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Identity Theft

All consumers are vulnerable to becoming victims of fraud and identity theft...

The success of identity thieves depends greatly on the steps you take to protect yourself. At stake is your financial health and your reputation. Once thieves rob your identity, they can empty your bank accounts, obtain medical care, steal your tax refund, and apply for loans and credit cards, all under your name.

You need to know how to protect yourself and what can happen if you don’t...

Identity thieves can do a lot of damage. Considering how much is at stake, the extra effort you extend to protect yourself 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.

Coronavirus Scams To Watch Out For Read >>


We Are Taking Action To Keep You Safe...

  • We diligently monitor accounts and verify suspicious transactions.
  • We take extra precaution confirming 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.

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. By providing information that helps us verify your identity and “know” who you are, you are providing us the tools we need to further enhance our institution’s safeguards.

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Know Your Customer (KYC) >>

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 is the process of verifying the identity of a member through 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 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. 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.


Make Identity Protection a Habit

Having a strong password, signing up for fraud alerts, or regularly monitoring your credit report are just some ways you can protect your identity. Take this short, interactive lesson from USSFCU's Best Life Learning Center to learn more about protecting youself.

Start Learning

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Elder Financial Abuse >>

The effects of elder financial abuse can be devastating. In addition to financial losses, victims may also experience feelings of depression, fear, shame, anger and depleted physical health.

Don’t be afraid or embarrassed to talk about it with someone you trust. You are not alone, and there are people who can help. Doing nothing could only make it worse. Keep handy the phone numbers and resources you can turn to, including the local police, your financial institution (if money has been taken from your accounts), and your area's Adult Protective Services

Learn More >> 

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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.

It's your staff that make us keep coming back for years and years.

Thank you for letting all of us be a part of your celebration - Happy 85!

USSFCU makes me feel more appreciated than any bank I've had before and helps me save for my future home.

USSFCU Happy 85!!! Best banking and customer service since I was 12. Thank you!

Happy Anniversary to an institution that has become part of our family! Thank you for everything!

Happy Anniversary, thank you for helping retirees with better rates.

Happy Anniversary and thanks to all employees for always being friendly and providing great service.

It's your 85th anniversary, and it's my birthday month - Happy Anniversary to you and Happy Birthday to me!!!

I really enjoy USSFCU's great customer service! They are always so helpful when I call or visit a branch and make my banking experience easy and enjoyable. Thank you!

Congratulations on your 85th year! Thank you for being the best credit union in the business.

Happy 85th Anniversary! I've been a member for 27 years and have always appreciated the great rates and service. Here's to at least 85 more years...

I was referred to USSFCU when I was building my swimming pool. This is the first banking experience that I have had in 48 years that has been so pleasant. USSFCU is the best and the ease of utilizing them for your banking needs is a MUST! Happy Anniversary and MANY MANY MORE!

Happy 85th Anniversary USSFCU and thank you for providing the services that you do as you helped my family to fulfill a dream that we had and it is certainly appreciated.

Happy Anniversary! Much to be proud of... especially the customer service.

When I joined in 1992, I was young and didn't have much financial wherewithal. Over the years, when I've needed a loan, you've helped me out. When I had extra money not doing anything in a savings account, a representative reached out to me to open a money market account. When I bought my first car, you gave me that loan. You've helped me on my fin...

Happy 85th Anniversary! Thank you for providing such great service to all of us who have worked for the U.S. Senate. Having a credit union devoted to our financial care is appreciated. Here's to 85 additional years!!

Happy Anniversary, USSFCU! I have been a proud member since 1993 when I opened my account upon getting my first job out of college in the Architect of the Capitol Curator's Office. Thank you for your service! It's been a great banking experience for me for 27 years.

Happy anniversary! I'm a 20 year member -- I've had/have numerous loans and have always had a great experience working with your staff.

Happy 85th Anniversary. I have been a member for 27 years. I have had nothing but success with my financial goals as a member of USSFCU. Thanks so much!

I joined USSFCU in 1993. I had just started a job as Executive Assistant to a U.S. Senator and being a Black Woman, I felt intimidated and not always accepted in the Senate environment. The one place I felt truly welcomed and comfortable was in the credit union. The staff was professional, courteous and made me feel at home the minute I walked in ...

I am so grateful to be apart of the USSFCU family. I have received outstanding service and am very glad I decided to join this credit union.

Happy 85th to USSFCU!! Thanks for everything! Here's to 85 more years!

Happy 85 years! May your operations continue to flourish!

The USSFCU has been great. I signed up my 2 sons and they have been able use the banking services for their higher education.

Happy 85th from a 53-year member. I remember when the credit union was located adjacent to the barbershop in the basement of the Old Senate Office Building. Great service then! Great service now!

I work in-state but your agency has made it so easy to do business with in many ways. I have a VISA, checking, savings etc. with you and even when I call from Ohio, everyone is so helpful and eager to help. Thank you and Happy Anniversary.

My 38th year as a USSFCU member! I love the personalized service and your kindness over the years. Happy 85th Anniversary!

My first job in Washington was at NRSC which came with Senate FCU privileges. That was in 1989 - I left DC in 1995 and to this day I love the reaction when people see the senate emblem on my credit card and checks.

I joined right after college after accepting my fist job in the USS; now 26 years later, I'm still a member and so happy with your products and service! Congratulations on 85 years of doing right by your members!

As a member of USSFCU since 1967, I can remember when it consisted of one room in the basement of the Russell Building. Congratulations!

Happy 85th! You don't look a day over 30.

Thanks for the great service members receive every day. Happy anniversary.

I have been a member of USSFCU for sixty years and it is still my financial institution of choice. Their service is exceptional and their staff is friendly and helpful.

I was a senate page and messenger for the sergeant of arms when I was 15. 43 years later I'm still a member. I could find no better place to bank despite overseas military serves. Simper Fi! Works here also.

Happy 85th Anniversary USSFCU. I have been a member since I began working for Senator Alan Cranston (Democrat from California) in 1982. Although, I left the Senate when Senator Cranston left office, I have remained a member of the United States Senate Federal Credit to this day. I have had nothing but positive service from USSFCU and will continue ...

More than 20 years with the USSFCU. I am grateful for their friendship. Happy Anniversary!

Happy anniversary! I feel safe and secure banking with my USSFCU family.

Happy anniversary! The wife and I are so happy to be members.

Happy Anniversary! Keep adding value to the great banking services provided to make peoples' lives better.

Happy Anniversary! Thank you for all you've done for our family over the past 3 years.

Congrats!! This is the first credit Union I've ever joined and my experience so far has been fantastic!! From everyday help with new cards, to recently adding my new wife to our account after our wedding on 9/27! Thank you for all of you do!! Looking forward to another 85 years!

It's hard to believe how much we've been through since we got together in 1972- two children with accounts, cars, home improvements. I don't know what I would have done without you.

Happy Anniversary to our wonderful family! Wishing you many more years of accomplishments!

Happy Anniversary to USSFCU! I have been a member since 1982. I only worked in the Senate for one year but I'd never give up my membership in the USSFCU! Here's to at least 85 more years!!

My 85 year old mom was born on October 8, 1935... exactly when USSFCU was founded! How's that for karma!!

Happy anniversary United States Senate Federal Credit Union. I love my credit union and the great rates with Visa and car loans. Hoping to refinance my home soon with y'all. My birthday is October 8 and I'll be 57, to think that USSFCU was already 28 years old when I was born. That's amazing keep the good work up.

Thank to the entire USSFCU Team. My every interaction with all of you has been kind and efficient. I appreciate all our your efforts to make our days a little easier and brighter!

Congratulations to USSFCU for 85 years of service...I joined when the Credit Union was just a room in the basement of the Russell Building nearly 50 years ago.

Congratulations Senate Federal Credit Union on celebrating 85 years! I have been blessed to be a member since 1998! I also had the great honor and pleasure to support the Hart Branch of the USSFCU while an employee of the Senate Sergeant at Arms Operations Division! The Hart Branch of the USSFCU has the kindest, friendliest, most professional emplo...

I started in the Senate in 1977. I was in need of a car and had just a few hundred dollars to my name since coming from Minnesota. My boss told me about the Credit Union and walked me over to the Russell building and introduced me to Virginia P. where I joined and she gave me a loan for 1600.00 to buy a car that afternoon.

Congrats! USSFCU has been a reliable financial partner for my family saving me on fees and with low car and personal loan rates. On to the next 85 years!

Thank you for your wonderful service. I joined in 1989 when working for Senator Cochran.

Happy anniversary! Thank you for decades of superb service!

Glad to be part of this great anniversary!

Wishing you a most happy 85th Anniversary. You provide excellent service!

Congratulations to USSFCU on 85 years of service to the community.

Happy Anniversary to one of the best credit unions in the United States! Great for all banking needs.

Happy Anniversary!!! I have been a member since 1993...thank you for the excellent service throughout the years...I wouldn't trust anyone else with my money!

Happy Anniversary USSFCU, you have always been there for me! Your personalized businesses model is unprecedented exhibited by professionalism, kindness with a willingness to make your clients happy will keep us all coming back for years to come! Cheers to the next 85 years.

Happiest of anniversaries to a super credit union. You have given us kind, faithful service. May you be richly blessed in return.

Our family really appreciates all the services the credit union has to offer. We have financed (and re-financed) our mortgage, opened retirement accounts, and established our kids' first bank accounts with USSFCU. Thanks for all that you do!

Thank You for being there through all of these years.

Been a member for more than 50 years. Congratulations!

Happy Anniversary. Keep up the great Union benefits.

I've been a member since I first moved to the area and wouldn't change a thing!

When I became part of the Senate staff it was clear many new doors would open. One, to ussfcu, has remained so for many (about 50 or more) years, helping us through small and larger problems, We have used, enjoyed and appreciated their services.

I've enjoyed banking with USSFCU over the years! It was helpful for managing my money for everything from grad school to my first home to my kids!

A colleague told me she was getting a higher than average interest rate on her savings. I said, "That's the bank for me!"

Congratulations on 85 years. Opening a USSFCU account was one of the very first things I did when I started working on Capitol Hill 20 years ago and I?ve never looked back. It?s my primary bank account to this day. Best wishes for the next 85 years.

Happy 85th. I joined at age 16 in 1979 when I started what turned out to be a full career with the Senate. Things certainly have changed as USSEFCU grew and dropped the "E".

The USSFCU has always been there for me. The staff has shown nothing but professionalism.

Congratulations on 85 years of service to the Congressional community!

I had just graduated from college mid-year and moved to DC from the Midwest in January 1982. One of the first things I was told to do after starting work in the Senate was to open an account at the credit union. I did, and despite the fact that my boss lost in 1984, I have kept my account. The credit union helped me buy my first car. Lots of great ...

It?s a Happy Anniversary for all USSCU members thanks to the 85 years of wonderful and thoughtful service!!! I still love my classic checks! Happy Anniversary!

Happy 85th Anniversary USSFCU! I have been a member since 1983 and I appreciate the tremendous service that I have received throughout my 37 year membership. Keep up the great work!

Ever since I joined in 2011, I've experienced nothing but superior service from USSFCU! From teller assistance to phone conversations, I have never been disappointed. I've banked with many different institutions but I can never see myself leaving USSFCU. Thanks so much!

Happy 85th birthday to an incredible credit union who is always looking out to its members each and every year. Congratulations on this milestone!

Congratulations USSFC! Great customer service. A first class organization!

Very thankful of the stability provided by the USSFCU in these crazy times. Wishing you all safety and love and Happy Anniversary.

Congratulations USSFCU!!! I am a long time member, not only because it is convenient but because of the great service from Credit Union staff. Friendly efficient service from staff at the Hart, Alexandria and GAO locations always comes with a smile. I can't wait for the next annual meeting. Thanks and looking forward to another 85 years.

Thanks to the USSFCU I was able to receive a car loan after years of bad credit. This is a wonderful institution.

Happy Anniversary! Thank you for all that you do. We love our new pool!

I worked in the Senate for 23 years and it was so convenient to dash down to the Credit Union. Following that, I went to the State Department to work for a senior official. My contact from the Credit Union (Dana) was extraordinarily helpful in all things money-related for my "Principal" and for me. I couldn't have managed nearly as well as I did wi...

Thank you for serving the community. It is a pleasure and a joy to say I am a member.

Congratulations USSFCU! I appreciate your efforts to expand services and protect your membership here and abroad.

As a member for more than 40 years, I am thrilled that the USSFCU has reached this milestone, and I wish continued success in the next 85!!!

I have been a member for 40 years and it is one (1) of the best decisions I have ever made for my financial future. Greta, was my 1st teller and has continued to be a very supporting advisor throughout all these years..Happy Anniversary to all your members.

The USSFCU has ALWAYS given me and my family the best service for the last 20 years. I would never switch my banking to any place else. They?re the best!

Eighty-five years is about a lifetime. That's how long we can depend on USSFCU to be with us in good times and bad - for a lifetime.

Estoy muy contento ...

Congrats on making it to 85 and still giving the 3S: Stability, Security, Service and do add Satisfaction

Happy Anniversary! 85 years of helping people fulfill their financial goals, woohoo!!!

I just heard! Is it true? Eighty-five years... Whoop-de-do!

USSFCU has been a great resource for this service disabled Vet - thank you & happy anniversary!!!

Happy 85 Anniversary, I thank for the great job you guys always do, Thanks for allowing me to be part of your family.

Awesome to be celebrating my 25th year Silver anniversary with my credit union spouse the same week that USSFCU is celebrating 85. Much love and gratitude.

A credit union is the financial bestie for working people. I was employed as a credit union rep for 9 years. I promoted legislation to save credit unions as a Us Senate staff representative. Credit unions know who we are as people. I salute the services and dedication of 85 years non stop from the UNITED STATES SENATE FEDERAL CREDIT UNION. Please g...

It?s not just a corporate anniversary, it is an anniversary of a family and community that has grown stronger over the years. USSFCU started with a few but now there are many, not only in numbers but also in engagement, resources, and talents. Wishing you many more years of unparalleled service and success. Happy 85th anniversary USSFCU!

Congratulations from Michigan. Many more successful years ahead.

Happy Anniversary! Your dedicated customer service, both in person and by phone, is greatly appreciated. Thanks for doing it right!

Happy 85th anniversary USSFCU. Thank you for your service! I appreciate the credit union so much.

Congrats! Thanks for being my bank for 42 years!

Have been a happy USSFCU member since the 1980's!

Cheers to our Credit Union on its 85th! Proud to be a Member! Being part the USSFCU has special meaning for me because the first Federally-chartered credit union in the United States was in my hometown: Texarkana, Texas (Morris Sheppherd FCU, in 1934). In addition, a huge influence in my future life in Washington was Congressman Wright Patman, who ...

Happy anniversary USSFCU! I've been a member for 30 years (I'm pretty sure). It's been a great convenience having you in the building, and everyone is always super nice. Thank you!

Thank you for all of your great support over the years! It's nice to call and get similar voices, too, so that means you take care of your employees. Keep up the good work!

2 years ago my dream of owning my own pool came true! Thanks to USSFCU we were able to put in a pool, making my childhood dream come true! Today my children enjoy the pool all the time! Thank you and happy anniversary!!

Happy 85th Anniversary! I have been with the USSFCU since the 80's when I first started working as a teenager. Many loans, careers, military service and years later I am still here despite attempts by other institutions to gain my business. The USSFCU has always been fair, reasonable and looked out for my family and I.

It's been a pleasure banking you'll for nearly 20 years starting with a young savers account. You'll have great rates and the new learning tools are just amazing keep up the great work.

Happy Anniversary! I've been a member over two decades and appreciate the ease of banking and excellent customer service I?ve always received. Cheers to 85 more years!

USSFCU was my first bank - I can remember back in 1998 when I deposited my first check! I have continued to rely on USSFCU for all my banking needs throughout my life milestones and look forward to the future.

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