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CFCU Credit Union

Routing #: 221381540

Routing #: 221381540

Security and Fraud

Keep Your Information Secure:

  • Do not click on or open suspicious links or attachments in email or texts.
  • Do not respond to unsolicited emails, texts, or phone calls.
  • If requested, never share your banking details or other personal information with unknown persons or by email, text, or phone. This includes your digital banking password, passcodes, and PINs.


CFCU will never:

  • Ask you for your digital banking password, card PIN, or 3-digit number (CVV) on the back of your card.
  • Unless you initiate contact or we are completing a request for you, CFCU will never ask you for your personal information. 

If you receive unusual requests, do not provide any information and please contact us directly.

Safeguard against fraud and scams

It is important to be on the lookout for fraudulent and scam activity to protect yourself from falling victim.

Tips to help you avoid fraud and scams:

  • Block unwanted calls and text messages.
  • Do NOT give your personal or financial information in response to a request you didn’t expect.
  • Resist the pressure to act immediately. Anyone who is pressuring you is likely a scammer.
  • Never pay someone with gift cards or using a money transfer service. Never deposit a check and send money back to someone. These are common ways that scammers tell you to pay.
  • Be wary of someone you met online that is asking you to send them money or is asking you to receive money for them. Scammers make up situations to deceive their victims. Don’t fall for it. If it doesn’t make sense, then it is most likely a scam.
  • Stop and talk to someone you trust. Talking about it could help you realize it’s a scam.


Please contact us or the resources listed below if you need assistance or are worried about a scam or fraud.

Identity theft - What to know and do

Online Shopping Scams

Below are reminders to stay safe while shopping online:

  • Beware of ads on websites and social media. Only shop from trusted retailer sites. Go directly to the retailer’s site instead of using links in the ad.
  • Are prices too good to be true? Then they probably are! If the prices is way below the typical price, it is probably fraudulent, and you will most likely not get what you intended.
  • Out of stock items. Be ware of online retails or ads claiming to have items that are out of stock everywhere else – this also may be too good to be true!
  • Look for secure checkout. Before entering payment information, look for the secure icon – usually found next to the site address at the top of the browser.

Mail and Check Fraud

Mail theft continues to be on the rise across the country and even locally. Thieves are stealing mail from mailboxes hoping to find checks that they then alter or ‘wash’ in order to change the payee and amount. These checks are then negotiated or cashed by the thief. The following are tips to lower your risk of mail theft and check fraud:

  • Take Care When Making Out Checks - When making out checks, write the amount so that the words fill the line and numbers fill the box and start on the far-right side of line and box, which can make it more difficult for someone to alter it. Also, consider using a black pen with gel ink which may be more difficult to remove or ‘wash’ than ballpoint pen ink.
  • Use Caution with Outgoing Mail - Place your outgoing mail in USPS collection boxes as close to the indicated pickup time as possible or bring it inside the post office for mailing.
  • Retrieve Mail Frequently - Try not to leave incoming or outgoing mail sitting in your mailbox for an extended time, particularly overnight.
  • Overdue Mail - Inquire about overdue mail as soon as possible with either the sender or recipient.
  • Use Electronic Payment Methods - Consider paying bills online where possible to reduce the number or frequency of your checks being in the mail.
  • Monitor Your Accounts - Review your accounts frequently and immediately notify CFCU of any unknown transactions or checks that clear for a different amount than written.
  • Report Mail Theft - If you suspect mail theft, report it to the United States Postal Inspection Service at 1-877-876-2455.