Security Center

Report Fraud Contact Us

Stay in the know. Stay in control.

If you suspect fraud activity, please contact our Fraud Detection Services outlined below. 

MECU will never ask for any personal information in an email or text message. We will only ask you to provide this information to verify your identity when you call us directly.

Where should you report fraud?

Domestic Calls
International Calls
MECU Visa® Debit Card
MECU Visa® Credit Card
Lost/Stolen MECU Visa® Debit or Credit Card
Identitiy Theft and Other Fraud  

What number does MECU use to send SMS fraud alerts?

  • MECU SMS Fraud Alerts are free and will come from 919-37. Please save this number in your contacts with a name you will recognize for future alerts.
  • We recommend "MECU Fraud Alerts." The fraud alert messages sent from this number will also be labeled with MECU Credit Union's name.


SMS Response Options

  • A "Y" response confirms the purchase(s) and no further action is required.
  • An "N" response denies the purchase(s). Your card will be  blocked until you call Fraud Detection.

Don’t become a victim of "reverse" instant payments

Cybercriminals are targeting victims by sending text messages with what appear to be credit union fraud alerts asking if the customer initiated an instant money transfer using digital payment applications (apps). Once the victim responds to the alert, the cybercriminal then calls from a number which appears to match the financial institution's legitimate 1-800 support number. Under the pretext of reversing the fake money transfer, victims are swindled into sending payment to bank accounts under the control of the cyber actors. The payment amount and financial institution name changes from victim to victim. If the customer replies "No," a follow-up message is sent.

The above is a scam SMS message made to imitate MECU Credit Union. Please, remain vigilant and do not fall victim to cybercriminals.

Remember, MECU SMS Fraud Alerts come from 919-37.


Technology is the favorite tool of many identity thieves

Nearly nine million Americans have their identity stolen each year, the federal government estimates. It pays to educate yourself on how these crimes occur so you can take steps to prevent them.

How do identity thieves operate?

Criminals can install stealth software on your computer that lets them steal your identity and do other damage. (Learn what spyware is, how to tell if it's on your computer, get rid of it, and avoid it altogether.) 
Criminals sometimes use malware – including viruses – to get into your computer, steal information, send spam, and commit fraud. (Learn the signs of malware and how to get rid of it.)
Phishers pretend to be financial institutions or legitimate companies and send spam emails or pop-up messages to get you to reveal your personal information.
Scammers pretend to be legitimate businesses or government agencies when they contact financial institutions or other organizations to get your financial information.
Skimmers insert illegal electronic devices into ATMs or electronic payment terminals in order to steal debit and credit card numbers.
Lawbreakers rummage through trash, looking for bills or other papers with personal and financial information.
People divert your billing statements to another location by completing a U.S. Postal Service change-of-address form.
Criminals steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They also take personnel records or bribe employees who have access.

If you've fallen victim to identity theft, you're not alone

Recovering your identity after it's been stolen can be an overwhelming process, but we're here for you. Your first step is to visit Here you will begin the process of reporting and developing a recovering plan.