APGFCU will NEVER contact you to request your PIN (Personal Identification Number). If you receive such a request, please contact us directly at our published number.
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APGFCU, INCLUDING ITS SECURITY TEAM, WILL NEVER ASK YOU FOR YOUR PIN (PERSONAL IDENTIFICATION NUMBER).
Debit cardholders are being targeted by fraudsters who say they are from your financial institution’s (FI) security department. Ultimately, they request personal information, including your card’s personal identification number (PIN).
Here's how it works:
You receive a phone call appearing to be from your FI. The caller, posing as your FI's Security, says fraud has been detected on your debit card and your card will be shut down. You are told a new card will be sent to you overnight and your PIN is needed to process the new card. By providing the PIN, you have given the fraudster the means to access your account.
If you are enrolled in text fraud alerts, the fraudsters will inform you to reply YES to a “test” text alert which is sent to your phone. Saying YES to this text clears the fraud alerts you have in place to protect your account. If you are not enrolled in text fraud alerts, you are asked to repeat a one-time passcode, which is sent to your phone, for enrollment. The one-time passcode is used to bypass safeguards in place to prevent fraud on your account.
Please remember APGFCU will NEVER ask for your PIN. If you receive a call or text requesting personal information, hang up and call us directly at our published number. Furthermore, should you receive a text code that appears to be from a fraud detection center, do not give the one-time code to anyone contacting you. This code should only be provided to you when you place an inbound call to a fraud detection center yourself.
If you voluntarily provide this information to anyone who is not an authorized card user on your account, you may be responsible for the transactions and you may not get your money back.
The best tool to stop fraudsters is knowledge.
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. Learn how you can be proactive and protect yourself, your finances, and your opportunities from malicious attempts.
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The security of your account information is our priority. Our security measures and your awareness of potential scams can help minimize the risk to your accounts and personal financial information.
We're committed to help if you are a victim of a data breach, identity theft or any other related crime. Use these suggested resources to help you avoid fraud and certain scams by protecting your personal financial information.
APGFCU offers several tools to protect you from identity theft.
Alerts are an email alert feature available through Online Banking. 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.
Card Fraud Text Alerts are a great tool to monitor the activity on plastic cards and avoid any unauthorized transactions. Contact us at 410-272-4000 or toll-free at 800-225-2555 to enroll.
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 other digital device, you may be guided through an extra check to verify your identity. Click the button below to learn more.
Learn More about Visa Secure
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.
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 firstname.lastname@example.org
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.
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What to Do if Your Identity is Stolen
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Read more articles located in our Article and Resource Library.
Do you have questions about protecting your personal financial information, phishing, data breaches, identity theft, or anything else related to fraud or scams?
We can help! Visit any branch or contact us.