Fraud Prevention Center

Spot the warning signs—avoid scams and fraud.
Contact us
Report a scam or fraud

Contact us through Chat or call us at +1 408 454 8669.

Common red flags
  1. Someone contacts you (not the other way around) and pressures you to act quickly.
  2. They ask for personal information like your social security number or your Digital Banking credentials.
  3. They ask you to lie to your credit union about why you need the money for a withdrawal.
  4. They ask you to send them money from an unrecoverable source like a wire transfer, Zelle® or gift cards.
  5. They claim they overpaid you and ask you to send money back.

We’re here to help. The sooner you contact us (via Chat or by calling +1 408 454 8669), the more likely it is that we can help keep your money safe.

Fraud prevention is a team effort here 

Cybersecurity is a top priority for us, and we work every day to help you protect your identity and safeguard your accounts. Use these resources to learn about the latest phishing scams and security tips for Digital Banking. 

Information to share and keep secret

Information to share

(ONLY when you contact us)

  • Your name
  • Your security word
  • Your one-time passcode
Information to keep secret

(Even from us!)

  • Your social security number
  • Your Digital Banking login ID and password
  • Your PIN
  • Your account or card number
  • Your Secure Access Code

What’s the difference between a Secure Access Code and a one-time passcode?

A confusing, but important distinction. Both these codes are sent to you via text or email, but they should be treated differently.

One-time passcode
  • This is a code to verify your identity
  • ONLY give it when YOU call us, not the other way around
Secure Access Code
  • This is a code you enter in Digital Banking to authorize major changes to your account
  • Standard Credit Union will NEVER ask you to read out a Secure Access Code over the phone
  • Do not share this code with anyone, not even us!
Who’s calling?

If we’re calling you, it’s ok to be suspicious. If you have concerns, hang up (you won’t hurt our feelings) and call us back with a number you know is verified (+1 408 454 8669). Ask to be connected with the same person. If that person doesn’t work here, congratulations, you just avoided an impersonator scam!

If you’re calling us, we will ask you some questions to verify your identity. We’ll ask for your name, a one-time passcode and a security word if you have one. As long as you’re calling the right number (+1 408 454 8669) and we’re not calling you, it’s ok to share this information.

Membership that gives you a whole lot more

Loyalty+ rewards, CashBack+ gift cards, way better cards, freebies and more.

Pages within: