Protecting Yourself from Identity Theft

Identity fraud happens when someone steals personal information such as your bank account number or Social Security number and then uses this information illegally, such as withdrawing money from your account.

If you are a South Texas FCU member and you think you are victim of fraud, immediately contact us.

Take these precautions to protect your information
  • Be discriminating when providing personal information such as Social Security number and account or credit card information over the telephone, in person or on the Internet. Don't give out this information unless you are sure with whom you are dealing.

  • Protect your Social Security number and the Social Security numbers of your children and other family members by not carrying them in your wallet.

  • Report lost or stolen checks, credit or debit cards immediately. South Texas FCU will block payment on the check numbers or account numbers involved.

  • Store cancelled checks, new checks and account statements in a safe place.

  • Notify your credit union of suspicious phone inquiries such as those asking for account information to "verify a statement" or "award a prize."

  • Review your credit report at least once every year. Make sure all information is up-to-date and accurate.

  • Memorize your PIN (Personal Identification Number) and refrain from writing it, your Social Security number or credit card number on a check.

  • Tear up or shred any pre-approved credit offers to which you do not respond. Thieves can use these offers to assume your identity.

  • Keep mail secure. Don't mail bills or sensitive information from your home or unsecured mailboxes. Retrieve and review your mail promptly. Thieves may use the personal information contained in your mail to steal your identity.

  • If you do not receive your regular bills when expected, call the company to find out why.

  • Review your monthly account statements thoroughly. Investigate suspicious items immediately to head off any possible fraud before it occurs.

  • Do not carry your Social Security card, passport or birth certificate unless needed that day.

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