About SCU Credit Union
We’ve made it easy to join SCU Credit Union. You can complete our secure online membership application here. Select New Member Account.
To apply for SCU Credit Union membership, you will need the following forms of identification:
Valid U.S. government issued ID (e.g. Driver’s License, Passport, or State ID) along with your Social Security Number (SSN) or Individual Tax Identification Number (ITIN)
If applicable, documentation verifying your home address, such as a utility bill or lease agreement (Not required for minors 17 and under).
781-784-6379
SCU Credit Union has branches located in Sharon, East Walpole, Mansfield, North Attleboro, Brockton, Taunton, and Foxboro with our Corporate Offices located at 1300 Belmont Street, Brockton, MA 02301.
The locations and hours can be found here.
Membership in SCU Credit Union is open to people residing or employed in the counties of Norfolk, Suffolk, Middlesex, Plymouth, Barnstable or Bristol of the Commonwealth of Massachusetts and Providence, Bristol and Newport counties of the State of Rhode Island. Additionally, family members of eligible persons may apply for membership regardless of location. A family member shall include a spouse, son, daughter, mother, father, sister, brother, aunt, uncle, cousin, grandparent, or grandchild.
Account Questions
Members may change their address by updating this information within Online Banking or by visiting one of our branch locations. Alternatively, a member may put this request in writing or send us an email from their email address currently on file, requesting that this information be updated so long as the request is signed by the member.
If your employer offers direct deposit, give the payroll department our credit union’s routing number, 211385556 and your MICR account number.
Your member number can be found on your monthly account statement, within online banking, or provided to you in person at any SCU Credit Union branch location. Your member number cannot be disclosed over the phone or through email for security purposes.
ATM Questions
Deposits are held for one business day. If you make a deposit at an ATM before 3:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. Therefore, your funds will be available the next business day. However, if you make a deposit at an ATM after 3:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open, and then your funds will be available the following business day.
The fee for a replacement card, if lost or stolen, is $15.00.
Certificates of Deposit Questions
Interest rates on Certificates of Deposit vary and are based on the term of the certificate and on the opening balance of the certificate. Our current rates are listed here.
A Certificate of Deposit (CD) is a savings certificate entitling the bearer to receive interest. A CD bears a maturity date, a specified fixed interest rate and can be issued with minimum balance of $500. When you open a CD, your money is on deposit for a specific time period. For agreeing to keep it on deposit for a specified time period, you earn more than you would in a regular savings account. If you cash it in before its maturity date, you pay a penalty.
Checking Questions
SCU Credit Union offers three forms of overdraft protection with Overdraft Protection (Line of Credit), Overdraft Transfer and Overdraft Privilege Service (OPS).
Overdraft Protection (Line of Credit) is a line of credit loan that is advanced any time your account would otherwise be overdrawn. Interest accrues on the outstanding balance. Approval is subject to your credit worthiness.
Overdraft Transfer is a link between your savings account and checking account. Anytime your checking account would be overdrawn, we will transfer available funds from your savings to your checking to cover the overdraft. Two transfers per month are permitted free of charge. For additional transfers in a given month, a service charge applies. Refer to our Schedule of Charges: https://www.scucu.com/personal/rates/schedule-of-fees
Overdraft Privilege Service (OPS) is a discretionary program under which SCU Credit Union will consider paying items drawn on your checking account for which the account has insufficient or unavailable funds, instead of automatically returning those items unpaid.
Read the full OPS Terms and Conditions here.
Our schedule of fees can be found here.
If your checks are lost or stolen call Member Service at 877-661-3300.
Debit Card Questions
Yes. You can use your debit card outside of the United States, but we ask that you contact SCU Credit Union prior to traveling so that we may inform you of any debit card restrictions in your area of travel at the time of your visit.
Every time you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
There is no charge for making a purchase with your Debit Mastercard®.
There is a $15.00 charge for a replacement card.
There is a daily ATM withdrawal limit of $1,000 and a limit of $2,500 for purchases (POS – Point of Sale), assuming the funds are available.
The terms “debit card” and “check card” mean the same thing. A debit card withdraws money from your checking account as a check does; therefore, it debits your account. It can also withdraw money from your savings account, if you have it set up that way when you ask for a card. It can be used to make purchases at any retail establishment that displays the Mastercard® logo.
To report your Debit Mastercard® or ATM Card lost or stolen, please call 781-784-7725 or 1-877-661-3300 during business hours. After business hours please call 1-833-462-0798.
To report your SCU Credit Union VISA® Credit Card lost or stolen call 1-877-875-8078.
Financial Literacy Questions
To establish good credit, you need a steady work record and continued residence at the same address. If you do not have a checking account, open one and be careful not to bounce checks.
As a member of SCU Credit Union you have free access to GreenPath’s financial experts to guide you through life’s financial challenges. GreenPath is a non-profit company that equips people with knowledge and tools to lead financially healthy lives. They will take a look at your financial picture to understand your financial situation and goals, and they will develop a personalized budget for you.
Cosigners lend their names and good credit histories to the maker. Should the maker die, lose a job, or otherwise fail to make payments, all responsibility for meeting the terms of the loan transfers to the cosigner. An often-overlooked aspect of cosigning a loan is the fact that the loan appears on both the maker's and cosigner's credit reports.
It might be tempting to view your 401(k) as a source of emergency funds, but before you dip into your retirement account for cash, explore alternatives. Our partner, Greenpath Financial Wellness, would be a great place to start if you are facing financial challenges and are in need of guidance from financial experts.
General Product and Service Questions
Yes. No matter where you are, you may bank on the go with SCU Mobile Banking. Our mobile banking solutions include our Mobile Apps for Apple and Android products, as well as mobile text banking, mobile web banking and mobile check deposit. With the SCU Mobile App you can view account balances, pay bills, transfer funds, deposit checks and locate an ATM or branch.
Learn more about Online and Mobile Banking here.
Yes*. With our free Bill Payer service you can pay an unlimited number of bills each month for free quickly and easily through the Online Banking platform. Electronic payments reach payees in 3 business days.
See our Schedule of Fees for information on expedited payments, stop payments, and copies of checks.
*There is a $5.00 monthly fee for MyBasic Business Checking.
Checks can be reordered through Online Banking, by phone at 877-661-3300, or by visiting one of our branch locations.
They can also be reordered online here.
Online Banking, Mobile Banking, eStatements, eNotices, Bill Payer, and Mobile Check Deposit.
Read about all of our saving accounts here.
The full balance of your holiday club funds will be transferred to your share account at the beginning of November, just in time for the expenses of the holiday season.
Online and Mobile Banking Questions
You can view, download and print your 1099-INT and 1098 tax forms directly from your online banking account. Log into your account and select "Statements and Notices" under the "Account Manager" tab.
If you receive an error message, close the View eDocument pop-up. Then, right-click on the statement you want to view and select "Open in a new tab".
You can view the desktop and mobile browser requirements for Online Banking here. It also provides information on how to update your browser if needed.
You can log in to Online Banking from our website, scucu.com or the SCU mobile app. You will need your user ID and password to log in.
Call us at 781-784-7725 or toll free at 877-661-3300, email us at scu@scucu.com, or visit one of our branch locations for assistance.
Two-Factor Authentication is a security feature for Online Banking that requires users to enter their username and password as well as a one-time use security code. This code will be sent via email, SMS (text) message or a phone call to an email address or phone number that is already on file. This security feature will be triggered every time you log in unless you select "Rember This Device" when logging in. Starting with the next time you log in on that specific device, you will not be required to complete two-factor authentication.
To enable two-factor authentication even on devices you've prompted the system to remember, you can turn Require Two-Factor Authentication For Each Login on in the Security tab of your Settings within Online Banking. Please note that you cannot adjust this setting within our mobile app.
You can sign up for eStatements by logging in to online banking and clicking on Statements & Notices. Please follow the prompts.
To see your eStatements in Online Banking, select Statements & Notices, click on the statement you want to view, and then click Open. If you receive an error message, close the View eDocument pop-up. Then right click on the statement you want to view and select Open in a new tab.
To see your eStatements in mobile banking, select More and then Statements & Notices. Click Statements and then the Statement you want to open.
In Online Banking:
To search for a transaction, navigate to the specific account you want to review from either the Dashboard or Accounts page. Enter the word or amount you are looking for in the search bar. Please note that if you are searching for an amount of $1,000 or greater, you need to include the comma. For example, search for 1,000 and not 1000.
To filter the list of transactions for an account, click on the Filter icon that is next to the search bar. Select which filters you want to apply and then click Search.
In Mobile Banking:
To search for a transaction, select the specific account you want to review. Enter the word or amount you are looking for in the search bar and click Search.
To filter the list of transactions for an account, click on the Filter icon that is next to the search bar. Select which type of transaction you would like to see. Additional filter options are available in Online Banking.
To link an external account in Online Banking, click More and select Settings. Go to the Accounts tab and click Link an External Account. Select either "Link accounts from another financial institution" to be able to view the balances and transactions of your accounts at other financial institutions or "External transfer account." to just make transfers to and from this account.
For "Link accounts from another financial institution", enter the bank name, routing number and account number of the external account. Two small deposits will be sent to that external account within three days. Review the transactions of the external account to see the amount of each deposit and the order in which they were deposited. Log back into your SCU Credit Union online banking and go to Settings. Click on the accounts tab. At the bottom of the screen, click the Confirm button and enter the two small deposit amounts in the order in which they were made. Once this is complete, your external account will be linked.
To edit which accounts appear on your Dashboard, click the gear symbol above your current list of accounts on your Dashboard. This will bring up your Dashboard Settings menu where you can select which account(s) you would like to see when you log in to Online Banking.
Click here for a more detailed guide.
In Online Banking:
To add a new payee in Online Banking, click the Add Payee button on the main Bill Pay page. Answer the questions, click the Add payee button and you are ready to make a payment.
To make a payment to one payee, click on the payee's name on the main Bill Pay page. From here, you will enter the details of the payment, including the frequency of the payment. If you wish to make this a reoccuring payment, select the appropriate time frame from the Frequency drop down menu. Finally, click Submit Payment.
To make a one- time payment to more than one payee, select the MultiPay tab from the main Bill Pay page. Select the payees from the list on the left and once they appear on the right, enter the payment amount, the account to pay the bill from, and the date to send the payment.
In the mobile app:
To add a new payee in the mobile app, select Manage Payees on the main Bill Pay page and click Add. Answer the questions, click the Add payee button and you are ready to make a payment.
To make a payment, select Make a Payment on the main Bill Pay page. From here, you will enter the details of the payment, including the frequency of the payment. If you wish to make this a reoccuring payment, select the appropriate time frame from the Frequency drop down menu. Click Confirm Payment to submit the payment.
Remote Deposit Capture is a fast, secure and best of all, free*, way to deposit checks 24/7 wherever you are.
For a detailed guide, click here.
In the SCU Mobile App:
- Click Remote Deposit at the bottom of the screen.
- Select which account you want to deposit the check into.
- Type in the exact amount of the check.
- Endorse the check and write "For mobile deposit" below your signature (or, if available, check off For Mobile Deposit).
- Click Check Front. If you see "Prepare the front of the check", select continue in the bottom right of the screen. Align the check within the box and tap the screen to take the picture. If the picture is clear, click Done. If you need to retake the picture click the trash can icon.
- Click Check Back and repeat the same process to take a picture of the back of the check.
- Click Deposit Check.
Please review the Remote Check Deposit General Eligibility and Requirements here.
Checks not drawn on U.S. banks and/or not U.S. funds cannot be deposited through Remote Deposit Capture. In this case, please visit one of our branch locations.
*There is a $5.00 monthly fee for MyBasic Business Checking.
Loan and Credit Questions
An unsecured personal loan is a loan without material collateral such as a car or home. The maximum amount you can borrow is $10,000 and the minimum is $500. You can use this loan for just about any purpose. Click here to apply online for an unsecured personal loan.
The easiest way to pay your loan at SCU Credit Union is through Online Banking or through the Loan Payment Center. You can also pay your loan in person at one of our branch locations, by calling us at 781-784-7725 or toll-free at 877-661-3300, or by mailing to:
SCU Credit Union PO Box 4290 Brockton, MA 02303-4290No. The credit bureau does not allow us to give out copies of the report. You can request a free copy of your credit report by visiting AnnualCreditReport.com.
You do not have to be a member at the time of application, but you will have to become a member to sign for the loan you applied for, if approved.
Yes. SCU Credit Union offers Fixed Rate and Adjustable Rate First Mortgages for Purchases and Refinances. Learn about our mortgage products here.
SCU Credit Union offers Commercial Real Estate Loans, Secured Commercial Term Loans, Secured Lines of Credit and Consumer Vehicle for Business Use Loans. For more information, please visit our Commercial Lending page.
No. At this time SCU Credit Union does not offer private student loans. We may be able to assist you with other lending options. For more information, please speak with one of our experienced loan offers by calling 877-661-3300 during our regular business hours.
You can apply for a loan at any time here. You can also apply by visiting any one of our branch locations or by calling 781-784-7725.
The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. You can request a free copy of your credit report by visiting annualcreditreport.com. According to the Federal Trade Commission, the only authorized online source is at annualcreditreport.com. Consumers should be aware that there are many sites out there that claim to offer “free” credit reports but often charge you for another product if you accept the report.
To request your credit report by phone, call (877) 322–8228. To request your credit report by mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the individual credit-reporting agencies.
The federal government requires that each of the three national credit-reporting agencies, Experian, Equifax, and TransUnion, give you a free credit report every year. Therefore, you should consider staggering the receipt of each of your credit reports. That way, you'll get a continuous picture of how your credit picture looks, because the three bureaus feed each other the latest information. You’ll also be able to clean up errors as you find them (because errors can drag down a credit score) and you’ll also keep an eye on identity theft.
We’re always looking for ways to help our members save more money, so if you have some high-interest credit cards, we can help!
We made it easy for you to reduce your credit card debt by transferring your high-interest balances to your SCU Credit Union VISA® Credit Card.
Transfer Funds from Credit Card to Checking
- Log in to Online Banking
- Select Account Manager - Credit Card
- Balance Transfer
- Complete Payee Information form - To request a balance transfer, you will need the account number and payment address. This can be found on the statement or payment coupon provided by your creditor.
- Verify
- Review
Visit any SCU Credit Union branch if you would prefer to transfer a credit card balance in person.
Fixed Rate Mortgages allow you to lock in a rate and payment for the term of your mortgage. If you plan to stay in your home for 10 years or more and/or prefer to have fixed, consistent payments then a Fixed Rate Mortgage may be beneficial to you.
Adjustable Rate Mortgages offer a lower initial rate subject to adjustment after the fixed term. This type of mortgage would be beneficial to you if you only plan to stay in your home for a few years. This would also be a better option for you if you prefer to get a low monthly rate at the beginning of your loan.
You will meet with a Closing Attorney assigned by SCU Credit Union. If a purchase, the seller, and his/her attorney may also be present. You may have also hired your own attorney to represent and guide you with the purchase process. The Seller will sign certain documents transferring property ownership. For a purchase and refinance, you will sign all legal documents relating to the loan transaction. The Closing Attorney will also make sure all fees and escrows are paid to the appropriate parties. You may be required to bring certified bank funds to the closing for closing costs or in certain refinance transactions, receive funds post-closing after the required waiting period. Copies of all documents signed by you will be provided by the Closing Attorney.
PMI is Private Mortgage Insurance. If your down payment is less than 20%, private mortgage insurance, or PMI is required. The policy protects the lender from losing money if you end up in foreclosure. PMI also is required if you refinance the mortgage with less than 20% equity.
We offer a variety of loans at SCU Credit Union including, Mortgages, Home Equity, Vehicle Loans, Refinance Auto Loans, Mass Save HEAT Loan, and Credit Cards. Learn about all of the loans we offer here.
Loan Payment Center
Yes, all users may make one-time future dated payments and enrolled users can schedule recurring payments.
E-mails are sent to users to remind them of upcoming scheduled payments, notifications if a payment failed or returned, confirmation of payments made, etc.
To display the loans that you are the primary account holder on, select the arrow next to the Loan ID.
Yes, members can view their loan due date, payment due, loan balance and past due amounts within the Loan Payment Center. Only the history of payments made within the Loan Payment Center will be available.
Yes, users may make a one-time payment or schedule a one-time payment for the future.
Yes, users may establish a unique profile and login for the Loan Payment Center. Users may then make a one-time, future or may schedule a recurring payment.
Yes, you will need your member number to make a guest payment. This number can be found on your monthly account statement, within online banking, or provided to you in person at any SCU Credit Union branch location. Your member number cannot be disclosed over the phone or through email for security purposes.
No, users can create a profile for their convenience or choose to pay as a guest.
If your payment is in the processing status, you can cancel your payment by viewing the Payment Center history and clicking on the X.
Select “Enroll Today” to register as a user within the Loan Payment Center. As a registered user your Bank or Debit Card information will be saved for the next time you login.
The members are authenticated by entering two pieces of information: their SCU Credit Union member number and last six digits of their social security (tax ID) number.
If you did not receive your email, please check your spam folder, and make sure that SCUCreditUnion@creditpaypro.com is added to your address book. If you still haven’t received your activation email within 15 minutes, please call the Contact Center at 1-877-661-3300 to verify your account settings.
Business Hours: Monday - Wednesday: 8:30am - 4:30pm, Thursday - Friday: 8:30am - 6:00pm, and Saturday: 8:30am - 1:00pm.
Payments made using a checking or savings account are free. Payment using a Debit Card will incur a $15.00 convenience fee.
The Payment Center site has a responsive design to adapt to mobile.
Make your payment for FREE using the Routing and Account Numbers from another financial institution. Guest Payments may be made using a checking or savings account from another institution or a debit card. Recurring payments may be made using a checking or savings account from another institution. Recurring payments may not be made using a Debit Card. Payments made using a Debit Card will incur a $15.00 convenience fee.
On the SCU Credit Union Loan Payment Center select the Forgot Your Username or Password Help. An email will be sent from SCUCreditUnion@creditpaypro.com to set a new password.
On the SCU Credit Union Loan Payment Center select the Forgot Your Username. After entering your member number and email address that you used when you enrolled, an email will be sent from SCUCreditUnion@creditpaypro.com with your username.
SCU Credit Union’s Loan Payment Center provides members with the ability to view their loan information and make payments via the Credit Union’s website. The solution supports one-time and recurring payments.
The limit is $10,000.00 per payment transaction made using a checking or savings account.
The limit is $1,000.00 per payment transaction made using a Debit Card.
Payments made before 1:00 PM on a business day will be posted on the same business day. Payments made after 1:00 PM on a business day will be posted the next business day. Payments made on weekends and federal holidays will be posted the next business day.
Miscellaneous Questions
The U.S. Treasury announced: As of January 1, 2012, paper bonds will no longer be sold at financial institutions. This supports the Treasury’s goal to increase the number of electronic transactions with citizens and businesses.
To find out more about U.S. Savings Bonds check out their website for the latest information, rates, bond value charts, and complete details on how to save for college with U.S. Savings Bonds.
SCU Credit Union does not cash savings bonds.
No, we do not exchange foreign currency.
SCU Credit Union offers safe deposit boxes and safety storage lockers in our Sharon, Brockton, Walpole, North Attleboro and Myles Standish in Taunton branches for the storage of our members’ valuables. Call 1-781-784-7725 for sizes and availability.
Yes. We offer a selection of Business Checking and Business Savings products. Learn about our business accounts here.
Yes. Notary Public is another service that SCU Credit Union offers FREE to our members. Certified staff can witness the signing of important documents. Ask any member service representative.
Yes. The Credit Union offers official checks and moneys orders. One of either Free per day, then $3.00 for each after.
Any current openings at SCU Credit Union can be found here.
SCU Credit Union does not offer travelers checks.
Yes. When wiring funds to your account at SCU Credit Union provide sending institution information as follows:
Receiver: EasCorp, Burlington MA ABA# 211391773
Beneficiary: SCU Credit Union ABA # 211385556
Provide sending institution your SCU Credit Union Member Name and Account
Please see our Schedule of Fees for wire-related fees.
Members may change their address by updating this information within Online Banking or by visiting one of our branch locations. Alternatively, a member may put this request in writing or send us an email from their email address currently on file with us, requesting that this information be updated so long as the request is signed by the member.
Credit unions are non-profit and exist to help people, not to make a profit. As such, all earnings are returned to their members in the form of high-interest savings and low rate loans. A volunteer board of directors, elected by the members, governs a credit union. With their vote, each member has a direct impact on the direction of the credit union. Also, "people helping people" is the credit union philosophy. A credit union's goal is to serve all of their members equally and provide charitable contributions to their community. Credit unions are owned by their members. Each member gets one vote and an equal say in how the credit union is run.
You can stop payment on a check by calling us at 877-661-3300 or by visiting us at one of our branch locations. You will need the check number, the date the check was written, the amount of the check, and the name of the payee. There is a $30.00 fee for stop payment on a check. The stop payment may be placed as long as the check has not cleared the account.
A member under the age of 18 is not eligible to sign for a loan and would also not be eligible for Overdraft Privilege Service. However, a member under the age of 18 can use Overdraft Transfer and can have a Debit Mastercard as long as the parent is joint on the account. A member under the age of 18 is not eligible to open their own credit card, however, they may be an authorized signer on a parent/guardian's credit card.
Your money is insured by the National Credit Union Administration (NCUA), an independent agency of the United States Government. Your savings is federally insured up to $250,000 and backed by the full faith and credit of the United States Government.
https://www.mycreditunion.gov/Documents/insured-funds-brochure.pdf
The shares and deposits of the credit union in excess of NCUA limits are fully insured by the Massachusetts Credit Union Share Insurance Corporation (MSIC). Your money is 100% insured regardless of the amount at SCU Credit Union. MSIC provides Excess Share and Deposit Insurance to all members of SCU Credit Union automatically. The coverage is a benefit of membership and comes at no direct cost to you. MSIC insures the portion of any legal, verifiable share or deposit account that exceeds NCUSIF coverage with no limit.
Roth IRA Questions
Yes, you can maintain both types of IRAs at the same time. You can even make contributions to both types of IRAs in the same year. But your contributions to both Roth and traditional IRAs cannot exceed the maximum contribution limit for all IRAs.
There are limits on the amount of income one can make during a given year—and the limits change from year to year. Please visit the IRS website for details.
Yes, you can rollover your 401(k) plan into a Traditional IRA. Contact Member Service for assistance in processing a Direct Rollover. A statement of your 401(k) plan should be provided.
A Roth IRA is an individual retirement account created by the Taxpayer Relief Act of 1997. Roth IRA accounts are traditionally used as retirement savings accounts. They allow limited contributions to be made throughout the tax year and can be withdrawn within 5 years after establishing the account provided you are aged 59 1/2 or older.
Those who work for a living can contribute to a Roth IRA account. The income must be derived from actual work efforts and compensation in the form of wages, tips, salaries, bonuses and professional fees.
Yes, you will earn interest on the funds that are on deposit at the credit union in your Roth IRA. Click here to view Roth IRA rates.
No. The amount you contribute to your 401(k) or other employer-sponsored plans will not be affected by your Roth IRA.
Security Questions
Vishing is the telephone equivalent of phishing. Vishing is the act of using the telephone in an attempt to scam the user into surrendering private information that will be used for identity theft. The scammer usually pretends to be a legitimate business, and fools the victim into thinking he or she will profit. “Phishing” is a popular form of fraud that uses deception to get personal information from targeted individuals. Information that is “phished” includes:
- Credit or debit card information, including account numbers and expiration dates
- Social Security numbers
- Deposit account numbers
- User names and passwords
Phishing scams can be difficult to detect because the fraudsters present themselves as agents of a financial institution. Please keep in mind that neither SCU Credit Union, nor any other legitimate financial institution, will ever ask you to divulge this information over the phone or through an email.
Here are some tips to avoid phishing scams:
- Do not reply to emails or internet pop-up messages that ask for personal or financial information
- Do not click any links contained within an email that you believe to be suspicious
- If you receive a suspicious email or phone call, check the validity of the message by contacting the business using a phone number you know is real
- Do not send personal or financial information in an email or email attachment
Be wary of any email or phone call that:
- Tells you there is a problem with your account
- Asks you to provide sensitive information
- Does not include a phone number that you recognize to be genuine
Smishing is like phishing except the request for information comes as a text (SMS+phishing=smishing). Beware of phony account alerts on your cell phone. One example might be: “Your bank account has been accessed. Click here to validate transaction.” Clicking the link sends personal information to the malefactor. If a phone number is provided for you to call, don’t assume you are calling your bank. Verify the number before calling.
Protect yourself:
- Don’t reply, respond, or click on links in suspect text messages
- Call a verified phone number related to your account
- Delete suspicious text messages
- Never share your cell phone number on social media
If you think you have been a victim of identity theft, contact SCU Credit Union immediately at 781-784-7725 to alert us to a potential fraud. If you have released your information to a suspicious source, you should also contact the three major credit bureaus to request a fraud alert be placed on your credit report.
Equifax: 1-800-685-1111 Experian: 1-888-397-3742 TransUnion: 1-800-888-4213
To place a fraud alert with the Federal Trade Commission (FTC), please call their toll free number: 1-877-ID-THEFT (1-877-438-4338).
For helpful resources regarding various identity theft topics visit the FTC’s Identity Theft page.
If you have any questions about phishing or any other financial security topics, feel free to call SCU Credit Union Member Service at 781-784-7725.
If your wallet has been lost or stolen, take the following actions:
- Call the three major credit reporting agencies (Equifax: 1-800-685-1111, Experian: 1-888-397-3742 and Trans Union: 1-800-888-4213) and ask them to immediately place a Fraud Alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.
- Notify the SSN national fraud hotline at 1-800-269-0271.
- To report your Debit Mastercard® or ATM Card lost or stolen, please call us at 781-784-7725 or (toll free) 1-877-661-3300 during business hours. After business hours please call 1-800-264-5578.
- To report your SCU Credit Union VISA® Credit Card lost or stolen call 1-877-875-8078.
- File a police report the same day, if at all possible, in the jurisdiction where your wallet was stolen.