Credit & Debit Card Fraud Detection and Prevention
Community Resource Credit Union utilizes a cutting-edge fraud-detection system that helps stop fraud at the point of sale for credit and debit card transactions.
How It Works
Our system identifies certain typical situations in which card fraud can occur. If questionable activity is detected, the system compares the charge in question to your normal spending pattern and "scores" it based on the likelihood of fraud. If the system determines that there is questionable activity on the account, it is queued to an investigator to contact you for verification of the charges.
If fraud is detected, we will contact you from one of the numbers listed below. This means if you see any of these numbers on your caller ID, you can know with confidence that it is the CRCU Security Center.
CRCU Security Center Phone Numbers
- Telephone: 877-230-3179, or 800-889-5280
- Text Message: 33748
If fraud is confirmed, your card is closed immediately and a new card is generated for you.
- Always keep your credit or debit card in a safe and secure place. Treat it as you would cash or checks. Contact us immediately at 281.422.3611 in Baytown, 281.462.2728 in Crosby or Atascocita, or after hours call 1.800.442.4757 if your card is lost or stolen, or if you suspect unauthorized use.
- Do not send your card number through email, as it is typically not secure.
- Do not give out your card number over the phone unless you initiated the call.
- Regularly review your account statements as soon as you receive them to verify transactions. Contact CRCU immediately if you identify any discrepancies.
- To protect your account, CRCU recommends that you change your Personal Identification Number (PIN) every six months.
- Memorize your PIN. Don’t write it down anywhere, especially on your card, and never share it with anyone.
- Shop with merchants you know and trust.
- Make sure any online purchase activity you engage in is secured with encryption to protect your account information. Look for “secure transaction” symbols like a lock symbol in the lower right-hand corner of your web browser window, or “https://…” in the address bar of the website. The “s” indicates "secured" and means the web page uses encryption.
- Always log off from any website after a purchase transaction made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information.