Security Center

What To Do if You Suspect Fraud 


Immediate Action Required  

If you notice any unauthorized transactions on your Arbor Financial account, contact us without delay at 269.375.6702 or visit your nearest branch. 


Securing Your Accounts  

Our team will work closely with you to review and secure your accounts and resolve any issues that may arise. Please report any suspected fraud as soon as possible.

What To Do if You Become a Victim of Identity Theft

If you suspect you may have fallen victim to identity theft, you should immediately:


Call Arbor Financial Credit Union at 269.375.6702 and ask for Membership Services.


Visit is a website operated by the Federal Trade Commission. By contacting the FTC at, you can submit a report to the FTC and start building an action plan to recover your identity. 

You can also contact them at 877.438.4338


Contact the three major credit bureaus and request a fraud alert be placed on your credit report.

Equifax: 800.525.6285
Experian: 888.397.3742
TransUnion: 800.680.7289


Keeping Peace of Mind a Top Priority

Security Center Navigation

Your Sensitive Information

Be suspicious if you are contacted for account information. Arbor Financial Credit Union, and our business partners, will never initiate a request for sensitive information via phone, email, or text message. This information includes, but is not limited to:

  • Social security number
  • Passwords
  • Secure access codes
  • Account number
  • Member number
  • PIN numbers
  • Credit or debit card number

Contact Arbor Financial Credit Union directly at 269.375.6702 if you have any questions or concerns.

woman suspicious on phone

Stay In-The-Know

Types of Fraud & Scams

Fraud Prevention

Fraudsters are using several different sophisticated tactics to target and scam victims, so it is vital to stay alert. Here are a couple of tips to get you started:

  • Monitor your account activity regularly for any unusual activity.
  • Sign up for real-time account alerts via email, text, online banking, or pushed through our mobile banking app.
  • Never share your bank account, credit card, or Social Security information with anyone who contacts you over the phone. If someone requests remote access to your computer or phone, hang up.
  • If something doesn’t seem right, end all communication. Fraudsters want you to make an impulsive decision, so be sure to do your research if you’re unsure of the legitimacy of communication.
  • Never open unexpected attachments or links in emails and texts.
  • Be cautious when making online transactions or with unknown third parties.

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Protect Yourself Against ATM Skimmers

A skimming device is a small, covert electronic device designed to capture data from the magnetic stripe of a credit or debit card when it is swiped or inserted into a card reader. Skimming devices are typically used by criminals to steal card information and, in some cases, PINs. Here's how skimming devices work:

  1. Attachment: Criminals often attach skimming devices over or inside legitimate card readers, such as those found on ATMs, gas station pumps, point-of-sale terminals, or even handheld card readers used by cashiers. The skimming device is designed to blend in with the genuine card reader, making it difficult for users to detect.
  2. Data Capture: When a card is swiped or inserted into the compromised card reader, the skimming device captures the card's data from the magnetic stripe. This data typically includes the card number, expiration date, and sometimes the cardholder's name.
  3. PIN Capture: In some cases, criminals may also install hidden cameras or PIN-capturing overlays on the ATM or keypad to record the user entering their PIN. This allows them to pair the stolen card data with the associated PIN for unauthorized access to the victim's account.
  4. Data Retrieval: Criminals periodically return to the compromised machine to retrieve the skimming device and collect the stolen card data. They may use Bluetooth or other wireless technologies to transmit the data remotely, reducing the risk of being caught during retrieval.
  5. Fraudulent Activity: With the stolen card data and potentially the associated PIN, criminals can create counterfeit cards or make unauthorized transactions, leading to financial losses for the cardholder.

To protect yourself from skimming devices, it's essential to be vigilant when using card readers, such as inspecting card readers for signs of tampering, using secure ATMs, and regularly monitoring your accounts for unauthorized transactions. These measures can help you detect and prevent skimmer fraud.

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Enroll in ID Protect Today

Now you can fight back. For just $3 a month, Arbor Financial is offering families 24/7 protection through ID Protect and Total Identity Monitoring, including access to a fraud specialist, debit and credit card registration, continuous monitoring of over 1,000 databases, and more!

Learn More about ID Protect

Zelle® Center

Only send money to people you know and trust

Money moves fast with Zelle®. Directly from bank accounts to bank account within minutes*. So, it's important you know and trust the people you're sending money to. You can't cancel a payment once it's been sent if the recipient is already enrolled with Zelle, so it's important to get it right the first time.

Learn more about Zelle


Beware of payment scams

If you send money to someone you don't know for a product or service you might not receive (like paying for something in advance), you may not get your money back.

Treat Zelle like cash

Money moves fast - directly into the enrolled recipient's bank account. Make sure you're sending to the right person by confirming the last name displayed is that of your recipient.

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Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Must have a bank account in the US to use Zelle. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile phone number are already enrolled with Zelle.