Purdue Federal Credit Union

Phone #: 800.627.3328
Routing #: 274976067

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Personal Banking
Fraud Resources

Protecting Your Accounts is Our Top Priority

At Purdue Federal, we're proud of the measures we take to help protect your accounts. But we all need to be responsible and aware of actions that will minimize risk and keep our accounts safe.

For concerns or questions regarding fraud, contact us at 765.497.3328 or 800.627.3328 and ask to speak with our risk management department.

Monitor your debit and credit cards with Fraud Text Alerts.

Report Fraud Immediately

If you think you've been a victim of fraud or a scam, immediately report it to Purdue Federal Credit Union by calling 765.497.3328 or 800.627.3328.

The following websites may also be helpful.

Debit and Credit Card Fraud + Lost/Stolen Cards

Purdue Federal has recently partnered with The Members Group (TMG), a card processing company, to provide automated fraud detection and alerts for debit and credit cards. As a result you'll receive notifications quicker by an automated phone call. These phone calls will come from 866.518.0213.

Click to view: Card Compromise FAQs

Log into your online banking account and select ‘Enroll in Fraud Text Alerts' from the Quick Links menu at the right of the account summary landing page.

REMEMBER: If Purdue Federal or TMG initiates the call, we will never ask you for personal financial information or your entire credit card account number.

How to dispute an unauthorized card transaction:

If you do not recognize a transaction on your account statement OR your card is lost or stolen, please report it immediately by calling 765.497.3328 or 800.627.3328.

NEW! You can now report a lost or stolen card in Online Banking. Just log into your account and select 'Lost and Stolen Cards' from the 'Quick Links' menu on the right.

Visa requires specific paperwork for disputing unauthorized charges whether it is suspected fraud or simply an error by the retailer. We can help you with the necessary paperwork and in some cases provide provisional credit until your dispute is handled. Within 90 days we will either correct the error or explain why we believe the transaction was correct.*

* You must notify us no later than 60 days after you receive the first statement from the account from which the unauthorized transactions appeared.

Protect Yourself from ATM Skimming

The vast majority of ATM transactions are conducted safely and securely—in a few minutes, you can carry out your business and be on your way. But ATM fraud can and does happen. You can help prevent it by being aware of a scheme called ATM skimming.

ATM Card skimming is an ongoing problem. ATM skimming occurs when a device, or ‘skimmer, is attached to an ATM or point of sale terminals with the goal of stealing card information. The stolen information is used to create counterfeit credit or debit cards in order to make fraudulent purchases and withdrawals from your account.

ATM skimmers have two components. The first is an electronic device that fits over the card slot. When a card is swiped or pushed into the slot, the data on the card’s magnetic strip is copied. The second component is typically a hidden camera used to capture your PIN.


How to Protect Yourself from ATM Skimmers

  • Use familiar ATMs: ATMs located in dimly-lit areas or are frequently used late at night could be more susceptible to skimmers. Try to use an ATM at an inside location under video surveillance.
  • Examine the ATM: Take a quick look at the ATM before you use it to see if anything looks out of place. Check to see if anything looks loose or damaged. You should also check for scratching around the card slot, adhesive, tape or glue residue.
  • Check the card reader and keypad: If anything seems out of place or poorly attached to the ATM, gently tug on it. If it moves or comes away from the ATM, it may be a skimming device.
  • Look for hidden cameras: Look for small holes above the ATM screen or keypad that may contain a pinhole camera to capture your PIN.
  • Protect your PIN: Shield your PIN with your hand when you type it onto the keypad. In the event you do encounter an ATM skimmer, this is the easiest way to protect yourself.
  • Monitor your accounts: Make checking your accounts online part of your routine. If you notice any suspicious transactions, notify us as quickly as possible.

Fraud Alerts, Tips & Resources

There are many scams going on to try to take advantage of unsuspecting people. These scams may be generated via telephone, email, text messages or even computer pop-ups.

In nearly every case it's important to remember: DO NOT SHARE YOUR PERSONAL INFORMATION with anyone unless you are completely sure of their identity.

NEVER allow a buyer, renter, job offer or anyone else pressure you into taking immediate action. Always know who you are conducting business with and never agree to schemes involving overpayment.

Purdue Federal Credit Union will not email, generate an online pop up, text you or call you to request your personal or financial information.

Card Popping Scam (Card Cracking)

You've probably heard the phrase, "If it sounds too good to be true, then it probably is." There's a scam gaining popularity with young adults and college students that promises large sums of cash in exchange for personal account information. It's called card popping.

Unfortunately, we are seeing more instances of card popping and want to make you aware of the details. Participation in this scam will result in the closure of your account and may implicate you as an accomplice to the fraudster, so please take notice.

Essentially card popping is executed via social media sites or may be proposed in person at parties or a social gathering. You may see posts or messages from the new “friend” containing images of large amounts of cash with the claim you can turn hundreds into thousands overnight.

The scam begins with an exchange of your account information. The fraudster will often ask for account number, login ID/password, debit/credit card numbers with PIN, etc. They may ask you to contact your financial institution to request increased daily spending limits or to approve out-of-area card activity.

Card popping is normally directed at young adults/students who have newer accounts. In some cases the fraudster may instruct you to open a new account. Regardless of the variations in their story, the result will be the same:

  • Fraudulent deposits of large amounts of money into your account via ATM or mobile check deposits followed by cash withdrawals and card spending to deplete the account before the check has a chance to be returned.
  • The fraudulent checks will be returned for non-sufficient funds and your account will go negative, leaving you left repay the negative balance.

This type of fraud can only be accomplished with the account holder’s direct assistance. This scam is very avoidable. Never share your debit/credit card and PIN with anyone and never hand over your online/mobile banking credentials. Not only does giving this information out leave your account open to fraud, but it is also a direct violation of your account terms and agreement.

Getting a large sum of cash for sharing account information is a scam. You will leave yourself vulnerable to fraud and possibly incriminate yourself as an accomplice by willingly providing your personal account information. Steer clear of anyone inviting you to participate in card popping or similar scams and please report scam activity immediately to the Federal Trade Commission at www.ftc.gov.

Be aware that you will not receive the promised cash and you will only be left with a negative account balance and likely closure of all your credit union or bank accounts.

Overpayment Scam

This is one of the primary check scam types and many other check scams are simply a variation of this type of fraud. Overpayment occurs when someone is selling an item (normally online, think Craig’s List or Ebay) and a buyer gives them a check for more than the asking price – this is usually followed by instructions on why they have overpaid and a request to return and/or forward the surplus funds via wire, western union, pre-paid cards, money gram, etc.

Overpayment is ALWAYS a scam, there are no legitimate reasons for someone to overpay and request the forwarding of the surplus funds --- if the buyer made an error a new check should be requested, if someone wants fees paid to a third party they should do this themselves.

Work From Home Scams

This is also similar to an overpayment scam but the funds are for “start-up costs” or fees associated with the work from home venture or Secret Shopper job expenses. The fake check is given to the victim with instructions to forward the money on to a third party for the fees or equipment or services required of the job.

With Secret Shopping scams – the fake check is provided as the payroll and surplus to be used to purchase pre-paid cards, wire services, or other means of forwarding the funds on to the fraudster with the cover-story of evaluating the shopping experience of the requested money service.

Sublease Scams

This scam resembles an overpayment scam but with the pretense of a person needing a new apartment. The victim (often a student) is trying to get out of a lease and likely has it listed online.

The fraudster will offer to take over the lease and sends a fake check for the first month or two of rent along with additional funds for any number of made up reasons (such as travel agent fees, moving services, etc.)

The fraudster will request that the victim move the funds on to a third party via wire, money gram, western union, pre-paid cards, etc.

Lottery Scams

First and foremost, if you did not enter a lottery you are not going to win a lottery. There are no legitimate online lotteries in which randomly selected winners are chosen to receive substantial cash prizes; there are no multi-company funded lotteries in which random winners are selected; there are no lotteries that provide you with a check to cover fees and/or taxes upfront. It is also illegal to participate in overseas lotteries. In short, you can’t win if you didn’t actually play and you can only play if it is a valid legal state lottery.

Sweetheart Scams

These can be tricky as victims of this scam are more personally involved with the fraudster and may not wish to believe it is a scam. The fraudster will often spend weeks or even months baiting the victim and gaining trust. When they make their move, the fraudster will request some kind of emergency funds (they are in the hospital, had a wreck, got locked up, stranded someplace, etc.)

The fraudster may give excuses as to why they need to move funds through the victim’s account and the victim will be talked into willingly giving up their account access which allows the fraudster to make remote deposits using fake checks or stolen account information. The victim is then asked to wire all or most of the funds to a third party.

Help Protect Yourself Online

Viruses and spyware can take over your system, slow it down and put your data, privacy, and internet accounts at risk. Simply read these tips to learn how you can help protect your personal and financial information from online threats.

  • Update your security software and run a complete system scan on all your computers.
  • Download the latest version of your web browser to help safely surf the web.
  • Update your operating system to ensure you have the latest security updates.
  • Back up your data regularly using a removable storage device or cloud.
  • Make wireless network security a priority at home and on the road.
  • Don’t click on any ads, pop-up windows or banners that look suspicious.
Identity Theft Tips

U.S. Department of Justice data show that identity theft is the fastest-growing crime in America, and studies show that the 18- to 29-year-old age bracket accounts for 30% of all identity-theft complaints.

Identity theft occurs when someone uses your personal identifying information, like your name, Social Security number (SSN), or credit card number, without your permission, to commit fraud or other crimes and to get credit in your name.

No one can totally eliminate the risk of identity theft. Think of your SSN, financial account numbers, and passwords as the Holy Grail—sacred and powerful. You can reduce your chances of becoming a victim by following these simple guidelines:

  • Don't carry your Social Security card in your wallet unless you need it that day.
  • Avoid using public computers to access financial accounts, and use intricate passwords.
  • Limit personal information online.
  • Shred any paperwork that contains nonpublic information.
  • If you access financial accounts or shop online, make sure the Web site is secure. Secure sites have an “s” after the http—https://.
  • Check your credit report regularly at annualcreditreport.com and monitor your transactions. Reconcile your accounts regularly.
  • Keep an inventory of everything in your wallet and your PDA.

And if you ever become a victim of identity theft, remember that we're here to help. CLICK HERE for a document on immediate steps to take if you've been a victim of ID theft. 

Helpful Tips to Guard Your Cards
  • Sign new credit cards with permanent ink as soon as you receive them. If your card has a PIN, memorize it. Skip easily recognizable PINs such as the last four digits of your Social Security number or phone number.
  • Providing your personal and financial information to anyone can lead to ID theft and phishing attacks. Know whom you're dealing with.
  • Beware of phone scams. Never give your PIN or any other personal financial information to an unknown caller.
  • Track financial statements. Find out when financial statements and plastic cards are due to arrive. If they're late, contact your credit union or appropriate issuer.
  • Protect yourself online. New technology allows online vendors to assure customers reasonable security from online theft. If you doubt the security of the vendor, order the items over the telephone

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