Security and Fraud Protection

Protecting you from financial fraud and scams

Your personal and financial security is our top priority.

If someone contacts you unexpectedly claiming there’s a problem—any problem—be cautious. Scammers often attempt to create a sense of urgency to trick you into divulging personal information. Don’t respond, don’t click on links, and don’t engage. Hang up immediately or delete the message.

RMCU will never contact you asking for sensitive information, such as:

Social Security Number

Credit or Debit Card Numbers

Address

Security Code (CVV) or PIN

Date of Birth

Online Banking Username or Password

Verification Codes

Do not share your information if you receive suspicious calls, texts, emails, or messages. Instead, contact RMCU directly at 800-624-2341 to verify the communication.

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Active fraud alerts

Fraudulent Text Messages

RMCU is aware of text smishing scams being sent to members to steal personal and financial information. The text contains a warning about unusual activity on an account and provides a link to verify information to regain access. These messages include a malicious URL that may contain the string “RMCU” in the URL or text message to make them appear legitimate. If you receive a text message like the one below, do not respond, click on links, or call any numbers. Delete it immediately.

RMCU does provide fraud prevention via text. However, a link will NEVER be included. RMCU fraud services will send a text about a specific transaction and ask you to verify by responding with either a "Y" or a "N."

If you believe you have already provided personal information by clicking on a link provided in a fraudulent text message, please reach out to RMCU for assistance.

Fraud Alert - Smishing

Phony text messages are targeting members of Rocky Mountain Credit Union.

Specifically, members have reported receiving text messages stating that their accounts have been restricted due to suspicious purchases. These messages are not from us. Our fraud prevention service alerts members to possible fraudulent purchases and requests that you reply with 'Y' if the transaction is valid or 'N' if it is dishonest. Rocky Mountain CU will never ask you to enter your personal account information, PIN, CVV code, or full Social Security Numbers in a text or email.

Smishers typically send a text that’s intended to trick you into giving away personal information, like your passwords, account numbers, or Social Security number. They use that information to gain access to your email or bank accounts. Smishers have numerous ways to encourage you to share sensitive information.

WALMART.COM Increased Fraud Alert

We are currently experiencing high volumes of fraudulent transactions from WALMART.COM. Our fraud team is working diligently to combat these instances. In the meantime, to protect our members from this fraud, we have blocked transactions from WALMART.COM. If you need to purchase from WALMART.COM, you will receive a fraud alert via email, text, and/or phone call from our fraud services team. You can verify the transaction and continue your purchase with confidence.

Other common scams to watch for

Investment Scams have become increasingly sophisticated, with median losses of $1,104. These fraudsters promise unrealistic returns through fake investment opportunities, often using professional-looking websites and testimonials to build credibility.
Romance Scams cause devastating financial and emotional damage, with median losses of $1,996. Scammers build relationships on dating sites or social media, then create fake emergencies that require immediate financial assistance.
Imposter Scams remain the most commonly reported scam category. Criminals impersonate government agencies, tech companies, or financial institutions to steal personal information or demand immediate payments.
Tech Support Scams prey on consumers' fears about computer security. Scammers call claiming to be from Microsoft, Apple, or other tech companies, warning about viruses or security breaches. They request remote access to your computer or payment for unnecessary services, often targeting older adults with median losses of $1,560.
Online Shopping Scams have exploded with e-commerce growth. Fraudsters create fake websites or social media ads for products at unbeatable prices, then either fail to deliver or provide counterfeit goods. These scams often involve non-existent retailers, bogus discounts, or "limited time" offers designed to create a sense of urgency.

Security resources

These government resources can help you avoid scams, prevent identity theft, and understand your rights as a consumer.