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Security Center


Financial institutions across the country are reporting a new round of Phishing Attacks, including some that appear to be from Community Resource Credit Union.

  • Phishing is a fraudulent attempt, usually made through email, phone calls, or SMS text messages seeking your personal and confidential information.
  • CRCU will never send you email, text messages or call you over the phone to request your personal information, or password. Never respond to such messages or phone calls.
  • Never respond to e-mails, embedded links, or phone calls asking you to update or verify confidential information

CRCU Won't Request Your Confidential Information
Remember, Community Resource Credit Union will never send messages (e-mail, phone or text) requesting your personal information, including card numbers, passwords or PIN.  If you receive a message asking for your personal or confidential information - do not respond.  Immediately contact us at 281.422.3611, 800.238.3228 or e-mail us to report the incident.

The tabs below contain additional resources and information to keep your personal information, and your money, safe and secure.

COVID-19 Related Scams

Protect Your Identity

Scammers may try to take advantage of the pandemic situation. Please know that CRCU will NEVER ask for personally identifiable information, like your account number or PIN.

There has been a lot of information lately about fraud targeting around the COVID-19 event. Things such as stimulus checks or emails about COVID-19 surges your city are popular along with even text messages to obtain personal financial information.  People are even doing fake testing sites for Medicare fraud. See below some resources & articles to learn more about these scams.

Tax-Related Identity Theft

3 Warning Signs:

  • Taxpayer learns of duplicate SSN either from IRS notice or e-File return reject(s)
  • IRS notice about additional tax owed, refund offset, or collection action when no tax returned filed
  • Taxpayer receives information from an employer unknown to them

Steps for Victims of Tax-Related ID Theft

  • Complete and file IRS Form 14039
  • Promptly respond to any and all IRS letters or notices
    • Victim cooperation important for investigation
  • Continue to pay taxes, even if by paper
  • Place a “fraud alert” on credit accounts by contacting one of the 3 main credit bureaus
  • Close all accounts opened by criminals
  • File a complaint with FTC
  • Contact local law enforcement

Verify Tax Preparer

  • Choose preparer carefully
    • Entrusting with private financial information
    • Verify information is protected!
  • Confirm tax preparer’s IRS Preparer Tax Identification Number online at IRS Directory of Federal Tax Return Preparers


What To Do If You're A Victim Of Fraud 
Call or email the credit union to explain that someone stole your identity and ask them to close or freeze the compromised account.
If fraud is a result of using your computer or phone, have your equipment scanned for malicious software.
Add alerts to your credit report to receive notifications if you have any changes.
Contact your local Police Department to make a report, if you are a victim of fraud.
Change your home banking username and passwords.
Check your credit reports from all three credit bureaus. Including TransUnion, Equifax, and Experian. This can be done one time a year at no charge by visiting
How We Protect You

CRCU has many security policies in place to make sure your financial information is protected.

  • Encrypted Data - Our website uses high-grade Secure Socket Layer (SSL) encryption during all transactions that involve sensitive data to and from members.
  • Multi-Factor Authentication - The multi-factor authentication is a secure and effective means of identity verification for signing on to Online Banking. It lets you know that it's really you accessing your accounts.
  • One-time passcode - This is a security feature that provides additional protection from fraud and identify theft. In addition to your username and password, it helps us to identify you as the true owner of your account. The one-time passcode can be sent either by text, voice call or e-mail. If the computer you use is not recognized, you will be asked for a one-time passcode the answers you setup related to your challenge question before being allowed access.
  • Internal Protections - Our internal network is protected by a wide variety of security software. We also conduct routine and regular security analysis on our network.
  • Online Services - To help lower your risk of identity theft and mail fraud, we offer paperless e-Statements & e-Notices and the ability to view check images online. In addition, our Online Bill Pay service allows you to pay your bills automatically and securely.


Your Rights Under Regulation E     

The Electronic Funds Transfer Act is commonly referred to as “Regulation E”. Electronic Funds Transfers services using debit cards, Touchtone Teller, Online Banking, Mobile Banking and Bill Pay have certain protections and liabilities under Regulation E, including:

  • You have the right to receive periodic statements and if your statement shows transfers you did not make, you have 60 days after the statement was mailed to you to notify CRCU. You may authorize periodic or recurring automatic payment from, and deposits into, your account. You have the right to stop payment on regular payments with three business days or more advance notice.

    Tell us at once if you believe your card has been lost or stolen or if you believe someone has used any EFT service, MasterCard® or access code, or otherwise accessed your accounts with us without your authority, or if you believe that an electronic funds transfer has been made without your permission using information from your check.

    If you tell us within two (2) business days of discovery that your card has been lost or stolen, you can lose no more than $50 if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn that your card has been lost or stolen or that there has been unauthorized use of an EFT service, and we can prove that we could have stopped someone from accessing your account without your permission, you could lose as much as $500.
  • Never keep your PIN with your debit card as you may be liable for unauthorized use. You are liable for all transfers of purchases made via your card, access code or passwords that you authorize or allow. You have no right to stop payment for terminal transactions, as those transactions are immediately deducted from your account.
Assess Your Risk
We recommend periodically assessing your online banking risk and put into place increased security controls where weaknesses are found; particularly for members with business accounts. Some things to consider when assessing your online banking risk are:
  • Who has access to your online business accounts?
  • How and where are user names and passwords stored?
  • How strong are your passwords and how often are they changed? Are they changed before or immediately after terminating an employee who had access to them?
  • Do you have dual controls or other checks and balances with respect to access to online banking transactions?

The tabs below contain additional resources and information to keep your personal information, and your money, safe and secure.

Reporting Fraud

Reporting A Lost/Stolen Card

If your CRCU MasterCard® is lost or stolen, please follow the steps below.

  1. Report your lost or stolen debit card immediately
  2. Call 281.422.3611 in Baytown, 281.462.2728 in Crosby or Atascocita, after hours call 1.866.664.9364

If your CRCU Credit Card is lost or stolen, please follow the steps below.

  1. Report your lost or stolen Credit Card immediately
  2. Call 1.866.664.9364

Community Resource Credit Union works to catch any fraudulent behavior and protect your accounts. However, there are also some simple things you can do. Click here to learn more.

CRCU Debit and Credit Card Fraud Detection System
CRCU employs a cutting-edge fraud-detection system that helps stop fraud at the point of sale for credit and debit card transactions.  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.

Identity Theft & Schemes     

Avoid becoming a victim of identity theft. Learn about these common schemes that target financial institution customers.

Member and non-members alike may receive fraudulent e-mails which claim to be from CRCU. These are sent by third parties, called 'phishers' (pronounced "fishers"), seeking to lure you into disclosing confidential and personal information such as passwords, credit card numbers, account numbers, PIN codes, or Social Security Numbers. These phishers are engaging in two forms of identity theft: they are impersonating our identity, and they want to steal your information to impersonate yours.
A phishing e-mail will generally follow one of a variety of possible themes:

1. Threatens to close your account, states your account is already closed, or states that there has been fraudulent activity on your account, and asks for immediate action by requesting personal information via a linked website.

2. Asks for personal information directly in the e-mail, possibly in a form within the body of the e-mail itself.

The term "smishing" is a combination of "SMS" and "phishing". This involves sending text messages to cell phones, at your expense. Although the messages are typically brief, they will often ask you to visit a website or dial a phone number.

Like vishing and phishing, smishing is a social engineering attack designed to steal personal information and does not originate from CRCU. Please forward any messages received to and do not visit any URLs given. We also recommend that you inform your cellular provider so that they can take preventative measures against these types of attacks.


Avoid theft The FTC has established a web resource to help deter and detect yourself against ID Theft. Learn about the crime of identity theft, and find out what to do if your identity is stolen.

Identity theft logos
You can fight identity theft by monitoring and reviewing your credit report. provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies

Texas Seal Identity thieves use stolen information to obtain new credit cards; open checking accounts; make long distance or collect calls; or make purchases on a stolen credit card. The office of the Texas Attorney General has established an online resource to help you fight identity theft.

IC3 logo In partnership with the FBI, the Internet Crime Complaint Center gives victims of cyber crime a convenient and easy-to-use reporting mechanism that alerts authorities of suspected criminal or civil violations.
Equifax’s Cybersecurity Incident & FAQs – Sept. 2017

On September 7th, the credit bureau Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. The company has found no evidence of unauthorized activity on Equifax’s core consumer or commercial credit reporting databases The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers.

To File a Claim, go to:

For general FAQs, go to:


Capitol One Cybersecurity Incident & FAQs – July 2019

On July 19, 2019, Capitol One determined that an outside individual gained unauthorized access and obtained certain types of personal information for over 100 million Capital One credit card customers and individuals who had applied for our credit card products between 2015 - 2019. Among those, 140,000 customers had their Social Security numbers stolen, an dabout 80,000 had their linked bank account numbers swiped. 

For general FAQs & to learn more about the cyber security incident, go to:

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