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Your Mountain Stronghold...


Arapahoe Credit Union is amongst the safest places to bank— anywhere. We are more than a local bank, we are a financial safeguard.

 
Protect Yourself from ID Theft

Arapahoe Credit UnionArapahoe Credit Union

Safety and Service

Identity theft and financial fraud keeps growing like a malicious and resistant weed. Last year, over 11.6 million people had their identities compromised— a 13% annual increase. It can happen to anyone, regardless of how careful you are, regardless of age and income, and regardless of where you live.

Still, you can prepare, you can be ready and you can have aCompetitive Loan Rates in Colorado credit union that is ready to step in for you. We have dedicated ourselves as your complete financial advocate. You cannot find a safer place to bank that is also focused on members as both individuals and a community. Among our points of pride, we provide our members:

  • The highest rating possible for financial stability.
  • Complete $250,000 federal NCUA insurance.
  • Front line protections to proactively guard you.
  • Virtual Services to keep your information in your control.
  • ACU Identity Safe to create a comprehensive safety net.
  • Our nationally renowned financial education program which prepares consumers of any age for the best banking practices.

Above all, we offer you our staff. We are all experienced and trained, with experts throughout the financial fields. What’s more, we get to know our members and work to protect them as individuals. Whether on the phone or in person, our staff is watching out for red flags and taking an active stake in your financial well-being.

On The Front LinesProtect against ID Theft

Arapahoe Credit Union uses and provides an array of services meant to protect you. Most of these things you will never see; some you will; others are available if you want them. All are designed to offer peace of mind.

Electronic and Online and Security

Security starts with protecting your information. We, as a credit union, have opted for a higher standard of online security. While not a comprehensive list, you can expect the following from ACU:

  • Secured Online Banking with MFA (Multi-factor Authentication)
  • E-statement Standard
    - Avoids upwards of 80% of ID theft.
  • Free Electronic Bill Pay
    - Never risk your checking account number again.
  • Account Alerts and Notices
    - The best way to monitor your account in real time.
  • Falcon Alerts
    - We monitor for unusual transactions to prevent fraud.
  • CAMS Notices
    - We are informed about merchant compromises to
    proactively cut off fraud.
  • Black Market Monitoring
    -We watch black market trading sites for the sale of
    potentially dangerous information.

Personal Security

  • Free Member Cashier’s Checks
    - No risk to your information / One item given per day.
  • In-Branch and Telephone Verification
    - We have built in controls to safely filter transactions and
    inquiries.
  • Complete Visa® Fraud Protection ( Debit and Credit Cards)
    - Let us know within 60 days if you ever suspect fraud.
  • Account Fraud Protection
    - Monitor your account, and let us know immediately if
    anything appears unusual. We almost always have
    options if you promptly let us know.

Comprehensive Recovery Program

We are using the power of our community to help keepProtect against ID Theft identity theft from disrupting your life. ACU Identity Safe is now available as your identity theft safe room— a place you can turn to if anything compromises your financial profile or accounts. This benefit applies to your entire profile. All bank accounts, government documents, credit profiles, utilities— everything is covered. ACU Identity Safe is now integrated with your account. We have negotiated the cost of these services down to nearly a tenth of normal retail allowing each account holder to receive this benefit for $1.96 per month.

From now on, if you even suspect identity theft, we want you to give us a call— even if it does not have to do specifically with Arapahoe Credit Union. We will provide you professional identity theft recovery benefits to cover both financial and non-financial fraud. You will get a personal advocate, at no additional cost, who will take care of everything legally possible to recover your identity. All you have to do is contact us to get started.

If you run into issues, our chief benefits include:

  • Coverage for your entire financial profile including all other
    banks, institutions, utility companies and medical profile.
  • 100% complete recovery with a 12 month follow up.
  • Credit bureau alerts and immediate credit monitoring.
  • A team with certified private investigators and crisis
    counselors working with law enforcement to clear your
    profile and stop the perpetrating criminals.
  • Your family line is covered as well. Parents, spouse and
    children all receive this coverage regardless of account status.

Please feel free to explore the complete benefits and features.

Please note: ACU Identity Safe is an incredible benefit made inexpensive through a group rate. However, with family accounts, it is possible to have extended or redundant coverage. Please let us know if you run into this situation so that we can get your account set up to your greatest benefit.

Protect YourselfProtect Yourself from ID Theft

While we have a thorough and dynamic blanket of protection in place, you still have the most control when it comes to the safety and security of your accounts. Remember though, we are always here to help. Beyond our standard service, you can definitely take advantage of our nationally recognized financial education program developed for people of any age. We also maintain a variety of outside resources.

Outside Resources

FTC Fraud Prevention
AnnualCreditReport.com
MyMoney.gov
Mint.com
Free Monitoring Products

PreventionPrevent ID Theft

First off, it is important to know that Arapahoe Credit Union will never ask you to verify your personal information (phone call, mail, text or email) such as account numbers, Personal Identification Numbers (PINs), Social Security numbers or other confidential information on any outgoing calls we make to our members.

If you believe you have responded to a fraudulent attempt, call the credit union immediately at
303-740-7063 or toll-free at 1-866-740-7063.

Most personal protection can be had through the use of questioning and common sense. If you can answer “yes” to any of the following questions, you could be involved in a FRAUD or about to be SCAMMED!

  • Is the CHECK from an item you sold on the Internet, such as a car, boat, jewelry, etc?
  • Is the amount of the CHECK more than the item’s selling price?
  • Did you receive the CHECK via overnight delivery service?
  • Is the CHECK connected to communicating with someone by email?
  • Is the CHECK drawn on a business or individual account that is different from the person buying your item or product?
  • Have you been informed that were the winner of a LOTTERY/ SWEEPSTAKES that you did not enter?
  • Have you been instructed to either “WIRE”, “SEND” OR “SHIP” MONEY, as soon as possible to a large U.S. city or to another country, such as Canada, England or Nigeria?
  • Are you receiving PAY or COMMISSION for facilitating money transfers through your account? Did you respond to an email asking you to CONFIRM, UPDATE or PROVIDE account information?

Fraud Alerts

Stop ID Theft

We occasionally come by very consistent scams that might be affecting the entire area. Others are so large that everyone should know about them. When we come across these, we will try to post them here. We will also keep an ongoing archive if you would like to review past scams that have hit the area.

Recent Alerts

District Attorney Top Scams: The local DA has released a listing of top consumer complaints. Craigslist again tops the list with the most common problem being stolen rental deposits. Additionally, false contractors make the list. For a run-down of problems and preventative tips, view the DA notice here.

Anyone contacted by this so-called “vishing” scheme should immediately contact NCUA’s Consumer Assistance Center Hotline at 800-755-1030 or by email at phishing@ncua.gov to report the scam.


"Vishing Scam:" (Via: NCUA) The National Credit Union Administration today warned consumers to beware of a new telephone fraud, known as a “vishing” scheme, that is using the agency’s name in an attempt to obtain personal financial information. Several credit union members have been contacted by an automated phone call claiming to be from NCUA and notifying consumers their debit cards have been compromised. The call then asks the receiver to follow prompts, which request personal information, including sensitive financial data and personal identification information.

Anyone contacted by this so-called “vishing” scheme should immediately contact NCUA’s Consumer Assistance Center Hotline at 800-755-1030 or by email at phishing@ncua.gov to report the scam.

Archive

Scams, especially successful ones, tend to stick around or mutate into other, similar scams. To review some of the largest, take a look at the fraud alert archive.