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Fraud & Identity Theft Prevention

We can help prevent damage—and help you reclaim your good name.

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Or call 1-800-621-2105

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Elements Helps Protect You

Be careful and you can help prevent fraud.

We value the trust you place in us to be your credit union partner for life. And we want to make every effort to raise awareness of scams and fraud that can put you, your friends, and family at risk. Elements continually takes active measures in all activities to protect your accounts from scams or fraud, however, you play an important role in the protection of your accounts.

If you receive a telephone call or a text message that claims to be from Elements, you must NEVER PROVIDE YOUR SECURE ACCESS CODES, PASSWORDS, USER IDs, FULL DEBIT OR CREDIT CARD NUMBERS, OR PINs — even if the caller ID, text, or email shows "Elements Financial" as the sender. This is a tactic called "spoofing." We will never call you to ask for this information.

Learn More about how Elements Helps Protect You from Fraud
Or call 1-800-621-2105

Debit, Credit, and Cash Card Fraud Alerts

Near Real Time Fraud Alerts for Your Convenience

We offer near real time fraud alerts for our Elements debit, credit, and cash cards. With a quick text alert, you can help prevent fraudulent transactions from occurring on your cards.

The service is free, and your card is automatically enrolled!

 

How It Works

  • A text, email, or phone call will be sent when there is a suspicious transaction identified on your account. The primary cardholder will be notified of the suspicious activity.
  • Simply reply to confirm whether or not you recognize the transaction(s).
  • If you let us know that you do not recognize the transaction(s), we will block usage of your card until we hear from you.
  • If you reply that you recognize the transaction(s), your card will remain available for use.
  • If you would like to opt out of this service, just reply STOP to the text alert, or call us at 800-621-2105.

Card Control App

Instantly control when, where and how your Elements credit and debit cards are used.
  • Turn your credit and debit cards off within seconds if they’re lost or stolen
  • Prevent fraudulent activity by setting controls on transaction types, location, and merchant types where your card can be used
  • Get real-time alerts when types of transactions you specify take place

Learn More about the Card Control App Read Advice ArticleGet Quick Advice about Card Control

How to Pay it Safe with Zelle®

Zelle® is a fast, safe and easy way to send money to friends and family.

Zelle® is similar to cash. So you want to make sure you use it to pay only people you know and trust, like your roommate, your dad, or your babysitter.1 Not people you don't know, like that stranger on the internet selling suspiciously inexpensive puppies from a place you've never heard of. Look for Zelle® in your mobile banking app, and pay it safe out there.

How to Spot a "Pay Yourself" Scam

The "Pay Yourself Scam" begins with a text message from a scammer that looks like a fraud alert from your financial institution. If you respond to the text message and engage the scammer, you’ll receive a call from a number that appears to be your credit union or bank. The scammer pretends to be an official representative and offers to stop the alleged fraud. In reality, the scammer is actually tricking you into sending money to their own bank account.

Remember, Elements will never ask you to send money to yourself.
If you detect suspicious activity, hang up and contact us directly at the number listed on the back of your debit card, through your mobile app, or here on our website.

It's important to keep an eye out for new variations of this scam.
Instead of asking you to send money to your own email address or phone number, the fraudster may ask you to send money to an email address that they provide.

No legitimate financial institution will ask you to send money via Zelle® to any account, so any form of this request is likely a scam.

Read our Advice Article about Zelle® Learn More about Zelle®

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Other Services from Elements
  1. 1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.

    Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

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