December 21, 2023
Fraud is on the rise — and the bad guys are getting better at impersonating financial institutions and tricking people into giving out their personal information.
Fraud attempts are happening to Gain members, via text and phone calls.
Fraudsters are impersonating Gain by reaching out to our members (via text and phone calls) pretending to be from the Credit Union and asking for online banking login information to confirm that transactions are legitimate. THAT IS A SCAM. Be aware and avoid sharing your personal Gain login information (User ID and Password for online and mobile banking). We will never ask you for any of your login information.
If you have any questions about a Gain text, call us directly at (818) 846-1710.
If you get a call from someone claiming to be from Gain and are asked for any Gain login information to validate your identity, you are being scammed. If your caller ID shows our Gain phone number, that could still be fraudulent. Caller ID spoofing is the practice of falsifying information about an incoming call on the receiver’s caller ID. Scammers can manipulate the caller ID so that the call appears to be coming from a well-known phone number (like Gain’s number), making it more likely to be trusted or answered. If you get a call from our (818) 846-1710 number and the person on the line asks you for any Gain login information, end the call immediately and call us directly.
Please stay vigilant about protecting your personal information. Never share it with anyone. At Gain, we want to keep your accounts as safe and secure as possible.
We're always looking out for our members. In a world where it seems like new financial fraud schemes are hatched every day, that means we (and you) need an aggressive mindset when it comes to security. So... Welcome to our Security Center! Here you'll learn:
Gain Peace of Mind
We're always looking out for our members. In a world where it seems like new financial fraud schemes are hatched every day, that means we (and you) need an aggressive mindset when it comes to security. So...
Welcome to our Security Center!
Here you'll learn:
The safeguarding of your personal information is of the utmost importance to Gain and we have many safeguards and systems in place to take care of you, your identity, and your money. While we're always working to improve and stay ahead of fraudsters, here are a few lines of defense we'd like to highlight:
Our first line of defense is as old-fashioned as it gets. Our frontline staff gets to know you and your banking habits. If they detect duress or unusual requests, they'll make sure everything is ok before proceeding with transactions. It may take an extra moment from time to time, but it's saved many members a whole lot of hassle.
Did you know that you can set up custom alerts from your account? Want to know whenever a large purchase is made using your card? Want to know when transfers are made above a certain amount?? You can receive alerts via text, email, and/or push notifications. You can use Online & Mobile Banking to set up notifications. Just look under "Messages & Alerts."
Typing passwords is nice, but did you know you can set a verbal password on your account? That will help us be sure it's you over the phone or at the teller window. It's an extra proprietary step that remote scammers can't get ahold of. Just get in touch with our Call Center and set up a verbal password on your account today!
Card Control lets you immediately switch your cards on or off from your smartphone, desktop computer, or tablet, all in real-time when logged into Online & Mobile Banking. You can set a daily spend limit for each card to actively manage your expenses. Plus you can view your card billing information and expiration dates.
Just look for "Card Controls" in Online & Mobile Banking.
We're always happy to be hosting and partnering with experts to provide seminars on a variety of financial topics. That includes seminars that give you the tools to avoid financial fraud. We're always adding new seminars, so find the current calendar at GainFCU.com/Seminars.
We're always happy to chat on the phone, in person, over social media, or the Live Chat feature available in Online & Mobile Banking. However, when it's time to discuss accounts and transactions, we have a special feature. It's called Secure Messaging and can be found via Online & Mobile Banking under "Messages and Alerts."
When you use the Gain Mobile App, we check to make sure your location makes sense. If it doesn't match your normal location usage, we may take additional security steps to verify your identity before approving a transaction. Taking a trip? That's why we have Travel Notifications explained below!
Technology can help - but not without you. Gain has state-of-the-art systems to secure our computer servers and networks, and several additional layers of security to ensure your personal and account information remains safe and secure. However, there are other means by which criminals may try to steal your personal information or get you to part with your money that technology cannot prevent. Read below to get more information.
Going on a trip? Let us know! We'll make sure your cards stay functional while you're on vacation. And when you're not out of town, if we see a transaction from a strange location, we'll know it's not you. Set up travel notifications in Mobile Banking.
Stronger protection for your accounts through enhanced security
Online Banking is a convenient and secure way to manage your Gain accounts, review transactions, pay your bills, and more from your home computer, laptop, or mobile device. We've added a new layer of security which means your transactions and accounts are even safer. These changes are in response to recent government regulations that are intended to help prevent identity theft and fraud.
How does it work?
Currently, when you log in to online banking you may be asked to answer a challenge question to access your account. With the new layer of security, additional questions may be asked or you may be required to enter a unique security code.
Your contact information must be up-to-date. Having your most current information in online banking will ensure that your online banking sessions run smoothly and let us know that you're you when you call or visit. You can update your information by logging into online banking and clicking on "Settings" at the top of the screen.
We have partnered with SavvyMoney to bring you a comprehensive credit program that offers instant access to your credit score along with personalized tips on how to improve or maintain an already great score. We call it "Your Credit Score."
It's built right into our already easy-to-use Online Banking and Mobile Banking App, so you won't need a new login.
Monitoring your credit is a great way to catch fraudsters that may be masquerading as you.
You may also request your free credit report online at www.annualcreditreport.com or by phone. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone will be processed within 15 days of receiving your request. Call (877) 322-8228 to request your credit reports by phone.
Mobile devices, including smartphones and tablets, are used to access financial information as much as a home computer or laptop. To ensure the safety of your personal information we recommend you keep your mobile devices with you at all times or keep them in a secured location.
Here are a few tips to keep your device safe:
Criminals are constantly evolving their methods to target financial accounts, but some things stay the same. Be aware of these common tactics and be better prepared in the event of an attack.
Criminals create bogus e-mails that lead consumers to counterfeit websites designed to trick recipients into divulging financial data such as credit card numbers, account usernames, passwords, and social security numbers. http://www.antiphishing.org/
THIS IS IMPORTANT! Gain Federal Credit Union will NEVER ask for your member number, password, PIN, social security number, or any other confidential information by email. If you receive an email requesting this information, you should delete it immediately.
Scam operators are using the telephone, direct mail, and the Internet to entice U.S. consumers to buy chances in high-stakes foreign lotteries from as far away as Australia and Europe. These lottery solicitations violate U.S. law, which prohibits the cross-border sale or purchase of lottery tickets by phone or mail. http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt022.shtm
Crooks and criminals will steal wallets and purses; mail, including account and credit card statements, as well as new checks or tax information. Be sure to guard your checkbook, credit cards, and all other personal and financial data.
Gain Federal Credit Union will never initiate contact to solicit you for personal information, such as account numbers, credit/debit card numbers, passwords, or PINs. Contact us immediately if you think unauthorized access or fraud has occurred in connection with your Gain Federal Credit Union accounts.