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Credit Card Fraud Alerts

We'll alert you if we flag a suspicious credit card transaction.

Receive fraud alerts via phone call, text message and email to help identify suspicious activity on your account.

How it Works

Our systems are constantly monitoring members' account activity for patterns or abnormalities that might indicate fraud. If a credit card transaction on your account falls into this category, we'll automatically contact you via text message through the phone number listed on your account. If the text message is not answered within 30 minutes, a digital call is made to the mobile phone number on file. If you don't have a mobile phone number on file, we'll give you a call on your landline and leave a voice message.

If your phone has caller ID, you can verify BECU member support calling you from 800-233-2328, and the Fraud Detection Department calling from 888-918-7313. Be cautious, as some fraudsters have spoofed or masked their phone number to look like they're calling from BECU member support. The scammer tells the member they're calling from “BECU Security” and may ask for sensitive information, such as Online Banking credentials, recent transactions or asks you to verify the last four digits of your debit or credit card. Find out more about scams to watch out for.

Important reminder: BECU will never contact you via phone, text or email to request sensitive personal information such as your PIN or Online Banking password. If you get a call from someone claiming to be from BECU who asks for any of this, hang up immediately. Do not call the number back. Manually dial our member service number to call us at 800-233-2328 and report the incident to our Card Fraud division.

Texts from this service will appear on your device from the number 49447. Upon receiving the text message, respond as soon as possible. If you authorized the transaction, reply with “yes.” If you didn't authorize the transaction, reply with “no.”

If there is no response to any of the previous attempts, an email will be sent to your home or work email address on file within five minutes after the final call attempt.

Keep in mind, though, that your reply will only be used to verify if you made the transaction in question. It won't authorize us to attempt the same transaction again if it was blocked the first time.

Frequently Asked Questions

No. Every member with a BECU credit card will receive the alerts. However, we encourage you to log in to Online Banking to make sure your phone numbers are current.

If you do not recognize the transaction and reply “no,” you will get another response prompting you to contact the Fraud Detection Department at 888-918-7313.

If you verify you made the transaction, you can continue using your card as you normally would. If the suspicious transaction was blocked, you'll need to reattempt it.

The next steps include:

  1. If the text message is not answered within 30 minutes, a digital call is made to the phone number on file. If there is no response, an automated message will prompt you to call the Fraud Detection Department at 888-918-7313.
  2. If there is no response within three hours of the message, a digital call is made to the home phone again; however, another message is not left unless the previous attempts were unsuccessful.
  3. If there is no response to any of the previous contact attempts, an email is sent five minutes after the final call to the home and work email addresses on file.
  4. If there is still no response, no further action will be taken by the automated service.
  5. At this point, it is up to the member to contact BECU for assistance. The member's card may be blocked at this point and may be declined.

No. Like many other BECU services, this is offered to members for free.

In this case, instead of a text, we'll contact you with a voice message.

Yes, if you'd prefer to not receive credit card fraud alerts, you can reply “stop” to text alerts to end communication. You can also opt out at the end of the digital voice message, or contact BECU member support at 800-233-2328.