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Fraud Protection

Fraud Alert Service

At Metro Credit Union, we take fraud prevention and account security seriously. If a card transaction is flagged as suspicious, you will immediately receive a text message asking if you made the purchase in question. All you need to do is reply Yes or No; it's that simple. We will never call you and ask for your sensitive information, or have you click a link on a text message.

If you believe you’ve been a victim of fraud or have unrecognized transactions on your Metro Credit Union account, please call us at 402-551-3052, or reach us through Message Center in online banking.

Fraud & Scam Education and Prevention

We believe the more informed you are, the easier you will recognize scams and know how to stop fraudsters in their tracks. Check this page regularly for current scams facing consumers, and insights on how to protect your identity, personal information, your loved ones, and your money.

Current Scams

Phishing scams

Phishing scams are deceptive attempts to obtain sensitive information, such as usernames, passwords, and bank details, by masquerading as a trustworthy entity in electronic communications. These scams are conducted through emails, text messages (smishing), or phone calls (vishing). Often, the messages appear to be from reputable organizations like Metro Credit Union. The fraudulent messages urge recipients to click on malicious links or provide personal or login information. They exploit emotions like fear or urgency, claiming there are issues with the recipient's account, fraudulent purchases, or offering fake rewards.

To avoid falling victim to these scams, it is crucial to verify the legitimacy of communications by contacting Metro directly—never use the number provided in the alert—and never share personal information in response to unsolicited requests. Recently, members have reported receiving messages from "Metro FCU" regarding a charge from a gaming merchandise retailer, instructing them to call a bogus number for more information on the transaction. When members call this number, they reach an automated system that later calls them back, asking for personal information to gain access to their accounts.

Card skimming scams

Card skimming is a scam where fraudsters use hidden devices to steal credit or debit card information. These devices are often placed on ATMs, gas pumps, or point-of-sale terminals. The skimmer captures the card's magnetic stripe data, including the card number and expiration date, when a card is inserted or swiped. They use the stolen information to create counterfeit cards or make unauthorized transactions, leading to financial losses for cardholders.

To protect against card skimming, check for suspicious devices on card readers and cover the keypad when entering your PIN. If you notice any suspicious activity or believe your card information has been compromised, contact Metro Credit Union at 402-551-3052.

Check Washing Scam

Criminals stealing checks from mailboxes is on the rise. These stolen checks are “washed” with chemicals to erase the name and dollar amount, effectively creating a signed blank check.  The criminals then write their own name in the payee line and may alter the check amount before attempting to cash it.

You can protect yourself from this by not leaving mail in your own mailbox overnight, putting your outgoing mail in blue USPS collection boxes, or setting up BillPay or ACH payment options instead of using checks altogether.

Cryptocurrency Investment Scams

Sometimes paired with romance scams, these scammers convince their targets to download an app to invest in bogus crypto accounts. They may even claim to be investing some of their own money into the fund. While the apps may show your wealth growing, these criminals are just stealing your money.

Protect yourself by scrutinizing any investment opportunity. Search for reviews of any apps or services you’re being told to use.

Payday Loan Scams

Criminals offering fake payday loans that require an up-front fee to be paid by the applicant. Once the fee is paid, the victim is left with their money taken, and no loan.

The scammers often request that the fee be paid with a gift card or some other non-traceable form of payment, which is the big red flag to watch out for. It’s also worth your time to investigate any lender before providing any information to them.


Blog Posts

Take a deeper dive into the most common and persistent scams facing consumers in recent years by reading the selected Metro blog posts below.

  • I've done business with Metro for 7 years. Every branch is friendly and willing to do business to suit my needs. Referred to many friends.
    Brian G.
  • I love banking with Metro! I’ve never had an issue, whenever I have questions I write to them on the mobile app & they always answer quickly :)
    K.W.
  • It’s always a great experience at Metro Credit Union!
    Randy J.
  • Tellers are very friendly and able to answer questions and assist in timely manner. Also they have really good coffee for customers.
    Wendylyn M.
  • I visited the Emmet street location today and was met with nothing short of outstanding service from the folks working there. Special thanks to Justin, went above and beyond today. Kudos to you all!!
    Mohammed H.

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