Fraud Prevention FAQ

St. Cloud Financial Credit Union is dedicated to the security of our members and preventing the unintended exposure of private or sensitive information.

Your safety is of top priority to SCFCU, and we have gathered some information, tips and resources for our members to use to explore the ways to keep your information safe and secure.

What SCFCU will NEVER call you to request

SCFCU will never call you to request the following:

  • Your account information
  • Online banking credentials (Username and/or password)
  • Full social security number (SSN)
  • Your personal information such as address, email address, or other individuals on your account
  • Your personal credit/debit card numbers or PIN

    • How to prevent fraud and keep information safe

    Stay safe and keep your information secure with these tips:

  • Don’t rely on caller ID
  • Never give out your personal, private and sensitive information to any unknown caller
  • Watch out for a false sense of urgency
  • Avoid clicking on suspicious links
  • Watch out for scare tactics
  • Never open attachments from unknown individuals
  • Hang up if you think the person calling you sounds suspicious
  • Think before you click

    • Fraud red flags and warning signs


    Red Flags of Fraud Warning signs of fraud

    Reporting fraud or suspicious activity

    If you believe you are a victim of fraud or have experienced suspicious activity, follow the steps below:



    How to control your credit and debit cards

    Members have the ability to report lost, stolen or damaged cards and the system will generate new cards for them. In the event of lost/stolen where they had transactions they did not perform, they will still need to contact Card Services to dispute those charges. As you can see from the screenshot below, the options provide notice of what will result when taking each action.

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    Block the card

  • This allows a member to block the card entirely. Example: I don’t use my debit card for anything other than at an ATM. I keep my card blocked until I am ready to run an ATM transaction. I log into the mobile app a minute prior to the transaction and unblock the card and as soon as I’m done put the block back on. These features are live time (depending on cell service).



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    Set card alerts

  • Members can set up alerts where specific transactions will email, text or both.
  • This can be set up by geographic location, transaction limits, Transaction type or merchant type.
  • They can also set it up to alert for all activity


    Set card controls

  • Members can set controls on their card that any activity specific to that control will deny the charge. This is a great feature to keep their card safe from activity they do not normally do.
  • Members can set up multiple geographical regions for “in person” transactions. This will decline transactions outside of where they normally perform “in person” transactions.
  • This can also be set up by transaction limits, Transaction type or merchant type.
    • Members have recently come in to talk about ways to monitor holiday spending. Both alerts and controls are great ways to help notify or limit spending as needed based on their budgets.



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    • If you have any other questions or concerns, please give us a call at 320-252-2634 or visit us at your local SCFCU branch.