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Identity Theft

Everyone is vulnerable to identity theft & fraud. The key is knowing how to protect yourself and what can happen if you don’t.

Identity thieves can do a lot of damage, and their success depends greatly on the steps you take to protect yourself. Considering how much is at stake, making the extra effort is well worth it.

Keep Your Personal Information Private

Social media is a great place to share information. However, that should never apply to personal information. If you share even innocent-sounding data, like your birthday, workplace, or phone number, you give thieves openings to attack your identity. You can protect yourself through strict privacy settings that prevent strangers from seeing personal information. In addition, you should omit personal information in your posts and tweets. Once that information is out there, you can never erase it.

Limit Your Digital Footprint

That footprint includes items such as usernames, online searches, purchasing behavior, and electronic transactions. Protective steps you can take include deleting old accounts, browsing incognito, and removing yourself from data collection sites, which is something you can hire a service to do. Consider using a virtual public network (VPN) to protect your privacy as you surf the web and/or share files. When shopping online, use temporary virtual credit card numbers (available from card issuers or third-party services) to reduce your exposure to fraud.

Avoid Risky Behavior

This starts with using different passwords for different accounts. Keep all your passwords in a secure online vault so that you don’t have to remember them and change your passwords often. Never click on an unexpected email link, even if it looks safe, as doing so exposes you to a phishing attack. Instead, contact the email party by going to the supposed website through your browser. Never type your password or user ID into an unfamiliar sign-in screen.

Monitor Your Credit Reports

The credit reports maintained by the three major credit bureaus (Experian, TransUnion, and Equifax) are available each year for free at AnnualCreditReport.com. By reviewing your reports, you can spot suspicious activity or unfamiliar accounts that indicate possible identity theft. Immediately dispute any mistaken data by directly contacting the credit bureau. Also, set up your financial accounts to provide fraud alerts in real-time. Consider subscribing to a protection service to help prevent and repair identity theft.

Be Observant when Withdrawing Money from ATMs

Look for worn-down parts and malfunctioning screens. These may indicate the presence of a card skimmer. Contact us if you think you have used a compromised ATM.

Monitor Your Checking and Savings Accounts

Use mobile banking and check your accounts frequently. Sign up for alerts that instantly notify you of transactions.

Safeguard Your Username and Password

Never share your username and password. Change your passwords every 30-60 days especially if you are using third-party aggregators such as Mint, Quicken, or Acorn.

Be Mindful of Your Wi-Fi Connection

Never log in to your account through a public or unsecured connection.


USSFCU is taking action to keep your personal information safe...

USSFCU is dedicated to ensuring that our institution is secure. We are consistently taking steps to protect not only you, our members, but also to secure our financial system against bad actors who wish to utilize our institution for their own corrupt purposes.

  • We diligently monitor accounts and verify suspicious transactions.
  • We take extra precautions to confirm member identity.
  • We provide 24-hour phone support for lost or stolen cards.
  • We offer the ability to change personal identification numbers (PINs) on USSFCU cards at USSFCU ATMs.
  • We do not hold members liable for unauthorized transactions on their USSFCU cards.
  • We adhere to the "Know Your Customer" process to verify our member's identity.

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What is the "Know Your Customer" Process?

The Currency and Foreign Transactions Reporting Act of 1970 (the legislative framework that is commonly referred to as the “Bank Secrecy Act”) requires U.S. financial institutions to assist U.S. government agencies in detecting and preventing money laundering and terrorism financing.

Financial institutions need to conduct KYC on their customers to reduce the likelihood of becoming a legal vehicle of financial crime.

Know Your Customer (KYC) is the process of verifying the identity of a member through an independent and reliable source of documents, data, or information. Different information is requested depending on whether you are an individual member or an entity.

  • For individual members, the Credit Union will obtain the member’s identity information, which includes full name, address, taxpayer identification number (TIN), and date of birth.
  • For non-individual members or entities, the Credit Union will obtain identification data to verify the legal status of the entity, the operating address, and the individuals with ownership or control over the account (i.e., beneficial owners, signatories, or guarantors).

Information is also required regarding the nature of employment/business that the member does or expects to undertake, the purpose of opening of the account with the Credit Union, as well as the expected activity on the account.

KYC is to be performed at the time of opening a new account and periodically thereafter. It may be necessary to obtain additional information from existing members based on changes to the account. Similarly, an existing member will be required to provide updated information for new account openings to adhere to the regulatory requirements.

Please note, that the Credit Union is entitled to decline opening an account or discontinue an existing relationship if there is a failure to meet the minimum KYC requirements.

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USSFCU will never ask you for your personal information via text or email. 

Personal information includes your credit card number, member number, social security number, date of birth, etc. If you receive a text or email from USSFCU requesting any personal information, do not reply, instead contact us immediately at 800.374.2758.

If you believe that someone is using your personal information, visit IdentityTheft.gov, the federal government’s one-stop resource for reporting and recovering from identity theft. The site provides step-by-step advice and helpful resources like easy-to-print checklists and sample letters. You'll also find additional resources and information about identity theft and fraud on the website of the Federal Trade Commission.

Stay up-to-date on financial and identity theft scams, visit our security blog.

Security Corner >>

Make Identity Protection a Habit

Take this short, interactive lesson from USSFCU's Best Life Learning Center to learn more about protecting youself.

Start Learning

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In addition to financial losses, victims may also experience feelings of depression, fear, shame, anger, and depleted physical health. Learn more about protecting yourself and/or your loved ones from this growing crime.

Elder Financial Abuse >>


The content on this page provides general consumer information. It is not legal advice or regulatory guidance and should not be considered investment advice. We do not endorse or guarantee the accuracy of third-party information. Online financial education offered through EverFi, a third-party. USSFCU is not responsible for the accuracy, security, or content of other websites. In addition, the third-party information is not intended to provide tax, legal, real estate, or investment advice.

Members' Voice Testimonials

I feel my money is safe, the service has always been top-notch and we've found it easy to use even though I probably haven't set foot in one of the branches in five years. Joining the credit union is one of the smartest things I've done.

USSFCU has been my first banking option for over 40 years - no fee atms - my grands are now members of the credit union and value their credit union membership also.

USSFCU staff continues to be the best and always has my best interest.

The USSFCU has been an important part of my financial situation and has provided outstanding service.

Every experience with USSFCU has been extremely good right from the start. Our main account with USSFCU is a HELOC with zero over prime rate, which is almost unheard of. The customer service has always been excellent. And when we asked for a temporary payment break to navigate and reorient professionally due to the sudden and temporary financial im...

I've always been treated very professionally and the person caring for my financial needs always listened to me and helped me in a way that was not stressful and beneficial to me.

USSFCU has never failed us in its' role of being the best bank ever. All the personnel are professional, friendly, efficient and have more than earned our trust, appreciation and admiration. We admire the way they are constantly evaluating, adapting and growing their services for the benefit of its' members. We are very grateful to have had this im...

Magnificent people, great help during the hard times.

I've been banking here for over 20 years it's the best customer service. Credit card interest rates don't gouge at USSFCU. It's a wonderful place to bank.

Very personable, solution based and takes an interest in your situation.

Provides excellent customer service and this is demonstrated by their great attention to detail. USSFCU provides excellent financial products and professional communication.

I joined in 1975 when I began my 41 year career in the U.S. Senate. It was a family and still is - one to be depended on in times of need and for advice.

The credit union provides relatively good services and the security updates to the system are noticeable.

All of my children and grandchildren have USSFCU accounts now. I really admire USSFCU and its staff completely, they have always looked out for my interests.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

I am very satisfied to belong to this institution and whenever I need support it is good to know that I count on you.

This credit union is the best, I love the customer service and you can?t beat the interest rates. And I?m happy to be a member of this great credit union.

Great staff helping all the time. Just a very well run company always good service.

Always good service, especially when I telephone in. I have another credit union where, every time I call in, I have to wait a considerable amount of time before reaching a representative. When I worked on the Hill, it always was a pleasurable experience coming to the credit union office, whether to make a deposit or apply for a loan.

Customer service via the phone is very helpful and easy to accomplish requests.

Care about their clients and concerned about making sure they have the best rates and packages.

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