Fraud Prevention & Account Security
What is Financial Fraud?
Fraud happens when someone tries to trick you out of your money or personal information, either by phone, text, email, online, or in person.
Common tactics include:
Phishing calls, texts, or emails posing as GHS or another trusted source
Compromised devices exposing logins or banking data
Skimming at ATMs and gas pumps
Romance & relationship scam s that build trust, then ask for money
How to spot fraud:
The person is creating urgency for their request
They ask you to withdraw or send funds to protect your account
They pretend to represent the fraud dept., IRS, FBI, or another government agency
They ask you to verify or update sensitive info
Requests includes suspicious links or attachments
Requests for gift cards, wires, or crypto
Comes from a number or address that’s slightly “off”
GHS Federal Credit Union will Never:
Ask for your PIN, password, or one-time code.
Pressure you to move money to “protect” it.
Download a sharing app or remotely log into your PC with you.
Send links asking you to log in to verify your account.
Threaten account closure or arrest if you don’t act immediately.
Fraud Concerns? We’re Here to Help!
Stay calm and act fast!
Stop All Contact with Suspected Scammer. End communication immediately to prevent further manipulation or financial loss.
Do Not Send More Money. Scammers often create urgency to pressure victims into additional payments.
Do Not Click Any Links or Attachments. These may contain malware or fake websites designed to steal information.
Save Screenshots, Phone Numbers, and Messages as Evidence. Keeping records can help support fraud investigations and recovery efforts.
Follow the Action Plan:
Lock it down. Turn off your debit/credit card in GHS online banking (24/7).
Call GHS. Report the activity and request a card block or replacement.
Reset passwords. Update online banking and any reused passwords; enable multifactor authentication.
Review activity. Look back 30 to 60 days for unfamiliar transactions.
Add protection. Place a fraud alert/freeze with the credit bureaus.
Document. Keep records of every fraudulent transaction/contact.
Fraud Can Happen to Anyone
At GHS Federal Credit Union, protecting members is a responsibility we take seriously. Fraud prevention is not just about technology and security tools. It is also about partnership, education, and support. If something feels suspicious, unusual, or simply does not seem right, members should never hesitate to contact us. Whether it is a questionable text message, unexpected phone call, suspicious transaction, or concern about account activity, our team is here to help guide members through the next steps. Staying vigilant together is one of the strongest defenses against fraud, and members can feel confident knowing GHS is committed to helping protect their financial well-being every step of the way.
