Automatic Fraud Alerts
Quick. Automated. Your Best Defense Against Fraud.
At Oregonians Credit Union, we're serious about protecting you from fraudulent activity on your accounts. That's why we've added a new feature to our fraud detection system, automated fraud text alerts. These convenient notifications will equip you with the tools you need to take IMMEDIATE action against fraud.
If our system detects suspicious activity on your card account, you'll receive a text message with details about the suspected transaction. All you have to do is respond to the text confirming the transaction. The system will mark the transaction as legitimate and process normally - simple as that. If you indicate the transaction is fraud, you'll receive another message with a number to call for follow-up.
How it Works
After you've responded to the enrollment text, you will receive an alert text message from us anytime a transaction looks suspicious. We look for purchases outside your normal buying patterns, purchases made at times or locations that are unusual for you, and purchases that match known fraud trends. You can either verify your purchase to continue using your card, or immediately report it as fraud. If you indicate the transaction is fraud, you'll receive another message with a number to call for follow-up.
Please note we will never ask you for credit or debit card information we already have, such as a card number, expiration date or security code. Report any suspicious calls to our Member Service Center at 800.982.2974. If you have any questions or concerns, please don't hesitate to contact us.
Sample Text Messages:
If we already have your cell phone number on file, you'll receive an initial text message asking you to enroll in two way text alerts. Say yes, and we will text you anytime a transaction looks suspicious. It's an easy way to keep your account secure and prevent fraud.
If we do not have your cell phone number on file, please contact us at 503.239.5336 or toll free at 800.982.2974. Getting in touch with you quickly is critical to stopping fraud. If you do not have a cell phone, we will call your home phone.