Holiday Closing | We will be closed on Thursday, June 19th, in observance of Juneteenth.
Scheduled Maintenance | Due to scheduled maintenance, our electronic services will be intermittently unavailable on Monday, June 16th, from 8:00 PM through 11:30 PM. We apologize for any inconvenience this may cause.
Abandoned Accounts | If your account has had no activity in the last year and you have not contacted the credit union, your account becomes dormant. After three years of dormancy, your account becomes abandoned, and the funds in the account will be sent to the State Comptroller by June 23, 2025. Click here for more information.

There’s nothing more important to us than the safety and security of your accounts.

When you trust us with your savings and investments, that means something – and we’re 100% committed to living up to that trust. Here are tips you can use to contribute to your accounts’ safety, and to banking safely in general. It’s best to be aware of frauds that can allow identity thieves to take advantage of your hard-earned money. Together, we can keep your investments where they belong  – safe, secure, and right here at 5Point.

Fraud Tips

  • Tax season is here, and unfortunately, scammers are ready to take advantage. Be cautious of phone calls, emails, or texts claiming to be from the IRS. Remember, the IRS will never call or email you demanding immediate payment or personal information. Always verify before you share anything sensitive, and if it feels off, trust your instincts. Stay informed, stay safe, and let’s make this tax season scam-free!
  • Phone number spoofing is on the rise. If someone asks for your home banking login information, to click a link, or download an app, DO NOT RESPOND. Hang up immediately and call the credit union directly by dialing 1.800.825.8829 from your keypad or visit your nearest branch.
  • 5Point Credit Union will never call or text you asking for verification of your card number or PIN.
  • A common fraud attempt uses spoofing to clone our number. The individual will receive a call that appears to be coming from our main 800 number. Fraudsters are making automated phone calls to people in our area. The call states they are with the "5Point Credit Union fraud prevention line. We have recently noticed a failed log-in attempt. If this was not you, please press one." After "1" is pressed, they ask for your 16-digit account number, which is when they steal your debit or credit card numbers.
  • Another attempt uses a text asking if a charge is valid. When you respond “No,” you will receive a Samsung or Apple Pay code via text. The fraudster will then call asking for your code. If you give the fraudster the code, they will use the code to hack your digital wallet.
If you are suspicious of a call, or text you have received, HANG UP and call the credit union directly. Be sure to use your keypad and type in 1.800.825.8829. Do not click the link in your "recent calls" list, as this will connect you to the fraudsters.

Safe-Banking Tips

  1. Create a strong password. Make sure it’s unique to our site, and use a mix of characters and symbols to make it harder to crack. Read more about how we keep your online 5Point account safe here.
  2. Always check the source. 5Point will never send you a text or email asking for your login information. If you receive a communication claiming to be from 5Point that asks for this kind of privileged information, please report it immediately. For more email fraud prevention tips, click here.
  3. Read the fine print. When you receive mail about your 5Point loans, make sure it was actually sent by 5Point. Click here to view an example of mail fraud attempting to look like it was sent from the 5Point Mortgage Department.
  4. When you check your account online, make sure you’re using a secure location. Use a computer that’s exclusive to you, or use a computer or network you know and trust. Always log out when you’re finished.
  5. Check your credit report annually.
  6. Monitor your postal mail, and shred documents containing personal information before discarding.
  7. Beware of telephone scammers. These thieves often target the elderly, posing as telemarketers or employees of an organization and asking for a “good faith” payment for a real product or company. In this way, they receive credit card numbers and sometimes passwords. Click here to read about scammers pretending to call from the Social Security Administration in order to get your Social Security number. 
  8. When traveling, be aware of “skimming.” Local thieves are known to rig ATMs with tiny hidden devices that record and transmit card data. You can avoid this by checking an ATM for a Bluetooth signal (often a network named Free2Move). If you detect one, move on to another ATM.
  9. Never let anyone you don’t know use your account for any purpose. A type of thief known as a “card cracker” offers to pay you for the use of your bank account. He or she asks you to deposit checks, often through remote deposit or ATM. These checks are unfunded, but once the other party has withdrawn the money from your account, you are liable for these counterfeit checks when they are returned.

Fraud Information Resources

Click here for a list of commonly used fraud tactics.

The National Credit Union Administration offers tools to help the elderly manage money and protect themselves against fraud. Find out more about financial scams that are specifically targeting older Americans and how to avoid being victimized using the MyCreditUnion.gov website. The agency’s Consumer Assistance Center is available to answer questions or handle complaints.
 

 

How to Report Fraud on your 5Point Debit or Credit Card:

If your 5Point debit or credit card has been lost, stolen, or you suspect fraudulent activity, cancel your card immediately by calling 1.800.825.8829. You can also report to the following:

1.800.825.8829 Visa Debit

How to Report Identity Fraud:

If you know, or even think, you’ve been a victim of identity fraud, take immediate action and follow these five steps. More specifics can be found on the FTC’s Identity Theft Website.
 
  1. Report the fraudulent activity. If the activity is related to our financial institution please contact us directly. If it is related to another financial institution, your credit card company, or any other organization contact them directly. Contact one of the three consumer reporting companies and have a fraud alert placed on your credit report. This will help stop fraudsters from opening any additional accounts in your name.
  2. Contact only one of the following (the others are required to contact the other two):
  3. Close any accounts that you know - or even think – might have been tampered with or opened fraudulently. Report the transgression to a security spokesperson at the relevant company. Ask them about any additional steps – they’ll probably ask you to send relevant copies of the fraudulent activity. The FTC Identity Theft Report has replaced the FTC Identity Theft Affidavit. When you report identity theft to the FTC at IdentityTheft.gov, you will get an FTC Identity Theft Report. The Report serves as your statement, created under penalty of perjury, about the identity theft. You can use the Report the same way you would have used the Affidavit.
  4. File your complaint with the FTC. Use the online complaint form; or call the FTC’s Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.
  5. Sharing your identity theft complaint with the FTC will help law enforcement officials track down identity thieves and stop them. Call or visit the local police or police in the community where the identity theft took place and file a report. Have a copy of your FTC ID Theft complaint form available to give them. Obtain a copy of the police report and the police report number.

How to Report a Cyber Crime:

If you've been the victim of a cyber crime, file a complaint with the Internet Crime Complaint Center (IC3) at IC3.gov. Click here to learn more about cyber crimes and the IC3. 
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