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The NIHFCU is dedicated to the safety and security of your accounts. We also recognize that ID theft continues to be an ongoing concern for all consumers. Below is a list of important information and credit union tools to help you both limit your exposure to ID theft and steps to take if you unfortunately fall victim.

Current News/Alerts


How Your Information Is Obtained

Thieves use a variety of illegal techniques to obtain identity information. They may:

  • Take mail from a mailbox
  • Divert mail to another location by filling out a change of address form with the post office
  • Go through trash to find identification and financial documents
  • Access credit reports by posing as landlords or employers
  • Hack into personal computers
  • Pose as legitimate companies or government agencies to request personal information via email (called phishing) or text message (called smishing)
  • Steal hard copy or electronic files from your workplace
  • Stand close to you at the ATM to learn your Personal Identification Number
  • Work at restaurants, gas stations, or other businesses to steal money or information from credit/ATM/debit cards (called skimming)

How Your Information May Be Used

Once identity thieves have your personal information, they may use it to:

  • Charge on existing credit cards
  • Open new credit accounts in your name
  • Takeover your existing accounts
  • Open new checking accounts in your name and write bad checks
  • Establish phone or wireless service in your name
  • Use your debit cards or counterfeit checks to drain your checking account
  • Take out loans to buy cars and other big ticket items


NIHFCU Accounts

Setup Account Alerts to stay updated on your NIHFCU account activity.

  • Receive account alerts by email or text message when specific activity occurs
  • Customize your alerts to notify you of specific transactions, cleared checks and account balances
  • Online Banking users can get started by logging into their account and then selecting "Email and Text Alerts" under the 'Other Services' tab
  • Add a password or phrase to your account to be used when you call in about your account (DIFFERENT TOPIC)

Get our free Mobile App

  • Download our free Mobile App today to check your balances and transactions on the go. Our Mobile App is available for iPhone, Android Phone, iPad, Android tablet and Kindle devices.
  • To download our Mobile App or learn more about mobile and text banking, click here.

Credit Cards and Debit/ATM

Here are some quick tips for plastic card safety:

  • Carry only those cards you really need
  • Keep your card secure at all times
  • Shred all statements and pre-approved credit card offers with a crosscut shredder
  • Opt-out of receiving pre-approved credit offers from lenders you do not trust
  • Cancel unused credit card accounts
  • Be aware of people behind you at the ATM or anywhere else you use your card
  • When you give your credit or debit card to someone for a transaction, watch them swipe it and inspect the receipt for accuracy
  • Know your billing cycles and contact creditor if bills don’t arrive on time
  • Examine the charges on your credit card statements every month


Here are some quick tips for computer safety:

  • Update virus protection software periodically, and after every new virus alert is announced
  • Do not download files or open hyperlinks sent from people you don’t know
  • Use a firewall program to prevent your computer from being accessible to hackers
  • Use a secure browser to guard the security of your online transactions
  • Enter personal and financial information only when there is a “lock” icon on the browser’s status bar and look for the URL to read “https” versus “http”
  • If you must store personal and financial information on your laptop:
    1. Use a strong password – one that is a hard-to-guess combination of upper and lower case letters and numbers
    2. Don’t use an automatic log-in feature
    3. Always log off when you’re finished
  • Before disposing of a computer, delete personal information using a “wipe” utility program to overwrite the entire hard drive.

Checking Accounts

Here are some quick tips for checking account safety:

  • Know where your checkbook is at all times
  • Print firmly and use indelible ink when writing paper checks
  • Review your account often via online banking for any possible fraudulent activity
  • Check your account statement for fraudulent activity
  • Do not give out your checking account number unless you know the company requesting the information and understand why the information is necessary

Personally Identifiable Information

Here are some quick tips for personal identifying information account safety:

  • Keep all identification and financial documents in a safe and private place
  • Provide personal information only when:
    1. You know how it will be used
    2. You are certain it won’t be shared
    3. You initiated contact and know who you’re dealing with
  • Make all passwords hard to guess by using a complex combination of numbers and upper and lower case letters
  • Request a vacation hold if you can’t pick up your mail
  • Deposit outgoing mail in post office collection boxes or at your local post office
  • Remove mail from your mailbox promptly
  • Keep your purse or wallet in a safe place at work
  • Memorize your Social Security number rather than carrying your Social Security card
  • Do not have your Social Security number or driver’s license number printed on your checks
  • Review your Social Security annual statement for accuracy
  • Provide your Social Security number only when necessary and to those you absolutely trust
  • Before revealing your Social Security number, ask:
    1. Why your number is needed
    2. How your number will be used
    3. What happens if you refuse


If you are a victim of identity theft, minimizing damage will take patience and a systematic approach. However, the sooner and more aggressively you deal with the problem, the faster you will see results.

To start, commit yourself to becoming and remaining organized. Since you will be communicating with a lot of people and have many tasks to complete, keep copies of all forms, file paperwork promptly, and store everything in a safe and accessible place.

NIHFCU Account or Card Fraud

  • To report suspected fraud on your NIHFCU accounts, call 800.877.6440 or stop by any branch.
  • To report fraudulent activity on an NIHFCU credit card, call 800.558.3424.
  • To report fraudulent activity on an NIHFCU debit or ATM card, call 800.877.6440 or stop by any branch and complete the Affidavit of Fraudulent Use of a Debit or ATM Card (PDF). To change your PIN at any time, call our automated hotline at 866.985.2273.

Creditors and Financial Institutions

  • If accounts have been used or opened illegally, contact your creditors immediately. Ask for fraudulent transaction documentation. You may use a uniform affidavit form, available on the Federal Trade Commission’s website as you may need it to file a police report. Add “non-guessable” passwords to replacement cards and all existing accounts.
  • If a collection agency attempts to collect on a fraudulent account, explain (in writing) that you are a victim of identity theft and not responsible for the debt. Ask that they confirm in writing that you do not owe the balance and that the account has been closed.
  • For checking account fraud, contact your financial institution to place stop payments on any outstanding checks that you did not write.
  • Report the crime to check reporting agencies. Close current checking and savings accounts and obtain new account numbers and passwords. Monitor all future account statements carefully for evidence of new fraud.

Local and Government Agencies

  • Report the crime and file a police report. Request a copy of the report and keep the phone number of your investigator handy. For additional documentation, you may also report the crime to the Federal Trade Commission.
  • Notify the U.S. Postal Inspection Service if someone has used your address or in other ways committed fraud through the mail.

Credit Reporting Bureaus

  • It is very important that your credit report lists only factual information. To know what is being reported, you will need to obtain a credit report from each of the three major credit bureaus. If you are married, your spouse should also check his or her report.
  1. You can request a free copy of your credit report from each of the major credit bureaus (Equifax, Experian, TransUnion) once a year. Visit annualcreditreport.com.
  • Even if the fraudulent information hasn’t yet appeared on your reports, be proactive and report the crime now. Call any one of the three credit bureaus to place a fraud alert on your credit report. The company you contact will notify the other two, who will then place alerts on their reports as well.
    1. If you have proof that identity theft has occurred and you have filed a police report, you may request that the fraud alert be placed for seven years instead of the initial time frame of 90 – 180 days. While fraud alerts are in effect, no new credit should be granted without your explicit approval.
  • You may also write a victim’s report – a brief statement describing the details of the crime – and send it to all three bureaus to be added to your reports.
  • The first reports with the fraud alert are free and will be sent to you automatically. Check your credit report for accuracy every three months for a year, then at least annually after that.

Credit Monitoring and Protections

If you are especially concerned about the possibility of identity theft, you may consider paying for added protection of monitoring service – but do so only after carefully reading the fine print and weighing the risks against the benefits. Some of these businesses are scams themselves. Research the company’s history and check the Better Business Bureau’s complaint log before signing an agreement.

Credit Monitoring

  • Each of the three major credit bureaus offers a fee-based credit monitoring service. They typically provide regular credit report updates about fraudulent activity, new inquiries, new accounts, late payments, and sudden changes in your credit card balances. These plans often include a specific number of credit reports being mailed to you automatically or at your request, and access to individualized customer services.

Credit Protection

  • Credit protection is offered by private companies and some financial institutions, and the price and service varies considerably. Most will reimburse victims of identity theft for out-of-pocket expenses (up to a certain dollar amount) and help you through the process of contacting creditors, writing affidavits, and filing reports.

Credit/Security Freeze

Placing a credit freeze on your credit report helps block fraudsters from opening new accounts in your name by restricting access to your credit files. You will need to contact each credit bureau and fees may apply.

phone & tablet icons  ADDITIONAL RESOURCES

Credit Reporting Bureaus/Accessing Credit Reports

  • Equifax
    1. To order a credit report call: 800.685.1111
      To report fraud call: 888.766.0008
      Equifax Credit Information Services, Inc.
      P.O. Box 740241, Atlanta, GA 30074
  • Experian
    1. To order a credit report and report fraud, call: 888.397.3742
      Experian, P.O. Box 2104, Allen, TX 75013-2104
  • TransUnion
    1. To order credit report call: 800.888.4213
      To report fraud call: 800.680.7289
      TransUnion, 2 Baldwin Pl, P.O. Box 2000, Chester, PA 19022
  • Annual Credit Report Request Service
    1. To order a credit report call: 877.322.8228
      Annual Credit Report Request Service,
      P.O. Box 105281, Atlanta, GA 30348-5281

In addition to reporting checking account fraud to your financial institution, you can report it to these agencies that monitor checking account transactions:

  • ChexSystems
    1. 800.428.9623
      Chex Systems, Inc., Attn: Consumer Relations,
      7805 Hudson Rd Ste 100, Woodbury, MN 55125
  • TeleCheck
    1. 800.710.9898
      TeleCheck Services, Inc., Attn: Forgery Department,
      P.O. Box 4451, Houston, TX 77210

Government Agencies

  • U.S. Federal Trade Commission (FTC)
    1. The FTC oversees the operation of credit bureaus and maintains a database of identity theft cases used by law enforcement agencies for investigations.
      Consumer Response Center: (877) ID-THEFT, or online at www.ftc.gov
      ID Theft hotline: 877.438.4338, or online at www.ftc.gov/idtheft
  • U.S. Postal Inspection Service
    1. Call the U.S. Post Offce to obtain the phone number of the nearest postal inspector: 877.876.2455
      Criminal Investigations Service Center, Attn: Mail Fraud, 222 S Riverside Plaza Ste 1250, Chicago, IL 60606


Balance Financial Fitness

  • Click here for a wide range of identity theft educational material for NIHFCU members including downloadable booklets, articles, podcasts, and more.

To opt out of receiving pre-approved credit offers:

To get information from the FTC on recent scams and to sign up for scam alerts from the FTC: