Setting up fraud alerts for your La Capitol Federal Credit Union debit or credit card is easy. This one simple action can help protect your card from unauthorized activity. It can save you valuable time and money by preventing criminals from fraudulently using your accounts or cards.
To get started, access fraud alerts from your desktop or mobile device by logging into home banking, then selecting the account you want to protect. Once you log into the account, you will see a link in the bar at the top of the page. Click that link to go to the fraud alerts setup page. Once there, you will be asked to enter your card information. At that point, you will receive a confirmation text message. Reply to the text message, and you can rest assured that your card is protected by fraud alerts.
Once you sign up for fraud alerts, you will receive automated messages on your mobile device via text or voice if a suspicious transaction is identified on your credit or debit card. You will then simply reply to the text to confirm that the transaction is fraudulent, or that you did indeed make the purchase.
Should your mobile number, or card number change in the future you’ll need to reregister your card with the new number in order to continue receiving alerts.
Fraud alerts from La Cap are only one of the many important ways we help to protect your accounts.
To protect our members, we are constantly on the lookout for fraudulent activity. If a transaction seems suspicious – like one from a new location or in a large amount, it could be declined. So if you're going to be traveling, let us know ahead of time by calling 1-800-522-2748. That way, we can make sure you have adequate access to your funds while you're on the road.
Credit and debit card fraud involves the unauthorized use of another person's card information to make purchases from their account or access their funds. It happens in several ways.
Card fraud can mean online scams, data breaches, and card or mail theft. Know how to defend yourself and rest assured La Capitol is continually monitoring for threats and suspicious activity. However, there are a number of things you can do to protect yourself:
Be Careful with Your Card Information
Use Your Card Wisely
Beware Pretext Calling
Pretext Calling is the practice of getting your personal information under false pretense by sending you a text message that asks you to call a specified number about your debit or credit card. Visit ftc.gov for more information.
Your credit report is used by financial institutions and other organizations to make a variety of decisions that impact you – loan rates, insurance rates, whether or not you can rent a house or apartment, even employment opportunities. It’s important to know what’s on your credit report so you know where you stand with lenders, make corrections, and identify any activity that may be fraudulent.
U.S. citizens are eligible to receive a free credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. Request a free copy of your credit report annually at annualcreditreport.com.