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Guardian Credit Union member smiling while checking that her financial information is safe and secure online.

Guardian Security Center

Your financial security is our priority.

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

Guardian Security

At Guardian, we have implemented security protocols to ensure our member’s safety. We use advanced encryption and authentication methods to protect your accounts and personal information, ensuring the utmost security for our members. Here are the steps we have taken to prevent fraudulent activity.

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Fraud Watch

By utilizing advanced 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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Safe Web Navigation

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

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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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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 authentication methods to verify your identity and ensure account security.

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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 this information out to anyone.

Personal Security

In today’s digital age, we must understand and implement general financial security for our personal well-being. Here are essential tips you can start practicing to keep your information secure and protect your information.

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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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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 suspicious communications appearing to be from Guardian. Verify the authenticity of any communication by calling 334-244-9999.

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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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Create Strong Passwords and Enable Biometrics

Creating passwords that are hard for others to guess (without the use of names, street addresses, birthdays, etc.) and taking steps to keep those passwords secure is imperative. You should also avoid using the same username or password across multiple websites. You can also enable biometrics for your device to use fingerprint, face, or other physical characteristics for authentication.

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Vacation Notice

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.

Fraud Prevention

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

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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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Utilize Your Digital Wallet for Secure Mobile Payments

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

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

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Practice 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.

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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.

Need Assistance?

Just ask Guardian!

Learn More about Fraud Prevention

Banzai Fraud and Security