Protecting Your Financial Identity, Personal Privacy, and Account Security

At Mohawk Valley Federal Credit Union, your security is our top priority. We use advanced encryption technology, continuous account monitoring, and strict security protocols to keep your hard-earned money safe.

Explore our Security Center to learn how to spot common scams, protect your personal information, and know what steps to take if you suspect fraudulent activity on your accounts.

Reporting Fraud & Lost/Stolen Cards

Immediate 24/7 Assistance If Your Account or Cards Are Compromised

If you notice suspicious activity on your statement, receive an unverified transaction alert, or misplace your card, take action right away:

Important Security Reminder: Mohawk Valley FCU will never call, text, or email you requesting your Online Banking password, debit card PIN, or one-time verification codes. If someone contacts you asking for this confidential information, hang up immediately and call us directly.

Common Scams & Fraud Awareness

Stay Informed on the Latest Cyber Threats and Financial Schemes

Scammers are constantly developing new tactics to gain access to personal accounts. Knowing what to look for is your best defense:

  • Phishing & Smishing: Fake emails or text messages designed to look like official credit union communications, urging you to click a link to "verify your account."

  • Imposter / Tech Support Scams: Callers pretending to be credit union fraud agents, government officials, or tech support requesting remote access to your computer or phone.

  • Check Fraud & Fake Payment Scams: Requests to deposit a check from an unknown source and wire back a portion of the funds.

Protecting Your Online & Mobile Banking

Best Practices to Keep Your Digital Accounts Secure

  • Use Strong, Unique Passwords: Avoid reusing passwords across multiple websites. Combine letters, numbers, and symbols.

  • Enable Multi-Factor Authentication (MFA): Add an extra layer of defense by requiring a code sent to your phone or email when logging in.

  • Set Up Account & Card Alerts: Enable real-time push, text, or email notifications in Online Banking for transaction thresholds, password changes, or failed login attempts.

  • Keep Your Devices Updated: Regularly update your phone's operating system, web browsers, and antivirus software to patch security vulnerabilities.

Identity Theft Resources & Annual Credit Monitoring

Steps to Protect Your Personal Credit Profile

If you suspect your identity has been stolen or your Social Security number compromised:

  1. Place a Fraud Alert or Credit Freeze: Contact the three major credit bureaus (Equifax, Experian, TransUnion) to restrict unauthorized credit checks.

  2. Review Your Credit Reports: Request your free annual report to ensure no fraudulent accounts have been opened in your name.

  3. File a Report: Submit an identity theft report at IdentityTheft.gov.

Request a Free Annual Credit Report