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Fraud PreventionTools

 

DATA BREACHES. DARK WEB. FINANCIAL FRAUD IS ON THE RISE.

Protecting yourself is more important than ever. 

NEVER give your card or personal infomation to anyone over the phone, even if they sound like they are calling from the credit union, even if the phone number they are calling from looks like one you recognize. At the credit union, we will never ask for your card or account details by phone when we call you. 

OUCU strongly encourages you to proactively prevent fraud using the following measures:

CU Alerts

Getting started:

  • From the online banking dashboard select the “All Services” tab, then “CU Alerts”
  • Review the terms and conditions, click the box to accept, then click “Continue” at the bottom of the page.

Add your mobile device: Add the name and phone number for the device where you would like to receive alerts. Select your service provider from the drop down list, then click “Continue.”

  • Enter the activation code that you receive.
  • The email address linked to your online banking account will automatically become available to receive alerts.

Set up alerts:

  • Click “Alerts” on the tool bar on the left hand side of the screen. Then choose “Manage Alerts.” Set details for each alert by clicking on the “+” sign next to the alert you would like to activate. Click on the toggle switch on the right hand side of the screen to turn on the alert. Standard message and data rates may apply.

Debit Card Alerts

Getting Started

  • From online banking dashboard select the “All Services” tab, then “CU Alerts”
  • Register for CU Alerts if you have not previously activated this service. For more details see “add CU ALERTS LINK”

Set up alerts:

  • Click “Alerts” on the tool bar on the left hand side of the screen. Then choose “Manage Alerts.”
  • In the “General Alerts For All Accounts” section click the “+” sign next to “Debit Card Transactions.”
  • Enter the dollar amount that you would like to trigger an alert. If a transaction greater than this amount is initiated you will receive a notification. We recommend setting the amount at $0.01 so that you will be notified any time your card is used. If this results in too many alerts, you may consider adjusting the dollar amount. Click on the toggle switch on the right hand side of the screen to turn on the alert. Repeat this process for the “ATM Card Transaction” alert. Standard message and data rates may apply.

Credit Card Alerts

Getting Started:

  • Log on to your credit card account through online banking by selecting the “All Services" tab, then "Credit Card Info."
  • If you have not accessed your credit card information through online banking, you will need to complete a short registration the first time you log on, please have your credit card present.

Set up alerts:

  • From the account home page, click “communications.”
  • Then choose “Visa transaction alerts.” Review the terms and condition, then click “Submit.” On the “Setup Visa Alerts” tab select “Click here to add a new delivery destination”
  • Click “Add a new mobile number”
  • Enter your mobile number, then click the “Get mobile code” button. Enter the code that you receive and click the “Save Updates” button.
  • To receive email alerts, click “Add New Email Address.” Enter your email, then confirm in the box below. Select the format that you wish to receive your emails in. We recommend “Plain Text.” Click “Save Updates.”
  • Choose where you would like to receive your alerts: mobile, email, or both.
  • At the bottom of the page, select the type of alerts you would like to receive. 

Fraud Text Alerts for Debit & Credit Cards

Receive automated texts when suspicious debit and credit transations have been detected. It's IMMEDIATE and easy!

  • From online banking select the “More” tab, then “Fraud Alerts”
  • Select the "Register Here" button, then simply follow the prompts to set up your alerts.

If you don't respond to the text within 30 minutes, you'll receive a phone call to confirm the purchase in question.


Debit Card Lock

  • From online banking select the “All Services” tab, then “Manage Cards”
  • Click the “Lock” button next to the card that you would like to lock. Select “Ok” on the Lock Card Confirmation screen. The card information will appear on your screen in a red box with a message that says “Successfully locked card” at the top of the Card Management section.
  • When you are ready to unlock the card, click on the red “Unlock” box, then select “Ok” to confirm. The card will appear in a blue box with a message that says “Successfully unlocked card” at the top of the Card Management section.

 

For assistance in setting up any of these tools call us at 740.597.2800 or 1.800.562.8420.