Member Security - APG Federal Credit Union

Active Alerts

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.

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 there are fraudulent transactions occurring on your card or account. They may say, to protect you, they urgently need your card or online banking information (login name and secure access code) to assist you and to verify your identity.

DON’T BE FOOLED. Use this knowledge 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 log-in 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 number, 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. The best tool to stop fraudsters is knowledge.

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 update to date and add notifications@online.apgfcu.com 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.

Report a Scam or Fraud

How APGFCU Protects You

APGFCU offers several tools to protect you from identity theft.

Alerts

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

Card Fraud Text Alerts is 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.
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.

Learn More about Visa Secure
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.
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 contactus@apgfcu.com.
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 require you to answer your security question correctly 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 and Identity Theft

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.

If you have been a victim of fraud or identity theft, reference the information below for helpful tips and resources to report fraud, rebuild your finances and protect your accounts and personal information from future threats.

Contact your local law enforcement agency to file a police report. Be sure to request a copy of the report to show proof of the crime, if needed.
Contact the three credit reporting agencies to place a fraud alert and/or credit freeze; 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
Contact ChexSystems to place a security alert on your consumer file.
- Call Consumer Relations at 800-887-7652 or visit www.chexsystems.com.
Notify Social Security Administration if your Social Security number was compromised.
- Call the SSA Fraud Hotline at 800-269-0271.
Notify your local Motor Vehicle Administration (MVA) if your driver’s license has been lost or stolen.
- Call the Maryland MVA at 800-950-1682.
Contact the Federal Trade Commission (FTC) to file an identity theft complaint.
- Call the ID Theft Hotline at 877-438-4338 or visit https://www.identitytheft.gov/#/.
Get a free annual credit report from the three major credit reporting agencies and continued monitoring of your credit reports by visiting www.AnnualCreditReport.com.

Phone Scam Alert

Security

Active Alerts

Phone Scam Targeting APGFCU Members

How APGFCU Protects You

Working Together to Recover From Fraud and Identity Theft

Security Resources & Information

Avoiding Fraud & Scams

Resources to Help You Avoid Fraud and Financial Scams

Protecting Against Identity Theft

Tips and Resources to Help You Protect Your Personal Information

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