Feel Secure with Workers Credit Union

Our fraud watch is on duty 24/7 to put your mind at ease and help protect you from potential fraud.

 Home Fraud Prevention

If you suspect debit card fraud

Report fraud immediately. Contact our Member Information Center at 800-221-4020 and follow the steps below.

  • To dispute a debit card charge fill out a Debit Card Fraud Affidavit and fax to 978-353-4290 labeled ATTN: Debit Department or schedule an appointment at your local branch.
  • To report a lost or stolen debit card call Fraud Prevention at 833-337-6075
  • To receive a new debit card after reporting it as lost or stolen, contact our Member Information Center at 800-221-4020 or visit your local branch.

If you suspect checking fraud

Report fraud immediately. Contact our Member Information Center at 800-221-4020 and follow the steps below.

  • To dispute an ACH transaction on your checking account, fill out an Unauthorized ACH Transaction form and fax to 978-353-4200 labeled ATTN: ACH Department or schedule an appointment at your local branch.
  • Before submitting this form, you must first contact the merchant directly to dispute the transaction.
  • If unsuccessful, send us the form with a signed letter of dispute.

If you suspect credit card fraud

Report fraud immediately. Follow the steps below.

Fraud Prevention Alerts

Phone Call Alert

You may receive a phone call from our fraud watch team, please call them at 877-273-5740 to confirm a purchase.

Text Alert

You may receive a text alert from Workers Credit Union Fraud Center asking to confirm a purchase.

Email Alert

You may receive an email to verify recent transactions. You will not be required to click any links.

How to Avoid Texting Scams


It’s Thursday afternoon and a text comes in from a number you don’t recognize: “Hey is this Charles? It’s Amanda. We chatted when I was visiting but we never met in person. I’m in town if you are free this weekend.” You may be tempted to reply and tell them they have the wrong number or maybe you’re adventurous and are interested to see where this goes. Resist the impulse to respond, this is a scam.

Smishing, or SMS (Short Message Service) Phishing, is a scam done via text message. Like the example above, hackers will likely address you with a name to try to make it more personal (“Hey, is this Charles?”) and even if they don’t get the name right, it’s step one in attempts to start a conversation. They may also send photos to further “prove” that they are a real person. The ultimate goal? Gain your trust and acquire your personal information. Don’t fall for their tricks, simply delete the message without replying and block the number.

Another form of smishing is a “bill reminder” or “shipment confirmation” accompanied with a link. With the high frequency of online bill pay and online ordering, it’s not too far-fetched for a scammer to try this tactic. By clicking on the link you open up your phone to possible viruses or entry points allowing the scammer to access your phone and all of its information, including passwords to apps and accounts. If you have not opted into receiving text message notifications regarding your accounts or it comes in unexpectedly, delete the text and block the number.

It’s not just links that you should be skeptical about, some scammers include a phone number to call. Speaking with a live person often feels more secure, however, the phone number could go straight to a criminal posing as a company representative. Always verify the phone number before calling by checking a recent billing statement or going to the official company website. Even if the number looks legitimate, don’t just tap the phone number link to call it. Scammers can display an accurate number within the text, but once you tap the link, they can route it to any number they want. And if the text does not include a company name at all, it’s most likely a scam. Immediately delete it and block the number.

Other smishing examples:

• You’ve won a $100 Walmart gift card! Click here to claim.
• Your Apple account has fraudulent activity. Click this link to change your password.
• The IRS is filing a lawsuit against you. Call this number or a warrant will be put out for your arrest.

Do your due diligence. Ask yourself if it makes sense that you are receiving this text. Review for the red flags we mentioned above and always do some research before interacting. If it doesn’t add up, delete!

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Card Security

Even Safer Transactions

Use the CardValet® app to manage your card security and contact us to register your debit card for Mastercard SecureCode, a security PIN to make purchasing online with your card even safer.

Explore CardValet® Contact Us to Register for Mastercard Secure Code

Feel Confident When Making Money Decisions

As a member, you have access to a Workers WayTM Financial Coach who will help you create a personalized plan to take control of your day-to-day spending.

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