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 EZ Card VISA®


ScoreCard Rewards for VISA® Credit Cards

UTELFCU is your exclusive home-town financial institution!


Family Membership is encouraged!
















Federally insured by NCUA

UTELFCU complies with the Federal Fair Housing Act

Some of the methods scammers can trick you:

  • UTELFCU will NEVER tell you via phone, text, or email that your debit or credit card has been "deactivated" and for you to call a phone number or link to a website to re-activate it.  These scams are looking for you to enter your 16 digit card number, PIN and CVV2/CVC2 code on the back of the card.  However, credit union staff WILL call you if we are informed your card was used at a merchant that had an payment system breach.  The credit union also uses a service for real-time fraud detection which is called Falcon for our credit and debit card programs.
  • EMAIL PHISHING is an email message that asks you to click on a link, which then takes you to a website and then asks you to enter your card information. If you receive unsolicited or unfamiliar email requests you should either delete them immediately or confirm through other means that the email is legitimate before opening it. If you receive such an email request, do not open it, do not click on its links, do not open its attachments, and do not reply or forward it.
  • LAND LINE TELEPHONE “VISHING” Vishing, (Voice phISHING) is the voice counterpart to phishing. Rather than being directed by e-mail to a Web site, an e-mail message asks the user to make a telephone call. The call triggers a voice response system that asks for the user's card number or other personal or financial information. The initial bait can also be a telephone call with a recording that instructs the user to phone an 800 number or another area code within or outside of the United States. Because people are used to entering card numbers over the phone, this technique can be effective.
  • TEXT MESSAGE “SMISHING” Smishing (SMS phISHING) is the mobile phone counterpart to phishing. Rather than being directed by e-mail to a Web site, a text message is sent to the user's cell phone or other mobile device with some ploy to click on a link. The link causes a Trojan to be installed in the cell phone or other mobile device.

The Credit Union will NEVER ask you for personal information via text message, email or unsolicited phone calls.  If you have any doubt about who is on the phone, hang up and call the credit union directly or the toll-free number on your credit or debit card.  Toll-free numbers can also be found on your credit card statement.  Never open an unsolicited email or text message.  Monitor your accounts on a regular basis.  If you have not signed up for online banking, now is a perfect time.  Immediately report any suspicious activity  or phishing attempts to us as soon as possible so we can alert the proper authorities.

The Federal Bureau of Investigation (FBI) would like you to know more about some of the scam techniques that are currently trending.  Learn more.

Thousands of people lose money to phone scams.  The Federal Trade Commission (FTC) would like you to know how these scams work.  Learn more.

Charity scams are also on the rise in New York and other States. The New York State Department of Financial Services would line to share tips on how to avoid becoming a victim.  Learn more.

America Association of Retired Persons (AARP), Fraud Watch Network,  has written The Con Artist's Playbook.  The Psychology Behind ID Theft, Fraud and Scams.  Learn more.