Fraud Prevention Tips

Learn how to avoid scams and prevent fraud with our tools and tips to keep your money and identity safe.

Safeguard Privacy and Security
Safeguard Privacy and Security

How to prevent fraud

  • Stop and analyze: Is the seller, company, charity or organization credible? Contact the local or state consumer agencies to verify the legitimacy of the company. Verify the phone number on the company’s website.
  • Keep information safe: Scammers can email, call, text or send a message on social media asking you to verify your personal information. Do NOT give them any information, including one-time passcodes. Most reputable companies will not initiate contact to ask for your information.
  • Contact your financial institution: If you’ve given out your personal information or one-time passcode, time is of the essence. The sooner you contact your financial institution, the better.

If your information has been compromised, immediately call GECU toll-free at 1.800.772.4328, or 1.800.810.2252 after hours.

We’re Here to Help You With Fraud Prevention
  • What scams are fraudsters using today?
    Fraudsters continually change their tactics with new scams. Some of the most prevalent scams today include unemployment benefits fraud scams, romance scams, lottery scams, work scams, classified ad scams, email phishing scams, and social media scams. Learn about common scams.
  • What is phishing?
    Phishing is a tactic used by scammers to trick people into providing the password and username for their online accounts by sending links in emails or text messages that look like they are from a legitimate source.
  • What should I do if I have become a victim of fraud?
    • If your account information has been compromised, please call us immediately at 1.800.772.4328.
    • If your GECU debit or credit card has been compromised, please call our card services department immediately at 1.800.810.2252.
    • We can guide you through the process of filing a fraud or dispute investigation based on the fraudulent activity that’s being reported.2
  • What happens after filing a fraud or transaction dispute investigation?
    Generally, the dispute will proceed but is not limited to the following steps:
    • We will begin investigating your dispute as soon as you notify us.
    • We may close your account or card to prevent additional fraudulent activity.
    • We may request you to provide and complete supplemental documentation.
    • As determined by the investigation, GECU may issue a provisional credit to your account within 10 business days from the date that the dispute is initially received.
    • If your claim is determined to be valid, the provisional credit that has been issued becomes permanent, and the claim will be closed and completed.
    • If your claim is determined to be invalid, you must return the provisional credit and GECU will debit your account for the entire amount of the provisional credit.
    • GECU follows regulatory requirements of time limits for investigations. Generally, the entire process could take up to 90 days for a fraud investigation and up to 120 days for a dispute investigation.  
    • Once the investigation is complete, you will be notified in writing.
    • Remember that your GECU debit and credit card are backed by Mastercard Zero Liability.3

    For more information, call 1.800.772.4328 or chat with us now.
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1Intermittent disruptions as a result of network performance issues and outages beyond our control may delay card control service functionality.
2To limit your liability and additional fraud on your account, you must report a fraudulent or disputed transaction within 60 calendar days of the delivery date of the statement on which the transaction first appears. Additional conditions apply. Refer to your GECU terms and conditions for details.
3Under Mastercard® Zero Liability policy, you will not be liable for an unauthorized transaction, as long as you exercised reasonable care in safeguarding the card from risk of loss or theft, and upon becoming aware, promptly report the loss or theft to us; otherwise, your liability will be determined by the GECU terms and conditions.


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