Security and fraud awareness
Spot and Avoid Common Online Scams
Scam messages can arrive by email, text, phone call, social media, or a website that imitates a familiar company. A message may look polished and mention a real purchase or service, but the sender’s name and logo do not prove it is genuine.
Common warning signs
- An unexpected alert says an account or purchase needs immediate attention.
- The sender asks for a password, PIN, full account number, or one-time verification code.
- A caller tells you to move money to a “safe” account, buy gift cards, or keep the request secret.
- A link leads to a sign-in page reached from an unsolicited message.
- A buyer, employer, or stranger sends a check and asks you to return part of the funds.
Verify before you respond
Pause and contact the organization through its official app, a website address you enter yourself, or a phone number from a trusted statement or card. Do not use a link or number supplied by the unexpected message. If the message claims to be from Noven CreditUnion, sign in by visiting the bank’s known website directly or contact us through the official contact page.
Never share a password, PIN, or one-time code with someone who contacts you. A legitimate support conversation should not require you to hand over a code that authorizes access or a payment.
Protect your accounts and devices
- Use a unique password for each important account and a password manager if available.
- Turn on multi-factor authentication where the service offers it.
- Keep devices, browsers, and security software updated.
- Review account activity and alerts through the official service.
- Limit personal details shared publicly, since scammers can use them to make a message sound convincing.
If you clicked or shared information
Stop responding and contact the affected organization using a trusted method. Change compromised passwords from a safe device, review recent account activity, and follow the institution’s instructions. If money was sent, contact your financial institution and the payment provider immediately; recovery options depend on the payment method and timing. Keep copies of the messages and report the incident to the appropriate authorities.
The Federal Trade Commission’s scam guidance explains how to verify unexpected messages and report suspected fraud. Noven CreditUnion customers can find login help on our online banking support page.