Fraud Prevention & Account Security
Protecting Your Accounts Starts With Awareness
Fraud and scams continue to evolve, but knowing what to watch for — and acting quickly when something feels suspicious — can help protect your accounts and personal information.
If you suspect fraud on your account, contact A&S Federal Credit Union immediately.
Quick Action: What To Do If You Suspect Fraud
Step 1: Review Your Transactions
Carefully review recent account and card activity for unauthorized charges, withdrawals, transfers, or suspicious purchases.
Step 2: Temporarily Freeze Your Card
Debit Cards
Use the “Manage My Cards” feature under the MORE tab in online banking or the mobile app.
Credit Cards
Use the LOCK/UNLOCK feature on the main screen in online banking or the mobile app.
Card freezes take effect immediately.
Step 3: Contact Card Issuer
To report suspicious activity or a lost/stolen card, please contact:
VISA: 1-855-778-3994
MasterCard: 1-833-337-6075
These numbers are also available for after-hours card support.
Step 4: Contact the Credit Union
Phone: 724-375-0248
Email: Click to Send an Email to A&S FCU Office Staff
Address: 2090 Brodhead Road, Aliquippa, PA 15001
For secure messaging, log in to online banking and click CONTACT US under the MEMBER SERVICES tab.
Security Features Available to Members
Account & Card Controls
A&S FCU offers several tools to help members monitor and protect their accounts.
Available Features:
- Debit card on/off controls
- Credit card lock/unlock controls
- Debit card transaction alerts
- ACH transaction notifications
- Mobile app e-alert subscriptions
- Two-factor authentication
- Credit card travel notifications
Fraud Monitoring
Suspicious debit and credit card transactions may trigger alerts by:
- Text message
- Phone call
If you receive a fraud alert, respond promptly and review your account activity immediately.
Card Replacement Information
Debit Cards
Replacement debit cards may be issued same-day at the office or mailed to the cardholder.
Credit Cards
Replacement credit cards are mailed to the cardholder. Expedited shipping may be available for an additional fee.
Common Scams to Watch For
Fake Websites & Online Ads
Fraudulent websites and fake social media advertisements may attempt to collect payment information or personal data.
Before Making an Online Purchase:
- Verify the website is legitimate
- Look for secure website connections (https)
- Research unfamiliar sellers
- Be cautious of prices that seem too good to be true
Important Tip: When shopping online, consider using a credit card or prepaid card instead of a debit card whenever possible.
Toll Bill Text Scams
Scammers may send fake text messages claiming you owe unpaid tolls or traffic fees.
Do not click suspicious links or provide payment information through unexpected text messages.
Gift Card Scams
Scammers often request payment through gift cards because the funds are difficult to recover.
A legitimate business or government agency will never demand payment by gift card.
Romance Scams
Fraudsters may build online relationships over time before requesting money, gift cards, or financial assistance.
Be cautious when sending money to individuals you have only met online.
Additional Ways to Protect Yourself
Best Practices
- Monitor account activity regularly
- Enable account alerts and notifications
- Use strong, unique passwords
- Keep devices and apps updated
- Avoid public Wi-Fi for sensitive transactions
- Never share verification codes or online banking credentials
Additional Resources & Information
Credit Freeze Resources
If your personal information may have been compromised, you may consider placing a credit freeze with the major credit bureaus.
Helpful Consumer Resources
Important Information About Fraud Disputes
A credit union representative will work with members as quickly as possible to review suspected fraud and discuss next steps.
Fraud disputes and investigations vary depending on the transaction type and circumstances involved. Additional documentation or dispute forms may be required and can be provided electronically for e-signature when applicable.
Fraud prevention is a shared effort. Staying informed, monitoring your accounts, and acting quickly when something feels suspicious can help reduce risk and protect your financial wellbeing.