It’s Not Us!

If you receive a call, text or an email saying it’s from APCO Employees Credit Union, listen or read it carefully, and call us at 1-800-249-APCO directly if you are uncertain about what’s being asked. We will never call, text or email asking you for personal or account information, online banking credentials, or ask you to provide a code to confirm a transaction.

Review these tips to help keep your account secure:


I’M CALLING FOR… If you receive a call or a text message about your account or card from an individual who says they represent APCO Employees Credit Union, and you are unsure about responding to it, hang up and call us at 1-800-249-APCO for assistance.

DON’T CLICK THE LINK! A text alert warning of suspicious activity on your Visa card will NEVER include a link to be clicked. A valid notification will provide information about the suspect transaction and ask you to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop’.

CHECK THE NUMBER! A text alert will always be from a 5-digit number and NOT a 10-digit number resembling a phone number.

IS YOUR ZIP…? A phone call from our automated dialer will only include a request for your Zip code, and no other personal information, unless you confirm that a transaction is fraudulent. Only then will you be transferred to an agent who will ask questions to confirm your identity before going through your transactions. If at any point you are uncertain about questions being asked or the call itself, hang up and call us at 1-800-249-APCO directly.

PROTECT YOUR PIN! We will NEVER ask for the PIN or the 3-digit security code on the back of your card.

IMPOSTER! Posing as call center agents, fraudsters will often ask you to verify fake transactions. When you say no, you did not perform those transactions, the fraudster then says that your card will be blocked, a new card will be issued, and that they need the card’s PIN to put on the new card. Many people believe this and provide their PIN.

CHECK YOUR ACCOUNT! Regularly check your account(s) online for suspicious transactions, but especially if you are unsure about a call or text message you’ve received. If anything looks amiss, call us directly for assistance at 1-800-249-APCO.

Click here to review our privacy disclosures, safety and soundness.