Fraud Protection and cyber security data cells meshed together

Fraud Protection Center

Important Note: American First would NEVER call you to ask for your account number, PIN, SSN, user ID or password(s), and we would NEVER send a link by text or email for your account number and PIN. Please call us right away if you have any doubts, or have recently provided this information by phone or email.

Keeping your cards safe is as easy as sending a text.

If our system detects suspicious activity on your American First Credit Union debit or credit card(s), you'll receive a text message with details about the suspected transaction. All you have to do is confirm the transaction, the system will mark it as legitimate, and you can get on with your day - simple as that!

If you need to verify or update your mobile phone number, give us a call at 800.290.1112 or update your settings in Online Banking.

Text Fraud Monitoring FAQs

American First Text Fraud Alerts

Tips on How to Protect Your Account

Tips to Protect Your Account

  • Set Fraud Alerts with all credit bureaus – Experian, Equifax, and
  • Register your card(s) on the CardValet App, which provides fraud
    protection with real-time alerts. Sign-up here.
  • Keep software up-to-date. Turn on automatic updates for your
    operating system. Use web browsers such as Chrome or Firefox
    that receive frequent and automatic security updates
  • Other Recommended ID Monitoring Services: Lifelock, Identity
  • Password Security

    Protecting Your Passwords

    • Create a strong password: Mix with capital and lowercase letters, numbers, and special characters (20 characters or more is recommended).
    • Do not use personal information in your password such as your name, birth date, or address.
    • Do not share your password.
    • Never use the same password for multiple sites. 
    • Change your password regularly, especially if any accounts or email accounts have been compromised.
    • Keep sensitive data off your workstation, laptop, or mobile devices. If your device has been compromised, change your password immediately.
    Prevent fraud online and mobile banking

    Preventing Online and Mobile Fraud

    • Make sure you are visiting our secure site. Look for the lock icon in the address bar.
    • Make sure to have anti-virus software installed on your computer.
    • Be cautious of external links and downloads from unfamiliar and suspicious websites and email addresses. Never click on the link given in an email or text message that suggests huge consequences if you do not provide the personal information requested in the email.
      • What is phishing & spoofing? Tricks to get sensitive financial information to a cyber crook. Phishing scams can be carried out by phone, text, or through social networking sites - but most commonly by email.
      • Never provide personal information. We will never ask you for your personal information unless you contact us.
    • Always log out of online banking or the mobile application when you are not using it.
    • Do not share your device especially when you are automatically logged on to your email or bank account.
    Public Computers
    • Do not save your login credentials (email, banking, social media, etc.) on any public computer.
    • Be aware of your surroundings and keep an eye out for people trying to look at your screen.
    • Never leave the computer unattended while logged into your accounts.
    • Do not enter any sensitive information on the public computer.
    • Erase your tracks - delete your browsing history, any temporary internet files, and cookies.
    • Register your card(s) with CardValet for immediate security alerts.
    Prevent fraud phone and mail

    Phone and Mail Security

    • Never provide personal information (account numbers, SSN, credit card numbers). We will never ask you to verify an account or personal information unless you contact us.
    • Always shred your mail with sensitive information
    • Do not fall for email or mail fraud that ask for your card/account information to pay fees for a prize, phony credit card offers, advance fee loan schemes, and more. 
    ATM security image

    Avoiding ATM & Card Compromises

    • Cover the pin pad with your hand while entering your PIN number.
    • Be aware and alert of your surroundings when you approach the ATM. Use another ATM if the environment is not safe.
    • Do not immediately count your cash withdrawal. Do so later in a safer environment.
    • When using a drive-thru ATM, keep all your doors locked, windows closed, and the engine running.
    • If the card slot or pin pad looks tampered - do not use.

    Steps to Take After Fraud is Detected

    If you feel that you've become a victim of fraud or identity theft, please act immediately in order to minimize the fraudulent activities in your account(s). 
    • Report the identity theft to us at 800.290.1112
    • If you have the CardValet App, use your mobile device to immediately turn your card off until the fraud has been eliminated
    • Cancel your card(s) to prevent further fraud transactions 
    • Balance your account for accuracy
    • Call the three major bureaus and ask for a "fraud alert" to be placed on your credit
      • -   Experian: (888) 397-3742
      • -   Equifax: (800) 525-6285
      • -   TransUnion: (800) 680-7289
    • Order copies of your credit report from the credit bureaus listed above to check if there were any new accounts opened without your knowledge
    • File a report to Federal Trade Commission (FTC)
    • File a police report and send a copy to your creditors

    Have a question about your account security?

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