Fraud Protection

Technology is a wonderful thing, but it's also allowed bad actors to unleash harmful viruses, scams and identity theft attacks at every turn. At Excite Credit Union, we believe you should know how to fight back. If you suspect you’ve been scammed, call us at 800.232.8669 or stop by one of our branch locations.

Account Alerts

Keep your accounts safe using Excite Credit Union’s text, email, and phone transaction verifications.

Excite offers an alert system to help make Members aware of when potentially fraudulent activity has taken place on their Excite ATM, or Debit cards. This service can send you a combination of text, email, and phone call communications letting you know that suspicious activity has been spotted on your account.

When potential fraud is detected, the following communications are triggered:

Text

You will receive an automatic and immediate text message notification when a suspicious transaction is made. You can reply to the text message with “fraud” or “no fraud” as appropriate. Text messages are sent between 7:00 a.m. and 9:00 p.m., and you can opt out at any time by responding with the word “Stop”. Regular text messaging rates apply

Email

If you do not respond to the text message within 5 minutes, you will receive an email alert. The message will include the option to reply to links that indicate “fraud” or “no fraud.”

Phone

If you do not respond to the text alert message or email messages, you will receive a phone call asking you to confirm or deny fraud. Calls are made between 8:00 a.m. and 9:00 p.m., and the system will leave a voice message with a callback number if you are not available.

Once a potentially fraudulent transaction is detected on your card, our service provider will place a temporary block on it, preventing further transactions. You must respond to one of these attempts to reach you with a “fraud” or “no fraud” response for the card block to be lifted.

Be sure to provide us with your current contact information, including email address, mobile phone number (for text), and a mobile or land line phone number for calls. Remember that these communications will never ask for your PIN or account number. If you respond by phone, you will be asked to provide certain information, such as your zip code, to verify your identity.

Verified by Visa

Verified by Visa is a global solution designed to make eCommerce transactions more secure. It helps ensure that payments are made by the rightful owner of the Visa account, building consumer confidence in online shopping. Not all merchants participate in Verified by Visa, but the ones that do will require you to have registered your card in order to make online purchases on their site. Verified by Visa gives you:

• An extra layer of security for online transactions
• Increased confidence in the safety of your online purchases
• When required and easy to use interface

Register your card online.

Secure your web browser

Configure your web browser for safer internet surfing. Learn more about securing your web browser. 

Beware of online dating scams

These criminals—who also troll social media sites and chat rooms in search of romantic victims—usually claim to be Americans traveling or working abroad. In reality, they often live overseas. Their most common targets are women over 40 who are divorced, widowed, and/or disabled, but every age group and demographic is at risk. Your online “date” may only be interested in your money if he or she:

• Presses you to leave the dating website you met through and to communicate using personal e-mail or instant messaging
• Professes instant feelings of love
• Sends you a photograph of himself or herself that looks like something from a glamour magazine
• Claims to be from the U.S. and is traveling or working overseas
• Makes plans to visit you but is then unable to do so because of a tragic event
• Asks for money for a variety of reasons (travel, medical emergencies, hotel bills, hospitals bills for child or other relative, visas or other official documents, losses from a financial setback or 
• crime victimization)

It’s phishing season!

In fact, any time of year is open season on phishing. Don’t get caught in the net! Watch out for those emails asking for your private information – Social Security number, account numbers, passwords – or demanding that you reset your password or activate your debit card ASAP or the sky will fall. Don’t let ′em hook you:

• Don’t click on links included in emails from companies/people you don’t know.
• Phishers are getting smarter. They now include a phone number to call instead of a link.
• Don't call or enter any information until you verify the number belongs to your financial institution. Visit their website or call them directly.
• Don’t click on links from unknown senders asking for payment or links that ask you to report suspicious activity. This has been common with PayPal phishing scams and is now being used for other organizations. FYI: PayPal will never send an email addressed to “Dear PayPal user.”
• Reverse NDR (Non Delivery Report) is another newer form of phishing. This scam is an indirect form of phishing where the original email is sent to you as a “Non Deliverable” email notice. Although you never sent the original email, you get the “Undeliverable” notice. Just what the phishermen intended. Don’t let your curiosity give way! Open these emails at your peril. Click to see the attachment – and voila! You’ve opened a phishing email that could contain a virus code.

So they say they’re Excite Credit Union. Don’t be fooled.

• Familiarize yourself with official Excite Credit Union communications.
• We will never solicit personal or private information by email.
• The only communications about your account are sent by U.S. mail in an official Excite Credit Union envelope.

Protect yourself

• Visit the Federal Trade Commission (FTC) website. 
• Take an interactive quiz to find out what you know about ID theft, phishing, spam and online shopping scams
• Find detailed guidance on how to monitor your credit history, use effective passwords and recover from identity theft.
• If you suspect you’ve been scammed, file a complaint with the FTC.