At The State Credit Union, our goal, quite simply, is to minimize your exposure to risk and the impact of any fraudulent activity on your accounts.

To protect your account, The State Credit Union monitors debit card transactions for potentially fraudulent activity through a Fraud Detection Program called EnFact Premium Testing.  Potentially fraudulent activity may include a sudden change in locale (such as when a U.S. issued card is used unexpectedly overseas or in a foreign country), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent debit card use, our monitoring agency will either send you a text* or call you to validate the legitimacy of your suspect transactions.

If our system detects suspicious activity on your card, you'll receive a text message with details about the suspected transaction.  All you have to do is respond to the text to confirm the transaction.  If you indicate the transaction is fraud, you'll receive another message with a number to call for follow-up.  If not, you're all set.  The system will mark the transaction as legitimate and you can get on with your day - simple as that.

If fraudulent debit card use is suspected on your account and we can't reach you by text message, you will be called to validate the legitimacy of your transactions.  Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your debit card.

• Our call center will ask you to verify recent transaction activity on your card.
• You'll be asked to verify your identity.
• You'll be able to respond via your touchtone keypad.
• You'll also be provided a toll-free number to call should you have additional questions.

To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone numbers (cell, home and work) and address at all times.

It is the policy of The State Credit Union to NEVER solicit customer information or identification, numbers or passwords via e-mail.  If you are approached with such an offer, do not reply to the e-mail and instead contact The State Credit Union immediately.

*Text Messaging is a free service offered by The State Credit Union; rates and fees from your wireless carrier will not apply

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