Stop Fraud

Wright-Patt Credit Union® (WPCU®), like many financial institutions, is seeing an increase in spoofing scams - fraudulent attempts aimed at gaining unauthorized access to member accounts and member business accounts.

Scammers are using fake phone calls, text messages, and emails that appear to come from Wright-Patt Credit Union. These spoofed communications may look and sound convincing — but they’re designed to trick you into sharing sensitive information.

What Is Spoofing?

Spoofing is when scammers disguise their communication to look like it’s coming from a trusted source — in this case, Wright-Patt Credit Union. These messages may seem urgent, credible, and convincing, but they are designed to steal your personal and financial information.

Stay in-the-know on the latest scams our WPCU members are seeing by clicking here.

WPCU helps you keep your accounts safe and secure.

WPCU will never do the following:

• Directly link to Online or Mobile Banking or provide links to websites to authenticate your information.
• Contact you via email, phone, or text asking you to provide personal information or update/validate your credentials.
• Ask you to enter your personal account information directly in an email, chat box, or pop-up message.
• Ask you to respond to an email, chat box, or pop-up message with your personal account information.
• Threaten to close or suspend your account if you do not provide your personal account information.
• Request your personal account information because your account has been compromised.
• WPCU is here to help you keep your accounts and financial information safe and secure. If you have questions or concerns about your account, please contact us.

Keeping Your Personal Information Secure

Wright-Patt Credit Union uses several effective measures to keep your personal information secure.

• When logging in to your Mobile or Online Banking account your answers to a series of personal questions identifies you as an authorized user when logging in to your home banking account.
• If suspicious activity is identified on your account, you are contacted about the authenticity of the transaction in question.
• WPCU members have access to identity theft assistance through Identity Fraud, Inc., as well as discounted identity protection plans.
• Verified by Visa® works behind the scenes when you’re shopping online and uses advanced fraud-detection technology to confirm your identity. 

Verified by Visa® is a registered trademark of Visa International Service Association.

Debit Card Assurance

Relax, your WPCU debit card is protected!

• The embedded microchip in your card protects your in-store payments by generating a unique one-time code that's needed for each transaction to be approved. Always be sure to use your chip whenever possible, even if the merchant lets you swipe.
• To protect your account, we may require you to use your 4-digit PIN to complete your purchases in areas where we have identified fraudulent activity.
• We have implemented enhanced monitoring programs to specifically watch for suspected fraud on debit cards
• Your accounts are being monitored 24 hours a day, 7 days a week for suspicious activity
• If there is any doubt about a transaction, you may be asked to contact WPCU to confirm your identity and your purchase.

Positive Pay

Positive Pay is an online tool for our member business clients that reduces the risk of check fraud. Positive Pay matches the account number, check number and dollar amount of each check presented for payment against a list of checks provided. In order for the check to pay, all three components of the check must match exactly.

If you’ve accidentally given out your personal information, or if you think you’re the victim of financial fraud or identity theft, take the following steps:

1. Call WPCU’s Member Help Center immediately at (800) 762-0047. We can help you protect and secure your accounts.
2. File a police report with local law enforcement.
3. File a consumer complaint with the Federal Trade Commission (FTC) online at FTC.gov or by calling 1-877-FTC-HELP.
4. If you suspect you're a victim of mail theft, notify the US Postal Inspection Service by calling 1-877-876-2455 or visit USPIS.gov to submit a mail fraud complaint form.

5. Continue to monitor your account closely for 12-24 months for unusual activity.
6. If you continue to suspect ID theft, report it to WPCU's Member Help Center immediately.

WPCU is ready to help you take action after fraud or identity theft! Please contact us with any questions or concerns.