FORUM Credit Union's website works best with JavaScript enabled

Account Safety Tips

It is important to always be aware of your account activities. Below are tips on how to keep your information safe everyday.

Keeping Your Information Safe

  • Report a lost or stolen card immediately.
  • Use a card with EMV, also known as a chip card. A chip-enhanced card contains an embedded microchip that holds encrypted information, making it extremely difficult for the card to be copied or counterfeited. 
  • Safely make mobile payments with your FORUM card via Apple Pay™, Android Pay™, and Samsung Pay™. Your card details are more secure than traditional payment methods because the full card account number is not stored or passed to merchants. A “token” is used in place of the full card account number.
  • Continuously monitor your statements and keep your receipts. FORUM's mobile app is available for CU Online users with Apple iOS and Android Applications.
  • Sign up for account alerts. FORUM members receive the added perk of free MasterCard® Identity Theft Alerts. ID Theft Alerts scours the Internet and alerts you if it detects that your personal information – credit or debit card, Social Security Number, driver’s license or other sensitive data – is being bought or sold online.
  • Be very suspicious of receiving a phone call from a person or group claiming you have won a lottery or any type of monetary prize. Never agree to pay "taxes" up front on the money the caller is claiming you have won. 
  • If you suspect that you are a victim of credit card fraud, notify your financial institution right away. You should also contact one of the nationwide credit reporting agencies and put a fraud alert on your credit report (Equifax, Experian, TransUnion). 
  • Follow these steps from the IRS if you think you might be a victim of tax-related identity theft. 
Report your lost/stolen FORUM ATM/Debit Card

Report your lost/stolen FORUM Credit Card

Report Fraud

Please review this checklist before conducting your transaction to see if your transaction could be fraudulent. 

ATM Safety Guidelines

ATM's are a great convenience. Here are some easy tips to use in effort to take advantage of this great service and keep you and your finances safe.
  • Keep your engine running, doors locked, and the windows up when waiting in line at a drive-up ATM.
  • When possible, leave enough room between cars to allow for a quick exit should it become necessary.
  • If an ATM is obstructed from view or poorly lit, go to another ATM.
  • Minimize time spent at the ATM by having your card out and ready to use. If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.
  • If anyone follows your after making an ATM transaction, go immediately to a crowded well-lit area and call the police.
  • Check your ATM receipts against your monthly account statement to guard against ATM fraud.
  • Always observe your surroundings before conducting at ATM transaction. If you see anyone or anything that appears to be suspicious, leave the area at once.
  • When possible, take a companion along when using an ATM, especially at night.
  • Stand between the ATM and anyone waiting to use the terminal so that others cannot see your secret PIN or transaction amount.

Shopping Online

  • Only go to websites you trust. If you are not sure about a website, check with the Better Business Bureau.
  • Avoid clicking on email links - these links could take you to a fake website that has been created for the purpose of stealing your information. 
  • Make sure to download the most recent and reputable anti-virus and anti-spyware software to your computer.
  • Once you have purchased an item online, print the online credit card receipt and compare it to your billing statement.

Reported Scams

  • Mortgage Loans: Credit companies, unaffiliated with FORUM Credit Union, obtain mortgage loan information from public record sources. These companies then send letters to consumers that deceptively appear to come from FORUM. These letters use language such as "IMPORTANT NOTICE, please call regarding information about your loan with FORUM Credit Union." These letters are not associated with FORUM and never include the FORUM logo. 
  • Consumer Financial Protection Bureau is alerting people of a scam where an imposter claims to be a CFPB employee. Read more here.
  • REGULATORS OCC Warns about Unauthorized Bank The OCC yesterday issued a warning about an unauthorized national bank. An entity calling itself Bluegate Industrial Bank USA, N.A., offers a website but no other contact information and appears to be an email address harvesting scam. The OCC warned consumers who have created an account on the fake bank's website to take action to safeguard their identity. Read more here 
  • Debit/ATM Cards: Members and non-members are getting text messages stating their ATM card is frozen. Below is an example of the text message.
MSG: C.U. alert Your ATM Card has been frozen Call immediately (Please note the spelling is wrong)
Once you call the number there is a recording: "PLEASE ENTER YOUR CARD NUMBER, PEN & EXPIRATION AND SECURITY CODE ON THE BACK."