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Fraud Prevention Tips

Your financial security is our top priority.

We understand the importance of feeling secure in your financial transactions. That’s why we remain committed to doing our part to keep you safe while also empowering you with the knowledge and tools necessary to protect yourself from fraud.

Guardian Cares About Your Financial Security

At Guardian, we prioritize your security. We use advanced encryption and authentication methods to protect your accounts and personal information, ensuring the utmost security for our members.

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Fraud Watch

By utilizing State-of-the-art fraud monitoring technology, we can identify suspicious account activity and may temporarily block or delay a transaction until its validity can be confirmed.

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Vacation

You have the option to inform us of upcoming travel that may bring about unusual spending. Submitting a travel notice is easy and ensures you can relax without any account disruptions. Travel notices can be submitted in the Guardian Mobile App or by giving us a call.

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Device Verification

Register your computers or mobile devices with us, enabling us to detect unauthorized access to your account. In such instances, we'll prompt additional security questions to verify your identity and ensure account security.

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Secure Mobile Payments

You can use your Guardian credit and debit cards with mobile payment apps like Apple Pay®, Google Pay™, and Samsung Pay™ for added security. Just add your Guardian credit or debit card to these apps or other digital wallets such as PayPal or Venmo to make safe purchases.

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Safe Web Navigation

Guardian ensures secure data transmission across all of our digital platforms, including the website and mobile app.

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Federal Insurance

Guardian accounts are insured by the National Credit Union Administration up to $250,000 – providing the same benefits as FDIC insurance for a bank account.

You Can Prevent Fraud, Too

Taking proactive measures to prevent fraud is easier than you think. Learn how you can safeguard your financial assets and experience the peace of mind you deserve.

Keep Your Personal Info Secure,  A shield with a lock icon

Keep Your Personal Info Secure

Never disclose your full account number, debit/credit card numbers, social security number, or account login information to anyone, including Guardian representatives. Maintain a questioning attitude when receiving communications appearing to be from Guardian, always verifying their authenticity.

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Strong Passwords

Creating passwords that are hard for others to guess (without the use of names, street address, birthdays, etc.) and taking steps to keep those passwords safe and secure is important. You should also avoid using the same username or password across multiple financial websites.

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Multi-Factor Authentication (MFA)

Set up two-factor authentication for an extra layer of protection when logging into accounts. Guardian will NEVER ask for your 6-digit MFA code. Do not give it out to anyone.

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Mobile Pay

Every time you pay using a mobile payment app (Apply Pay, Google Pay, Samsung Pay, etc.) instead of using your physical card, you help to shield your card number from fraud. With your Guardian debit and credit cards in your digital wallet, you can make touch-free purchases with your smartphone, tablet or Apple Watch. Learn how to add your Guardian Debit Card to your digital wallet.

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Mobile Apps

Only download apps onto your device on trusted sources such as the Apple App Store and Google Play. This will protect you from fraudulent apps that may target your data.

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Beware of Suspicious Calls, Texts, and Emails

Avoid falling victim to phishing scams, which involve fraudulent attacks via phone calls, texts or emails impersonating trusted financial institutions to trick you into sharing personal information. Never click on links in unsolicited emails or texts, and refrain from providing personal financial details to unknown callers. If you're unsure about the legitimacy of a call, err on the side of caution by hanging up and contacting us directly for verification.

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Protect Your PIN

Avoid sharing your PIN (Personal Identification Number) with others, and exercise caution when entering your PIN. Stay vigilant of your surroundings, particularly in checkout lines or at ATMs, and always shield the keypad from prying eyes while entering your PIN.

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Beware of Skimming

Before using your debit or credit card at an ATM, store, or gas pump, carefully inspect the card payment terminal for anything suspicious. Any loose or protruding elements could suggest the presence of a skimming device used by thieves to capture card information.

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Monitor Your Accounts & Enable Alerts

Monitor your accounts in real-time using alerts. Enabling alerts (via SMS text, email, or push notifications) allows you to be immediately informed of account activity, helping you quickly identify fraudulent transactions.

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Go Paperless

Opting for paperless banking minimizes your risk of mail fraud. Set up your income with direct deposit and subscribe to receive paperless e-Statements to reduce your risk.

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Safe Browsing

Avoid using public WiFi when accessing online banking and never save your passwords for financial or shopping sites. You can also verify secure websites before logging in by checking for “https” before the web address.

Need Assistance?

Just ask Guardian!