Types of Fraud
Fraud can happen through email, phone calls, text messages, fake checks, stolen identity information, and card skimming devices. Understanding how these scams work can help you recognize warning signs earlier and protect your money.
Important Reminder
Campus Credit Union will never initiate contact and ask for your online or mobile banking credentials, including your username, password, or security codes.
Common fraud types to watch for
Email Phishing
Fraudsters send emails that appear to come from a trusted source. These messages may direct you to a fake website or prompt you to disclose personal information that can be used to access accounts or steal your identity.
Telephone Phishing
Offenders use phone calls, recorded messages, or spoofed caller ID to make the contact appear legitimate. They may claim your account was locked or affected by fraud and then ask for the information needed to access it.
Text Phishing
Also known as smishing, this fraud begins with a text message that creates urgency and asks you to call a number or click a link. The goal is to collect your account details so the scammer can make fraudulent transactions.
Identity Theft
Identity theft happens when someone uses your personal information to open accounts or initiate transactions in your name. This can happen through stolen wallets, mail theft, rerouted mail, or discarded documents containing sensitive information.
Fake Check Scams
These scams often involve a realistic looking check tied to a sale, work-from-home offer, sweepstakes claim, or money transfer arrangement. The check may appear valid at first, but the funds can later be reversed after you have already sent money back.
Skimming
Skimming occurs when card information is captured through a hidden device attached to an ATM, gas pump, or payment terminal. Criminals then use that data to create counterfeit cards or attempt unauthorized transactions.
Simple ways to reduce your fraud risk
Most scams rely on urgency, confusion, or impersonation. A few consistent habits can go a long way toward reducing your exposure.
Need help or want to report suspicious activity?
If you believe you may have received a fraudulent message or shared sensitive information, contact Campus Credit Union right away so we can help you take the next steps.
Call us at (316) 867-4700 or visit our How to Report Fraud page for additional guidance.
Campus Credit Union Contact Information
Phone: (316) 867-4700
Toll Free: (888) 978-2289
Audio Response: (316) 867-4680
Fraud tactics continue to evolve, but awareness and direct verification remain two of the best tools members have to protect themselves.