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EnFact Fraud Detection

What is EnFact?

At SCU Credit Union, our goal, quite simply, is to minimize your exposure to risk and the impact of any fraudulent activity on your credit union accounts. To protect your credit union account, SCU monitors debit card transactions for potentially fraudulent activity through a Fraud Detection Program called EnFact. Potentially fraudulent activity may include a sudden change in locale (such as when an issued card is used unexpectedly overseas or in a foreign country), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. If we suspect fraudulent debit card use, our monitoring agency will either send you a text* or call you to validate the legitimacy of your suspect transactions.

When we text you...

If our system detects suspicious activity on your card, you'll receive a text message with details about the suspected transaction. A text alert from EnFact warning you of suspicious activity on your card will NEVER include a link to be clicked. Cardholders should never click on a link in a text message that is supposedly from EnFact. A valid notification from EnFact will provide information about the suspect transaction and ask you to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop,’ and will never include a link.

A text alert from EnFact will always be from a 5-digit number and NOT a 10-digit number resembling a phone number.

We may be calling you...

If fraudulent debit card use is suspected on your credit union account and we can't reach you by text message, you will be called by a SCU Credit Union Fraud Detection Center agent to validate the legitimacy of your transactions. If no contact is made with the cardholder, a letter will be sent to the address on file. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your debit card.

  • Our automated call center will ask you to verify your identity and provide your 5-digit ZIP code. NO PERSONAL information will be asked.
  • You'll be able to respond via your touchtone keypad.
  • If you confirm that a transaction is fraudulent, you will be transferred to an agent who will ask questions to confirm your identity before going through your transactions.
  • You'll also be provided a toll-free number to call should you have additional questions.

To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone numbers (cell, home, and work) and address always.

Additional Ways to Protect Yourself

1. Unless absolutely required for a legitimate business purpose, avoid giving out your:

  • Address and Zip Code
  • Phone Number
  • Date of Birth
  • Social Security Number
  • ATM, Debit or Credit Card or Credit Union Account Number
  • ATM, Debit or Credit Card Expiration Date

2. In stores and at ATMs, always cover your bank card and PIN and watch for:

  • Cell phone cameras, mirrors or other tools used to view cards and PINs
  • People watching your transactions
  • Cashiers taking your card out of sight; instead take it to the register yourself
  • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM
  • Any device or coverings on the card slots of ATMs; if you see this do not insert your card and instead go to another ATM

3. Online, you should never respond to unsolicited e-mails that:

  • Ask you to verify your credit or debit card or credit union account number; such e-mails are not sent by legitimate businesses
  • Links to websites; such sites can look legitimate but may collect data or put spyware on your computer.