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Consumer Scams

Fraudulent Official Checks

We have been notified that fraudulent Travis Credit Union Official Checks are being used in various fraud schemes. The fraudulent checks are being used for mystery shopper programs, overpayment, new attorney client, lottery winnings and other types of fraud schemes. If you suspect you may be in receipt of a suspicious Travis Credit Union Official Check, please call (800) 877-8328 to verify issuance.

For more information about how to protect yourself from Check Fraud, please visit the Federal Trade Commission (FTC) website by clicking here:

Beware of Unsolicited Email, Text, Phone and other Consumer Scams

Be watchful of unsolicited e-mails, text messages, voice mails and telephone calls that request your personal or financial information. Phishing (e-mail), smishing (text messaging) and vishing (telephone) attacks against credit union members increased nearly 600 percent in 2009, according to the Anti-Phishing Working Group.

These scams are often well-designed to mimic legitimate financial institutions and businesses. They stress urgency about using links or calling phone numbers that ask you to update your personal or account information such as credit card numbers, checking account information, Social Security numbers and passwords. The technology employed by thieves is sometimes so sophisticated you may not recognize you’ve been scammed until it is too late.

Here are some examples of smishing, phishing and vishing scams:

  • Text message: “Attention Travis CU member. Please contact us 24/7 at XXX-XXXX.”

  • Email: “Your account has been temporarily suspended because of a security breach at our credit union. Please provide your information to our security department to reactivate your account.”

  • Voice message: “Your credit card was suspended. Our customer service department needs your information to reinstate your card.”

Remember, you should never reveal personal or account information online by following a link in an e-mail or responding to an unfamiliar text.


Here are some tips to avoid becoming a victim of these scams:

  • Don’t use the link(s) or call phone numbers given in text messages if you don’t know the message is authentic or feel something is not right. Instead, call the company or visit its website directly.

  • Don’t fill out forms in e-mail messages. Only communicate information such as credit card numbers or account information via a secure website or by telephone--and only when you initiate the contact.

  • Regularly review your statements for your credit and checking/debit card to ensure that all transactions are legitimate.

  • Ensure that your Web browser is up-to-date, including timely security patches.

  • Do not click links in an email, instant message or chat to redirect to any web page if you suspect the message to be fraudulent or you don't know the sender or user's handle. Instead, call the company over the phone, or visit their website directly by typing the Web address in your browser.

  • Make it a habit to enter the address of all banking, shopping or financial transaction websites yourself and not depend on displayed links. Phishers are now able to forge both a legitimate-looking address and the "https://" that is normally seen while visiting a secure Web server.

  • Phishers might also forge the yellow lock near the bottom of the screen that you normally see on a secure site. The lock has been considered an additional indication that you are on a 'safe' site. When the lock is double-clicked, the site’s security certificate is displayed. Do not continue if you receive any warnings displayed.

  • Oftentimes phishers include exciting or upsetting (but false) statements in their emails to get people to react right away.

  • Phisher emails are usually NOT personalized but they can be. Valid messages from your financial institution or retailer are generally personalized. Always call to check if you are unsure if the communication is legitimate.

Travis Credit Union will never send you an email or text asking for you to provide confidential information. Please do not click on any link embedded in an email or call any number listed in an unsolicited text that you do not recognize.

To confirm any letter, email or other communication from Travis Credit Union, you may call our Member Service Center at (707) 449-4000 or (800) 877-8328 during normal business hours.

Suspicious Email 3/20/15


Travel Tips

Credit and Debit cards are the easiest and safest way to carry money while you are traveling. The following travel tips can help you enjoy your trip and keep your cards safe.

  • Before departing, check your cards expiration date and be sure you have sufficient funds in your account and all payments are up-to-date
  • Make photocopies of your card and store the documents somewhere safe
  • Keep cards and cash in a separate place – that way you lower the risk of losing everything
  • In crowded areas, hold wallets and bags close to your body use a money belt if possible
  • Use safety deposit boxes or room safes in hotels, if provided
  • When you pay with card, check the information on the sales receipt. You are liable for the amount written in the box labeled Total, so make sure it is filled in before you sign
  • Memorize your personal identification number (PIN) if you are planning to withdraw local currency from a cash machine and be sure to shield the key pad with you hand as you enter your PIN
  • Ask us to place a travel notice on your account specifying your destination and travel dates so your card activity doesn’t appear suspicious or unusual while you are traveling

If possible, let us know your alternate phone number while you are traveling.


Online Shopping Safety Tips

  • Only shop at Internet merchants you know and trust; when in doubt, check with the Better Business Bureau
  • Register your card with MasterCard Secure Code or Verified by Visa and create a password so your identity can be authenticated and verified once your card is used at a participating online merchant
  • Beware of emails marked-down prices on popular gadgets, software or other gifts; if the price sounds too good to be true, it probably is
  • If you receive an unsolicited email from an online merchant, do not click on the links within it. Instead, type and search the merchant’s known address or locate it through a reputable search engine
  • Check the online merchants’ refund policies; some merchants enforce deadlines for returns or charge a fee to accept returned merchandise
  • Do not share your passwords with anyone. Use different passwords for different sites
  • Never share sensitive information such as your social security number, date of birth or mother’s maiden name within a website or in an email
  • Before shopping online, make sure your computer has the latest security software installed
  • Always save and print the confirmation page once completing a purchase online
  • Do not wait for mailed paper statements. Check your account activity through Online Banking and contact Travis immediately if you see transactions that you don’t recognize

We monitor your account and will call you to verify any unusual or suspicious activity. Make sure we have your current day time or cell phone number on file.


Password Tips


Use a password manager

Password managers create strong, unique passwords and sync them across all your devices. They are easy to use, inexpensive, and eliminate the need to remember all but one master password.


Reset your passwords each month

According to a recent study, 47% of consumers have a password that is at least five years old, and 77% have a password that has not been changed in a year.

The longer you leave your password unchanged, the greater the risk it is to your security.


Enable two- or multi-factor authentication

Also known as 2FA/MFA, this system requires multiple authentication methods to access an account.

For example, some websites will send a code to your mobile device as the second factor of authentication. That way, a criminal can’t access your account even with a breached password because they won’t have access to the code. The system will also notify you if someone is attempting to log in.


Create a different password for each account

The temptation is to use one or two passcodes for everything, but that would be like making just one key for all the locks on your house, office, car, safe, etc. Again, a password manager generates unique passwords easily, so consider using one across all your personal devices.

Passwords longer is stronger


How We Protect You Report Lost or Stolen Cards TCU Security