- Locations
- Aberdeen Branch
- APG Branch
- Bel Air — Amyclae Branch
- Bel Air — Home Loan Center, Main St. (No ATM)
- Bel Air — Laurel Bush Branch
- Bel Air — Main St. Branch
- Cecil College Branch
- Chesapeake City Branch
- Edgewood Branch
- Elkton Branch
- Fallston Branch
- Forest Hill Branch
- Havre de Grace Branch
- North East Branch
- Rising Sun Branch
- Riverside Branch
- Branch Appointment Requests
- Notary Services
IMPOSTER SCAM ALERT
Please be aware of fraudsters contacting members unexpectedly via a phone call, text or email pretending to be APGFCU fraud detection employees.
If you receive a suspicious unsolicited call, email or text appearing to be from APGFCU and requesting information:
- DO NOT provide any information
- STOP all communication with the suspected imposter
- CONTACT US immediately at our published numbers (410) 272-4000 or (800) 225-2555 to help resolve any additional security risks
Security
Phone Scam Targeting APGFCU Members
APGFCU®, INCLUDING ITS SECURITY TEAM, WILL NEVER CALL AND ASK YOU FOR YOUR PIN (PERSONAL IDENTIFICATION NUMBER) OR SECURE ACCESS CODE FOR ONLINE BANKING.
Active Scams
Text Alert Scam
There is an active scam where identity thieves pretending to be from APGFCU are contacting members via a text alert on their phones. The alert instructs you to click a link, which takes you to a site that appears to be ours to enter your APGFCU login ID and password. DO NOT CLICK THE LINK IN THE TEXT and only access APGFCU Online Banking via the apgfcu.com website or our mobile app.
Phone Scam
There is an active scam where identity thieves pretending to be from APGFCU are contacting members. The phone number is spoofed so the caller ID appears as APGFCU's published phone number.
The scammer’s goal is to scare you into thinking fraudulent transactions are occurring on your card or account. They may say, to protect you, they urgently need your card or Online Banking information (login ID and secure access code) to assist you and to verify your identity.
DON’T BE FOOLED.
The best tool to stop fraudsters is knowledge.
- Learn How to Thwart Their Efforts and Protect Yourself
- NEVER answer questions from any incoming random phone call, text or email requesting information, even if it looks or sounds legitimate. Criminals have become adept at making texts, emails, etc. look official, and spoofing caller ID so the caller appears authentic.
- NEVER give out your online banking login credentials, Secure Access Code, card information, personal identification number (PIN) or other personal information requested by people contacting you unexpectedly.
- Remember, APGFCU will never call, text or email you asking you for information such as your online banking password, Secure Access Code, debit card PIN, expiration date or CVV code on your card(s).
- APGFCU won’t call, text or email you asking you to change your PIN on the spot.
- Identity thieves may use tidbits of information they’ve learned about you to gain your trust and get you to provide more information. DON’T FALL FOR IT!
- Scammers will try to charm you into providing information. Others use pressure, creating a sense of urgency, to unsettle you and get you to give them information. Some may even become aggressive if you don’t comply. APGFCU representatives do not behave that way.
- It's okay to end the phone call. Simply tell the caller you’ll call them right back and hang up. Then, call APGFCU at our published phone numbers: 410-272-4000 or 800-225-2555.
If you voluntarily provide your sensitive information to anyone who is not an authorized user on your account, you may be responsible for the transactions and you may not get your money back.
If you receive an APGFCU Security Alert (i.e. new device added, login ID or password changed, secure access code contact changed, user profile updated, or security alert preferences changed) and you suspect fraudulent activity, please contact APGFCU immediately.
Please make sure your contact information, and secure access delivery channels, are up to date and add [email protected] to your safe senders list.
Within Online Banking, navigate to Settings > Alert Settings to edit your delivery preferences (email, phone, text) and to enable security alerts.
How APGFCU Protects You
APGFCU offers several tools and resources to protect you from identity theft.
- Alerts
Alert settings, which is a feature available through Online Banking, allow you to choose your delivery preferences - email, voice, text, push notification, or secure message. Sign up to receive alerts when you have a low balance, an overdrawn account, and more. This is a great tool to monitor the activity in your Online Banking accounts and avoid any unauthorized transactions.
- Chip Card Technology
APGFCU is now issuing Visa credit and debit cards featuring chip technology, which provides an added layer of security to your card at no cost. Find out more about chip card technology by clicking the below button.
- Card Fraud Text Alerts
Card Fraud Text Alerts are a great tool to monitor the activity on plastic cards and avoid any unauthorized transactions. We also offer the APGFCU Cards app, which is a companion app to Online Banking, and allows a member to manage their card - turn off/on, controls and alerts, travel plans, report lost/stolen, etc. Contact us at 410-272-4000 or toll-free at 800-225-2555 to enroll.
- Credit Card Safety
In addition to great spending power, your APGFCU Visa® Credit Card comes with a host of benefits available to you as a card member, including identity theft protection. Discover more about Visa Protect Package, by clicking the below button.
- Visa Secure
When you shop online and see the Visa Secure badge on participating merchant sites, this means your online purchases are secured with Visa. Visa has developed a program that helps confirm your identity when you make an online purchase at participating merchant sites. There's no need to download anything, install software or register. During an online purchase from your desktop, mobile or another digital device, you may be guided through an extra check to verify your identity. Click the button below to learn more.
- Member Photo ID
We will scan your Photo ID and attach it to your account in our computer, so when you come in to do your transactions, you won’t need to show your ID card or a driver’s license. The teller will simply pull up your photo and ask you to smile! Attaching your photo ID makes fraudulent access to your APGFCU accounts practically impossible. Someone may find your card in a parking lot or steal your wallet, but they can’t steal your smile. Stop in today and take this easy step to protect your identity.
- Data Breach
In the event of a data breach, we are here to help you monitor the security of your identity and financial information. Discover what you can do to protect your information, by clicking the below button.
Steps for Monitoring Your Identity and Financial Information
- Your Security Is Our Priority
To protect your personal information from identity thieves, click the below button for some tips on how to shop online safer and smarter.
- Security Tips for Safe Online Banking
APGFCU will NEVER contact you to request your PINs, codes or login passwords. If you receive such a request, please contact us directly at our published number. For more security tips on how to safely bank online with APGFCU, click on the below button.
- Secure Email
Email transmitted across the Internet is normally not protected and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential or private information, such as your user ID, password, account number, or Social Security Number via unsecured email to APGFCU. APGFCU will never ask you to send confidential to us via unsecured email.
If you are requested to send confidential information to APGFCU, you will be asked to use the APGFCU Online Banking Message Center or you may request to have a secure email sent to you, to which you can respond with the information requested. Alternatively, you may request a fax number or visit one of our branches.
Important note: Subject lines cannot be encrypted. Please do not include sensitive information in the subject line of a secure email. If you have any questions or need additional information, please email [email protected].
- Replacing Your Important Papers
The Federal Emergency Management Agency provides a list of ways to get duplicates of important documents that have been destroyed or lost. Learn more by clicking the below button.
- Report Identity Theft and Get a Recovery Plan
IdentityTheft.gov can help you report and recover from identity theft. See how it works by clicking on the below button.
- Member Protect and Care Identity Theft Recovery Services
Fully restoring your identity on your own can be complicated, time-consuming and stressful. As part of the Care Identity Theft Recovery Services Group, we can connect you to a professional, dedicated Privacy Advocate who can guide you through these challenges. To learn more, click the below button.
- Protect Your Credit Score and Credit History
Equifax® Personal Solutions offers three products that can help today’s consumer protect the information in his or her credit files, make better decisions that will improve credit scores, and stay ahead of the growing problem of identity theft and credit fraud. APGFCU encourages our members to review the benefits and the security that these products can offer. Get started with protecting your credit.
- More Protections for Your Information
- Require signatures and membership ID for address changes and cash withdrawals.
- Maintain a secure server for Online and Mobile Banking (128-bit encryption).
- May register a device, receive a secure access code, or set up authentication to gain access to Online Banking.
- No longer require your member/account number on the back of checks you are cashing or depositing.
- Allow you to request that an additional password be asked every time you call or come into a branch, for identification purposes.
Working Together to Recover From Fraud
Your credit report offers a consolidated summary of your financial history to anyone authorized to view it — but even fraudsters and identity thieves have methods of hacking in. If you have been a victim of fraud or identity theft, follow the steps below to report fraud, rebuild your finances and protect your accounts and personal information from future threats.
- 1. File a Police Report With Your Local Law Enforcement Agency
Be sure to request a copy of the report to show proof of the crime, if needed.
- 2. Place a Fraud Alert and/or Credit Freeze With the Three Credit Reporting Agencies
You can also obtain/review a copy of your credit report(s).
- Equifax (800) 685-1111 equifax.com
- Experian (888) 397-3742 experian.com
- TransUnion (800) 680-7289 transunion.com
- 3. Contact ChexSystems to Place a Security Alert on Your Consumer File
Call Consumer Relations at 800-887-7652 or visit www.chexsystems.com.
- 4. Notify the Social Security Administration (SSA)
Call the SSA Fraud Hotline at 800-269-0271 if your Social Security number was compromised.
- 5. Notify Your Local Motor Vehicle Administration (MVA)
Call the Maryland MVA at 800-950-1682 if your driver’s license has been lost or stolen.
- 6. Contact the Federal Trade Commission (FTC)
Call the FTC ID Theft Hotline at 877-438-4338 or visit www.identitytheft.gov to file an identity theft complaint.
- 7. Get a Free Annual Credit Report From the Three Credit Reporting Agencies
Visit www.AnnualCreditReport.com for continued monitoring of your credit reports.
Safeguard Against These Common Scams
Impersonation Scams
Scammers are posing as a financial institution (like APGFCU) or online retail customer service agents to gain access to your data and finances. View the red flags.
Romance Scams
Sweetheart scammers prey on those looking to find love via online dating profiles or social media platforms. Learn how to identify and avoid a romance scam.
Tech Support Scams
Protect your personal information from scammers who are posing as computer support/technicians. Learn how to identify a scammer. Or, watch this Tech Support Scam - YouTube Video.
Senior Financial Abuse Scams
Seniors and grandparents are targets for several scams, both from family and caregivers as well as strangers, that can cost them big. Learn how to spot and stop senior financial abuse.
Employment Scams
Identify and avoid bogus business opportunities or employment scams. Here are examples of employment scams and learn how to avoid them.
Money Mule Awareness
Be aware of this scam and don't be a victim. Read this article to protect yourself from this type of fraudulent activity.
Contact Us
Do you have questions about protecting your personal financial information, phishing, data breaches, or identity theft?
Would you like to report a concern regarding a scam or potential fraud?