How to Avoid Fraud Alert Phishing Scams
Criminals continue to attempt new types of financial scams, including sending fake SMS text alerts that impersonate BECU’s fraud monitoring for debit, credit card, and Zelle® transactions. Their end-goal is gaining access to your account. But there are ways to protect yourself.
Here's how we do things — and what we'll never do
We want you to know what you can always expect from us.
- We will not ask for your Online Banking User ID.
- We will not ask for your Online Banking Password.
- We will not include a link in a text message. A fraudulent or “spoofed” text message typically includes a link that directs you to enter your Online Banking User ID and Password.
- We will continually monitor your accounts for suspicious activity. If we suspect fraud on your debit or credit card, we'll send you a text message, email or automated phone call.
- If we send a text message, you'll be asked to reply YES or NO, or advised to call the BECU servicing number on the back of your card to verify card usage. If you identify unauthorized transactions, you'll be connected with a live person.
Beware. And be prepared.
Scammers are getting more creative. Here's how to keep your account safe.
- If you receive an unsolicited call and the caller asks for personal information, hang up. This is most likely fraud. Remember, phone numbers can be spoofed. We recommend you call BECU directly at 800-233-2328.
- Zelle users: read before you reply. After making a Zelle transfer, you'll receive an SMS text to verify a transaction. If a message instructs you to reply YES, make sure you read and understand the purpose of the message before responding. If it's from a scammer, replying YES may inadvertently authorize a fraudulent transaction from your account.
- Some fraudsters are impersonating BECU employees. They're using names and locations of actual BECU employees. They may even suggest you look them up online as a reassurance of legitimacy.
- Consider adding a code word to your account. A code word adds a layer of security to your account. When you call or visit a BECU location, the employee will ask for your code word to verify your identity and ensure the person in front of them is actually you, and not someone posing as you. Learn how to protect your account with a code word.
- Remember, never share your login credentials or one-time passcodes sent in a text or email. This information can give a criminal immediate access to your account.
What to do if you've been a victim
If you have concerns about a suspicious communication you've received or responded to, please contact us at 800-233-2328. You can also send us a secure message using Messenger in Online or Mobile Banking, or visit any BECU location. Visit our Locations page to find one near you.