Fraud Information

TCT will never solicit confidential information from our members.  We already have this information, so there is no need to contact you and ask you for it.  If you are contacted and someone is asking about your TCT account information, it is probably a scam.  Please do not provide your TCT information to anyone.  If you have a question call us at toll free at 1-800-721-8288. 


“Smishing” Scammers Turn to Text Messaging
Recently, fraudsters have been sending text messages to credit union members in an attempt to get account information. Because wireless devices use Short Messaging Service (SMS) to send text messages, this form of scamming is called “Smishing.”

The scammers send out a text message to credit union members saying that their debit card has been locked. The message instructs them to call a number that has been provided because their debit card has been locked.

Unsuspecting callers who dial the number will reach an automated voicemail system that prompts them to enter personal information such as credit or debit card numbers, PINs, and account information. Remember, TCT FCU will never send you an unsolicited text message. If you receive a text message prompting you to enter account information, do not disclose any personal information!

To be safe, take the following precautions:

·         Never display your wireless number on a public Website, chat room, or membership directory. If a con artist is unable to get your phone number in the first place, you can avoid a situation where they could gain access to your account information.

·         All text message solicitations are required to provide you ample opportunity to opt-out of receiving messages in the future. Be sure to opt-out if you don’t want to receive text messages from a company.

·         Check a Website’s privacy policy before providing your cell phone number, or any information for that matter!

·         Report suspicious behavior. With identity theft on the rise, it’s important to take every precaution necessary to keep your identity safe. Finding scammers after they have stolen your identity can be difficult, so prevention is the best defense. If you receive a suspicious text message, report it to your cell phone provider and TCT FCU immediately!



Don't Become a TARGET

An official-looking envelope arrieves in the mail with a check or money order for $20,000 inside.  The letter says you have won $4 million in a sweepstakes or lottery.  You just need to wire $3,000 for taxes to claim the rest of your winnings.  Is this your lucky day???  NO!!  Its a fake check scam that will cost you thousands.

Use the links below for additional information on Fake Check Scams.


Where can you learn more???



* Links will open as Adobe PDF documents

**External websites, you will be leaving TCT's website;

**TCT is not responsible for the content of the external website;

**TCT does not represent either the third party or the member if the two enter into a transaction; and

**Privacy and security policies may differ from those practiced by the credit union.