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元素 Helps Protect You

元素 will never ask you for your personal information when calling you.

Contact Us with Questions Learn 更多的 about Online Security

或打电话 1-800-621-2105

元素 Helps Protect You

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 your family at risk. 元素 continually takes active measures in all activities to protect your accounts from scams or fraud, 然而, every member also plays a key role in the protection of one’s own accounts.

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

You might receive calls, 文本, and/or emails from an automated system when we detect suspicious activity on your accounts. These calls are intended to confirm whether the transaction(s) are legitimate so appropriate measures can be taken if they are not.

When in doubt about any communication from 元素, please pause and call our 24/7 Contact Center to inquire about the matter: 800-621-2105.

元素 will never ask you for this information when calling you.

  • Online Banking Passwords or User IDs
  • Online Banking Secure Access Code or One-Time Passcode
  • 个人 Identification Number (PIN) for your 借记 or credit 卡片
  • Full 16 digits of your 借记 or credit card number (If you contact us first, we may ask you to verify the last four digits.)
  • Social Security Number (If you contact us first, we may ask you to verify.)
  • Member Number (If you contact us first, we may ask you to verify.)

What can I do to prevent fraud?

Steps You Can Take to Prevent 欺诈

  • Do not trust caller ID. 欺诈sters can spoof phone numbers including 元素' 800-621-2105 and 317-276-2105 telephone numbers to make it look like we’re calling you. If you receive what feels like a questionable call with our caller ID, hang up and call us back directly. You can always call us 24/7.
  • Be suspicious and never provide your secure information. Do not provide your Online Banking password, user ID, or secure access code. Do not provide your 借记 or credit card numbers, or PIN to ANYONE. 元素 will never ask you for this information.
  • Use account alerts for credit借记, and cash 卡片. 我们提供 附近 real-time fraud alerts for our 元素 credit, 借记, and cash 卡片. With a quick text alert, you can help prevent fraudulent transactions from occurring on your 卡片. A text message will be sent to your mobile device when there is a suspicious transaction identified on your account. Simply reply to confirm whether or not you recognize the transaction(s). We do not include links or ask for additional information in these 文本. If you get a text message with a link that appears to be from 元素, do not click on it or provide any additional information. Reach out to 元素 directly and let us know about the text message. 
  • Control your 借记 card with Card Control. You can create custom real-time alerts for your 借记 card transactions and even restrict your card if it is lost or stolen. Download the Card Control app within our 元素 mobile app by selecting Card Control from the app menu or by visiting the 苹果 or Google Play store directly if you already have the mobile banking app.
  • Secure your online banking username and password. If your Online Banking User ID or password is your name, member number, email address, or other easily identifiable information, please change it immediately. You can change this in online banking or the mobile app within Settings. Read more tips on our Online Security 页面.
  • Contact us with questions. If something sounds too good to be true, or if someone wants you to take action urgently, please STOP, 认为, and CONTACT US.

What steps is 元素 taking to prevent fraud?

Steps 元素 is Taking to Prevent 欺诈

  • We'll confirm who you are. If you call us, we may take extra steps to confirm your identity. 经常, a fraudster already knows a lot about you, including your birth date and social security number. As such, we do not rely on that information alone to identify you. We may ask for other information we have on record to confirm that it's really you. Please be patient with this process.
  • We use fraud detection practices. We review and adjust fraud detection settings on card purchases to further protect you against unauthorized transactions. Our team and state of the art fraud detection systems are monitoring your account 24/7. We will contact you if any transactions raise concerns.
  • We'll never ask for your full card number. Our card services or fraud departments may ask you for the last 4 digits of your card if you contact us first, but will NOT ask for the full 16 digits. We will NEVER ask you for a PIN or the CVV digits from the back of the card.

Contact Us with Questions

This information is not intended to alarm you, but we believe it is important to remind our members to use precautions to protect your accounts and equip you with information on what 元素 will and won't do when communicating with you.

Passwords and PINs are intended to limit access to your accounts and belong exclusively to the individual member. It's your responsibility to protect this information.

Secure Access Codes and One-Time Passcodes are used by 元素 to identify you while conducting a transaction online. You should never provide a One-Time Passcode to our personnel unless you called us.

If you have any questions or concerns, we’re available 24/7 at 317-276-2105 or toll-free at 800-621-2105. You can also send us a secure message through online banking or the mobile app.