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
The 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 confirmed, your account is closed immediately and a new account is generated for you.

  • Verified by VISA
  • Privacy
  • Security Tips

Verified by Visa is the easy new way to enjoy added security for all your online Visa card purchases. We are pleased to offer you this great service at no additional charge.


Register for Verified by VISA

Keeping your financial information secure is one of our most important responsibilities.  For an explanation of how we manage member information, review our Privacy Policy
  • 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, 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 internet 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.

CRCU Credit Card Security

Register for MasterCard SecureCode!

Register now for simple, free security when you use your MasterCard.