security Number or OTP over the phone. Remember Advancial already has ALL your information and full access to your accounts, so we don’t need that information from you.
Advancial will never ask for your PIN, Social Security Number or OTP over the phone. Remember Advancial already has ALL your information and full access to your accounts, so we don’t need that information from you.
🚩: Government agencies do not ask for your personal information over the phone.
They do not pressure you for immediate payment or threaten arrest or legal action if you don’t pay over the phone.
Government agencies only communicate through official channels. If you are in doubt about an email, text or phone call, be sure to look up the government agency contact information on their official website and call them directly.
They do not pressure you for immediate payment or threaten arrest or legal action if you don’t pay over the phone.
Government agencies only communicate through official channels. If you are in doubt about an email, text or phone call, be sure to look up the government agency contact information on their official website and call them directly.
🚩: The company calls, texts or emails without you initiating contact and requests access to your computer.
Legitimate companies do not operate this way. Never allow ANYONE into your computer that you have not requested and/or are 100% confident in the legitimacy of the request. Once a fraudster has access to your computer the sky is the limit on access they can gain to drain you financially.
Legitimate companies do not operate this way. Never allow ANYONE into your computer that you have not requested and/or are 100% confident in the legitimacy of the request. Once a fraudster has access to your computer the sky is the limit on access they can gain to drain you financially.
🚩: You cannot confirm the identity of the person on the other end.
Always contact that person directly using the phone number or email you have used before in order to verify the request. Reach out to other relations to authenticate the situation.
Always contact that person directly using the phone number or email you have used before in order to verify the request. Reach out to other relations to authenticate the situation.
🚩: Advancial fraud alerts do not come from a 10-digit phone number. DO NOT CLICK THE LINK.
Bad actors use this method to have you call them and log in to your Advancial account using a spoofed version of Advancial’s website. Always call the phone number on Advancial’s website to verify the legitimacy of a message you receive from Advancial.
Bad actors use this method to have you call them and log in to your Advancial account using a spoofed version of Advancial’s website. Always call the phone number on Advancial’s website to verify the legitimacy of a message you receive from Advancial.
🚩: Advancial will never ask you for a One-Time Passcode by phone.
If Advancial calls you, we have already verified that you are the person we are trying to reach. If you reach out to Advancial, we can verify you using the Security Passphrase you set up when you opened your account.
If Advancial calls you, we have already verified that you are the person we are trying to reach. If you reach out to Advancial, we can verify you using the Security Passphrase you set up when you opened your account.
🚩: Asking for the difference in a way that you cannot cancel once it is sent.
Fraudsters commonly cancel the transaction or give you a check that is altered or counterfeit, leaving you with money that you sent that cannot be reclaimed. In addition, a fraudulent check will be returned to your account as a withdrawal for the full amount of the check. Leaving you on the hook for the amount of the check.
Fraudsters commonly cancel the transaction or give you a check that is altered or counterfeit, leaving you with money that you sent that cannot be reclaimed. In addition, a fraudulent check will be returned to your account as a withdrawal for the full amount of the check. Leaving you on the hook for the amount of the check.
🚩: Make sure this person is legitimate and with a legitimate investment firm. Ensure that any crypto account they establish for you is accessible by you and that you can withdraw your funds as desired.
Fraudsters are capitalizing on the recent success in crypto currency and duping individuals through online interaction into investing in crypto. They have the individual wire transfer money to a crypto account, too which the victim never has access to the funds. Even though they’re shown what appears to be an account statement, the account is fake and the funds are gone.
Fraudsters are capitalizing on the recent success in crypto currency and duping individuals through online interaction into investing in crypto. They have the individual wire transfer money to a crypto account, too which the victim never has access to the funds. Even though they’re shown what appears to be an account statement, the account is fake and the funds are gone.
Advancial.org is Secure
Every page on Advancial’s website is secure and should have the lock symbol next to the URL along with “https” at the beginning. If you visit a site that appears to be Advancial’s and doesn’t include the lock symbol or https, you should contact Advancial immediately. Be especially cautious not to click on shortened links, and hover over any hyperlinks to confirm the actual web address.Webinars
Stay a step ahead of scammers with Advancial’s Fighting Fraud Webinar Series. Designed to empower and educate, these webinars provide valuable insights on the latest fraud trends and practical tips to protect your finances. Learn how to spot red flags, safeguard your personal information, and take control of your financial security with expert guidance from our trusted team.
Fight Fraud
Fighting Fraud
Advancial’s Fraud Services Department led a virtual panel discussion that answered common questions and shared important information that will help you avoid becoming a victim of fraud.
Fight Fraud
Fighting Fraud - Friend or Foe
How do you know if you’re speaking to Advancial? When you receive a text, call, or e-mail from Advancial, how do you know whether it’s authentic? What information should you give out in order to identify yourself and prevent fraud? Learn how to communicate your personal and financial information safely with this webinar!
Fight Fraud
Fighting Fraud - Payment Scams
Understanding payment scams is the first step to protecting your funds. Learn the latest tactics scammers use and how you can protect yourself.
Fight Fraud - Empowerment in the Midst of Holiday Fraud Trends
Fighting Fraud - Empowerment in the Midst of Holiday Fraud Trends
How can you feel empowered to protect your finances during the holiday season? It’s no secret that as spending rises around the holidays, so too does attempted fraud and scams. But how can members feel empowered to protect their finances and personal information during this time?
Articles
A Guide to Avoiding Financial Fraud
Every day, fraudsters are hard at work trying to steal personal financial information from hardworking, honest people like you. They are more clever than ever, so you need to stay informed about how to avoid falling victim to their schemes.
March 13, 2023
Fraud: Spoofing Explained
Hackers often try to take advantage of unsuspecting people by posing as their financial institution, referred to as spoofing. They often use common communication methods, such as phone calls, email or text messages.
July 19, 2023
The Four P’s of Common Scam Signals
Hackers often try to take advantage of unsuspecting people by posing as their financial institution, referred to as spoofing. They often use common communication methods, such as phone calls, email or text messages.
November 10, 2023
Protecting Your Online Presence
In today's interconnected world, where digital transactions and online banking have become the norm, it is crucial to prioritize the security of your financial information. With cyber threats lurking at every corner of the internet, protecting your personal and financial data has become more important than ever.
July 09, 2023
Safeguard Your Finances When Shopping Online
What’s not to love about shopping online? After browsing and a couple of clicks, merchandise is delivered to your door. Along with ease and convenience, online shopping can offer plenty of opportunities for thieves and scammers to steal your financial information.
October 10, 2023
Mobile Wallets Provide a Contactless Way to Pay
Tired of carrying around a wallet stuffed with cards? Don’t like waiting for a chip card to process? Worried about the germs on the payment terminal? Try using a mobile wallet!
June 22, 2023
Understanding Wire Transfers: A Comprehensive Guide for Adults
Wire transfers are a powerful tool for moving money quickly and securely across the globe. Understanding how they work, the costs involved, and best practices for their use can help you make the most of this service with Advancial.
August 09, 2024
Dos and Don'ts of Credit Repair
If you've recently been rejected from a credit or loan application, it may be because of your credit score being too low. If that’s the case, there are a number of reasons why that may be.
February 28, 2023
Setup and Secure Your Banking Platforms
Contact Our Fraud Department
Report Fraud
If you believe you’ve become the victim of fraud or identity theft, contact our Fraud Department immediately and we'll help you work through it.
Lost or Stolen Card
First, lock your card.
Next, call us immediately.
If you're calling during non-business hours, press 3 when you call for the Automated Teller Telephone Banking system and press 4 to report your card lost or stolen.
