Security and Fraud
Keeping you safe is our priority.
At Red Canoe, we’re strongly committed to the safety and confidentiality of your personal information. One of the best ways to avoid fraud is to become educated, and we’re here to help.
Your Security Comes First
Protecting your accounts and personal information is a top priority for us. Red Canoe will never call, email, or text you asking for a one-time passcode, your account passcode, your debit card number or any other sensitive information.
Reporting Fraud on Your Account
Reporting suspected fraud as soon as you notice it is critical. The faster we know, the faster we can help protect your account and limit potential losses.
Debit Card Fraud
Learn what to do if you spot unfamiliar charges or suspect debit card fraud.
ACH Fraud
Find out how to report unexpected ACH transfers or suspicious account activity.
Identity Theft
Discover steps to report identity theft and protect your credit and accounts.
Check Fraud
Learn what to do if someone alters, forges, or cashes a check without your permission.
Tap Payment Schemes
Learn what to do if you spot unauthorized or suspicious tap-to-pay transactions.
Account Takeover
Learn what to do if someone gains control of your account and makes changes or transactions without your permission.
Spot the Warning Signs
Learn the common tricks scammers use so you can protect your personal and financial information.
Report suspected fraud as soon as you notice it. The faster we know, the faster we can help.
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You're being pressured or feeling a sense of urgency to act immediately.
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You’re asked to pay with gift cards, wire transfers, cryptocurrency, or other uncommon payment methods. Legitimate companies won’t ask for these.
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If a prize, job offer, or investment sounds unrealistically generous, it probably is.
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Check email addresses, phone numbers, and links carefully. Scammers often use names or addresses that look almost, but not quite, real.


Common Types of Fraud
Know what to watch for.
Fraud can take many forms, but recognizing common scams can help you stay a step ahead. Learn how each one works and how to protect yourself.
Identity Theft
The act of stealing and using someone’s personal information, like their Social Security Number, often for financial gain.
Phishing
A scam where fraudsters send emails or messages pretending to be from trusted organizations to trick people into sharing personal information.
Social Engineering
A scam tactic where someone uses deception or psychological tricks to get you to reveal sensitive information.
Spoofing
When scammers disguise emails, phone numbers, or websites to make them look like they come from a trusted source.
Romance Scams
Fraudsters build fake online relationships to gain trust, then ask for money, gift cards, or personal information. If someone you’ve never met in person asks for financial help, it’s a major red flag.
Cryptocurrency
Scammers trick people into sending money or investing in fake crypto opportunities. Legitimate companies will never pressure you to buy or send cryptocurrency.
What We Will & Won't Ask You
Here’s how to recognize legitimate communication from us:
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We'll NEVER contact you and ask for your Online Banking username, password, or other Online Banking credentials.
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We'll NEVER contact you and ask for your debit card PIN or CVV. If you contact us, we may ask you to confirm the last 4 digits of a card number depending on your needs or concerns.
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We'll NEVER ask via email or text for your personal information, such as your Social Security Number, card numbers, PIN or passwords.
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We will not conduct financial transactions via email. If you receive such a request via email or text, please do not respond or click on any links within it.
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If you notice suspicious account activity, please contact the credit union immediately.


Fraud Prevention Tips
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Use a combination of upper and lower case letters, numbers and special characters. Set your password to something that is not easily guessed and change your password frequently. You should not choose an Online Banking password that is the same as your email or social media passwords. Never write your password down or share it with others.
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Emails and text messages can be masked to look like they’re coming from a trusted sender when they’re not. Play it safe – do not send your personal information such as account numbers, social security numbers, passwords etc. via email or texting.
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Opening unknown files attached to emails can be dangerous, especially when they’re from someone you don’t know. This can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have an antivirus program on your computer that is up to date.
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Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, type in the URL address directly and then log in.
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If you navigate to a website from a link you don’t type, you may end up at a site that looks correct, but isn’t. Take time to verify that the page you’re visiting matches exactly with the URL that you would expect.
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When you are ready to leave a site you’re logged in to, log out rather than just closing the page.
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Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away. Always contact the credit union by phone at 800-562-5611 if you feel your personal information has been compromised.
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Adding this extra layer of security helps protect your accounts even if someone gets your password. -
Scammers often pressure you to act fast. Take a moment to pause and verify before responding.

