Fraud Center - Hoosier Hills Credit Union

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Your Security Matters to Us

You’ve worked hard for what you have and you shouldn’t have to worry about losing it to fraud, identity theft or unauthorized card and account use.

As your Credit Union, we take a number of measures to ensure the continuing safety of your accounts. Learn more about steps you can take to prevent fraud occurring on your accounts.

How HHCU Helps Fight Fraud for You

You’re not alone in the fight against fraud. Hoosier Hills Credit Union is your crime fighting partner. Learn about the security already in place to protect you and your accounts.

Identity Theft

Identity Theft represents a big payoff for criminals. Learn how you can guard against being a target.

Phone, Email and Social Schemes

Learn about some of the more common phone, email and social media schemes that criminals use to try to gain access to your accounts. Although there are limitless variations on the same theme, most ploys have details in common that you can spot, if you’re prepared.

Card and Account Fraud

Debit and credit cards are a common target for thieves, but there are many ways you can fight back. Learn how to add layers of security to the cards you depend on.

ID Protect^®

Would you like some additional protection in the fight against Identity Theft? Members can subscribe to ID Protect^® for additional monitoring support.

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Never disclose your PIN or login credentials. Hoosier Hills Credit Union will never ask you for this personal information.
Inspect credit card machines and ATMs for anything that looks suspicious. Some criminals use a device insert called a “skimmer” to collect information.
When using your debit card at places such as gas pumps, choose the credit option, rather than debit. If a criminal has installed a skimmer and a camera to record PIN numbers, you’ve increased safety by avoiding entering your number.
Use the free CardValet app offered through Hoosier Hills Credit Union. CardValet allows you to set limits and turn your cards off and on from your smartphone.
For your HHCU Debit Card, you can also sign up for Mastercard Identity Theft Protection^™ for no additional charge. Once you register for this service, you can get Identity Theft Alerts, and Emergency Wallet Replacement.
If you have an HHCU Credit Card, you can register for the Verified by Visa Service. This adds a passcode of your choosing to online purchase for an additional layer of security.

To report your HHCU credit or debit card as lost or stolen call us at 800.865.2612 during regular business hours, or at 800.472.3272 after hours.

Read account statements carefully and often to ensure you recognize charges. You can even set up automatic alerts for your Hoosier Hills accounts so that you know when transactions and balances reach a dollar amount set by you.
Protect your Social Security number. Keep your card in a place safe from theft and prying eyes.
Watch your credit report for unfamiliar accounts.

If you believe you may be a victim of identity theft you can report it and seek additional help at https://www.identitytheft.gov/Assistant.

Additional protection from identity theft and fraud optionally added to HHCU Membership for only $4.95 per month. Coverage is provided by ID Protect.

At Hoosier Hills Credit Union you can rest easy knowing that IDProtect, our identity theft monitoring and resolution service, can help better protect you and your family’s identities¹:

Identity Theft Expense Reimbursement Coverage²

Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.

Total Identity Monitoring*

Monitoring of more than 1,000 databases and public records to identify suspicious activity, including credit header information, phone records, United States Postal Service records, and more. A risk rating is generated with each monthly scan and if your scan reflects a high-risk score, you will be notified.

Comprehensive Identity Theft Resolution Services

Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.

3-in-1 Credit File Monitoring^*³

IDProtect will monitor your Equifax, Experian and TransUnion credit files daily, and automatically alert you if key changes occur.

Additional Features:

Online Identity Theft News Center and Valuable Phone and Web Resources*
Debit and Credit Card Registration* – Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen.
3-in-1 Credit Report – Request an updated credit report every 90 days or upon receipt of alert
Credit Score^*3 – receive a new single bureau credit score with every new credit report.

Enroll in ID Protect

¹ IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. Service is not available to a “signer” on the account who is not an account owner. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

³Credit file monitoring may take several days to begin following activation. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness

* Some benefits require registration and activation. For complete details of this checking account, speak with a Hoosier Hills Credit Union representative.

Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.