Fraud Text Alerts
An essential layer of account security, Fraud Text Alerts provide an extra layer of protection for your account.
How fraud text alerts work
If we identify suspicious activity on your UCU ATM, debit, or credit card, we may send you a text message to verify the transaction.
If we can't identify your contact number as a mobile number, you may receive a call. When you receive a text from UCU, you will have the option to confirm that you made the purchase or inform us that your card is being used fraudulently.
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Reply "Yes" if the transaction is valid or reply "No" to block the unauthorized transaction
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If you reply "No," the card will be blocked from further transactions and we ask you contact us at 800.UCU.4510 to ensure a resolution
Frequently asked questions
Need more information?
- Why would I receive a text message or phone call?
We are working 24/7 to protect your card. If any activity appears suspicious, you may receive a text message or phone call from our Card Fraud Prevention team.
- If I receive a text or call, will the purchase still go through? If you receive a text or call, that means your purchase was stopped. If you let us know you were trying to make the purchase, then you’ll be able to attempt making the purchase after we’ve confirmed with you it is legitimate.
- How long after I confirm it’s me can I use my card? Once the purchase is confirmed, you should be able to make the purchase again within less than a minute.
- What if I do not confirm the purchase or indicate it’s not me? Your card will be blocked and we ask you to call us at 800.UCU.4510 so we can assist you in obtaining a new card and making sure no other transactions posted to your account.
- How will I know this is a legitimate text message from UCU?
We will NEVER ask you to send us any personal information including your card number, phone number, social security number, or PIN via text message. Call us at 800.UCU.4510 to confirm with our team if you have any doubts about a message.
- From what phone number or short code will the text come from? Unfortunately for security purposes we are unable to disclose that information. If in doubt, please call us directly at 800.UCU.4510.
- What if I opted out accidentally or decide afterwards that this is a good thing to continue? If you want to opt back in, please call us at 800.UCU.4510 and one of our team members can assist you.
- Will the text message be in addition to a phone call? If you receive a text message and you do not respond within 5 minutes, you may receive a phone call.
- What are the hours for text messages? Text messages can be initiated 24 hours a day. An after hours phone number will be provided in the event you would like to contact us immediately.
- If I receive a phone call, what are the hours for calls? Calls will only be made to your phone between 8am and 9pm, based on your local time zone.
Your account safety is our main priority, and with the introduction of Fraud Text Alerts, you'll always have peace of mind!
Concerned you're a victim of fraud?
Call us at 800.UCU.4510 to report it immediately! We'll review your account with you and assist with any security questions.
Resources from University Credit Union
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University Credit Union offers membership to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking. Click here for full eligibility and membership options.
University Credit Union offers membership to employees, students, alumni, and direct family of UCLA, Pepperdine University, Loyola Marymount University, Saint Mary's College, UC Davis, UC San Diego, Georgia Tech, Abilene Christian University, Mount St. Mary's University, Chabot College and Las Positas College, West Coast Conference Universities, Western Athletic Conference Universities, and other universities throughout California. UCU offers a variety of products and services including checking accounts, credit cards, home mortgages, auto loans, personal loans, commercial loans, insurance, investments, as well as digital banking. Click here for full eligibility and membership options.
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