Account verification - protecting you is our top priority! 

To verify suspicious transactions on FCU Visa® debit or credit cards, FCU sends text messages and places outbound phone calls. Members may be prompted to confirm transactions or additional information.

  • FCU verification texts (sent from 23618) – will reference the last four digits of a member's FCU Visa® debit or credit card.
  • FCU verification calls (made from 833-978-3929) – calls may be from a live agent or a system generated message. 

When in doubt whether or not a text or call is from FCU, please don’t hesitate to contact us directly at 800-284-1144.

Learn how to look for the many different forms of fraud

Sadly, a lot of people are trying to separate you from the hard-earned money in your accounts. They use fraudulent emails, phone calls, text messages and even paper mail to try to trick you into revealing account details. A little education can greatly reduce your risk. At Florida Credit Union, we offer ID theft and fraud protection education and services aimed at safeguarding our members.

How to Avoid Scams & Fraud

Fraud and identity theft experts attempt to steal your account and personal information in a variety of ways. They include:

  • Asking you to follow questionable links in an email
  • Asking you to send personal information in order to claim a gift or winnings from lotteries or competitions you didn’t enter
  • Posing as a company that has frozen your banking accounts and credit cards and needs your information to reactivate them
  • Asking you to deposit checks in exchange for future payment
  • Using your tax information to commit tax refund fraud.

According to the Federal Trade Commission, there are over 15,000 cases of identity theft in Florida every year. The most common forms are:

  • Using or opening a credit card account fraudulently
  • Opening cell phone or utility accounts fraudulently
  • Passing bad checks or opening a new bank account
  • Getting loans in another person’s name
  • Working in another person’s name

Once your know how scammers operate, there are things you can to protect your accounts.

  • Never give out any personal information, PINs, or credit card information to anyone.
  • Florida Credit Union will never ask you to prove who you are through texts, email, or phone calls. Should anyone ask for personal data, contact us at
  • Frequently monitor your personal banking or business banking accounts via our free online banking services or through the FCU mobile app.
  • If you see any purchases you didn’t make, please contact FCU at 800-248-1144 or visit your local branch.
  • For more information on the latest scams, visit the Federal Trade Commission Scam Alerts page or FCU’s banking and fraud alerts page.

Security Alert 1/12/2023

A fradulent ad is running in Google encouraging Florida Credit Union members to enter their login credentials.  Please do not login using this link! We are working to address this issue. Your financial security is our top priority.


Security Alert 1/19/2021

Please be advised of a recent scam targeting credit union members through texting. This scam attempts to defeat 2-step authentication using one-time passcodes.

How the scam works:

  • Fraudsters send text alerts to members appearing to come from the credit union, warning members of suspicious debit card transactions.
  • Fraudsters then call members who respond to the text by spoofing the credit union's phone number and claiming to be from the credit union's fraud department.
  • To verify the member's identity, the fraudster asks for the member's online banking username and tells them they will receive a passcode via text or email and the member must provide it to the fraudster. The fraudster initiates the forgot passcode feature using the member's username and generates a 2-step authentication passcode which is sent to the member.
  • The member provides the passcode prompted by the fraudster to the fraudster who uses it to access the member's account through a device not recognized by the host system.
  • After logging into the accounts, fraudsters can change the online banking passcodes and use person-to-person payments to transfer the funds to others.

Although Florida Credit Union continuously monitors for suspicious activity, we recommend taking precautionary measures to protect yourself:

  • Florida Credit Union will never text, call or email asking you for your login information for online or mobile banking, or for any passcodes. Please do not provide this sensitive information to anyone.
  • Be wary of texts or calls appearing to come from us. If you receive a questionable text purporting to be from Florida Credit Union, please call us directly at 800-284-1144. Should anyone ask you for questionable data, you may also email us at

Security Alert 1/30/2020

Each year, the IRS releases a list of the most common tax scams, called the “dirty dozen”. You can visit for the full list, but in the meantime, check out a few scams that make the list year after year:

Phishing: The IRS will never contact you by electronic communication channels, like social media, text messages or email to request personal information. Even if there were problems with your tax filing, the IRS still uses formal letters and a secure website.

Phone Scams: The IRS has seen a surge of phone calls from criminals impersonating IRS agents in recent years. Con artists threaten taxpayers with arrest, deportation and license revocation, among other things. Again, the IRS will not use these methods.

Inflated Refund Claims: Taxpayers should be weary of anyone promising inflated refunds. Preparers who ask clients to sign a blank return, promise a big refund before looking at taxpayer records or charge fees based on a percentage of the refund are probably up to no good.

Identity Theft Refund Fraud: This type of fraud happens when a scammer uses your identity and personal information to file and claim your tax return before you do, stealing your hard-earned money. Avoid keeping important documents like social security cards in easy to access places and be very careful when sharing personal information online.

Think you may be a victim of tax fraud? Contact the IRS immediately and provide all pertinent information.

Visit the eFraud Prevention tab on the Florida Credit Union Facebook page for more information about tax scams, how to prevent them and how to report them.

Have questions about other types of fraud? Browse our full eFraud Prevention library for more information and resources on a broad range of topics to help you stay vigilant and informed.

Security Alert 5/6/2019

We would like to remind you that Florida Credit Union will not ask for your card information or your login information for online banking or mobile banking. If someone asks you for this information, do not give it to them. Be aware of fraudsters trying to pose as legitimate businesses.
If you get any of these calls, emails or texts purporting to be Florida Credit Union, do not hesitate to contact us in our call center or send information to the email address Your assistance helps warn and protect other members! Please remember, FCU will NEVER text, call or email you asking for your member information.

From computer activity to text messaging to travel-related incidents, fraud can come in many forms. However, there are also precautionary measures you can take. To help protect you, Florida Credit Union has compiled a collection of resources to keep you in the know when it comes to security threats. Learn more about eFraud Prevention.

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