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Fraud Prevention Tips

The Best Defense is to Stay Ahead

  • Update your contact information by calling us or updating your settings in Online Banking so we can notify you immediately if we detect unusual or suspicious activity on your account.
  • Our free CardValet® app offers complimentary account security. Turn your card on/off, restrict merchant types and locations, set spending alerts, and more.
  • Use the American First Mobile app to view your account activity and check your balance on the go.
  • Send a secure message in Online Banking if you have any questions regarding your account.
  • View your statements regularly by going paperless and enrolling for free e-Statements.
     

Tips to Prevent Online & Mobile Fraud

  • Be aware. Legitimate businesses do not make unsolicited calls for personal, sensitive information like full social security number, full bank account number, debit or credit card numbers, CVV or PIN. 
  • Check email addresses. Spot a phishing email by verifying the sender's email address. Scammers will misspell, add characters, and simulate names in email addresses and domains. Do not click on links if you are suspicious. 
  • American First would never call you to ask for your personal identifying information, or PII, such as account number, PIN, SSN, user ID or password(s), and we would never send a link by text or email to request this information.
  • Please call us at 800-290-1112 right away if you have any doubts, suspect someone has impersonated a Credit Union representative, or if you have recently provided this information by phone, email, or text.

 

On a Public or Personal Device

  • Always log out of online banking or the mobile application when you are not using it. Do not save your login credentials (email, banking, social media, etc.) on any public computer or leave the computer unattended.
  • Make sure you are visiting secure sites by looking for the lock icon in the address bar.
  • Install anti-virus software on your computer.
  • Do not share your device especially when you are automatically logged on to your email or bank account.


Steps to Take After Fraud is Detected

If you feel that you've become a victim of fraud or identity theft, please act swiftly. 

  • Report the identity theft to us immediately
  • Use your mobile device to immediately turn your card off with the free CardValet app
  • Cancel your card(s) to prevent further fraud transactions 
  • Balance your account for accuracy
  • If you would like to dispute a charge or report fraud on your American First debit or credit cards, fill out the necessary forms and mail or fax back to us.


Helpful Fraud Contacts

  • There are three major credit bureaus you can call to ask for a "fraud alert" to be placed on your credit or order copies of your credit report to review your full credit history. 
  • File a report to Federal Trade Commission (FTC)
  • File a police report and send a copy to your creditors

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