How To Protect Yourself Against Fraud

How To Protect Yourself Against Fraud

Posted on July 13, 2020


Check out our tips for how to protect yourself against fraud with our Fraud Investigator, Lynn. 

Fraud Protection

At On Tap Credit Union, we take your security seriously.

To report fraud, or dispute a claim, please call 1-800-808-6402. 


On Tap Credit Union has established safeguards
to help protect our members' information

  • Free Credit Report Reviews – We welcome our members to come in for a free financial analysis that includes a review of their credit report. We can help them review the details of their report to ensure accuracy and help them discover opportunities to save money and make money.
  • Lock It Card Control™ - We provide Lock It Card Control as a security measure for our members available in our mobile banking app. This allows members to temporarily lock their own debit and credit cards.
  • EMV Chip Credit and Debit Cards and OmniShield® - These smart chip cards generate a unique transaction code every time the card is used, providing valuable security. In addition, our new EMV chip card has an added security feature called OmniShield® that scans your card activity 24/7. With OmniShield®, if fraudulent debit or credit card activity is detected on your account, you will be contacted by a representative to verify the transaction
  • E-statements - We encourage members to use e-statements to review accounts, balances and activity to help avoid mail fraud.
  • Multi-Factor Authentication on Online & Mobile Banking - On Tap Credit Union utilizes a second layer of security by requiring members to enter a Secure Access Code, further helping us authenticate members and safeguard their information.
When asking to verify your identity, On Tap Credit Union will NEVER ask for:
  • A full social security number
  • Full card numbers
  • A one-time online banking security access code
  • The CVV code or PIN for a card
On Tap Credit Union recommends that all of our members take their credit and identity protection seriously. If you think your account or personal information has been compromised, contact us right away. If you are a victim of identity theft, we will help you work through the steps you need to take to protect yourself and your credit.

You may also consider adding Identity Theft Protection Insurance(Opens in a new Window) to your Renters or Home Owners Policy. Speak with one of our representatives today by calling 303.279.7248.

Additionally, be sure to check your credit report at least annually, which you can do for free once a year by visiting You should also review your bank and credit card statements each month to make sure there is no fraudulent activity.

3 additional tips on protecting yourself from fraud or scams  

  1. Write the year 2020.
    • When signing and dating legal documents, do not use 20 as the year 2020. March 3, 2020 could be written as 3/3/20 and people could modify that to 3/3/2017 or 3/3/2018. Protect yourself and remember to always write out the year.
  2.  Never give out your personal information.
    • On Tap Credit Union vendors will never ask you for your information through text, phone or voice as we have not given them your information or asked them to contact you directly. If you ever do receive a text, call or voice communication, you can reach out to our Contact Center at 303.279.6414 to report the issue.
    • Never share account numbers, debit or credit card numbers, Social Security numbers or any other sensitive information to unsolicited callers, via phone, text or e-mail.
  3. Do not open or answer unknown phone calls/emails.
    • Delete any emails that request you to change your e-mail addresses or passwords or ask you to update your account information. A financial institution is liable and will only contact you saying that you need to contact them regarding your account(s). The same s true for voicemails or SMS text messages asking you to verify personal or account information. This is not how financial institutions operate.

 Lastly, remember if a deal sounds too good to be true it probably is and it’s a scam. You can visit the Federal Trade Commission’s website for current scams and more tips on protecting yourself. Check out our Fraud Alerts page as well for additional resources and alerts on popular scams.