Security & Identity Theft
We’re committed to protecting you.
Protect Your Accounts
Identity thieves can commit fraud using our names, Social Security numbers, credit card information, and other personal financial data. Marine CU is here to help you protect yourself from fraud and identity theft.
Report Potential Fraud
You can also report fraud, scams, or suspicious activities at ReportFraud.ftc.gov
The FTC received 2.6 million fraud reports from consumers in 2023.
How to Protect Yourself
The best thing you can do is take steps to prevent identity theft and fraud from happening.
Concerned your identity has been stolen?
Did you receive a fraud alert, get notified of a data brach, or see a suspicious transaction on your account?
Report suspicious activity now
Contact the FTC
IdentityTheft.gov is the federal government’s one-stop resource for identity theft Victims.
File a Police Report
You may want to file a police report if you know the person who committed the crime.
Contact Marine CU
Report any suspicious activity, identity theft, or fraud issues to your local Marine Credit Union branch office.
Read this blog post to learn more ways to report identity theft.
If you become a victim of identity theft, you have the right to:
- Create an FTC Identity Theft Report
- Place a one-year fraud alert on your credit report
- Place a seven-year extended fraud alert on your credit report
- Get fraudulent information removed (or “blocked”) from your credit report
- Dispute fraudulent or inaccurate information on your credit report
- Stop creditors and debt collectors from reporting fraudulent accounts
- Get copies of documents related to the identity theft
- Stop a debt collector from contacting you
The best protection is prevention.
Take steps to prevent identity theft and secure your financial data.
Freeze Your Credit
Contact each of the three credit reporting agencies to freeze your credit and prevent anyone from requesting a copy of your credit report.
Collect Your Mail Daily
Thieves can steal your identity by lifting bank or credit card statements, utility bills, or even pre-approved credit card offers from your mailbox.
Review Bank & Credit Card Statements
Know your statement cycles and review each statement closely for any suspicious activity.
Shred Personal Documents
Keep necessary documents containing your personal information in a secure place like a safe and shred the rest.
Create Secure Passwords
Use long, complex, and unique passwords and vary your passwords from account to account.
Review Your Credit Reports Annually
Get a free credit report from each of the three credit reporting agencies annually.
Learn more about identity theft and how to protect yourself.
Our Approach to Security
What You Can Expect From Us
Education
We offer members free financial education courses through GreenPath, a financial wellness nonprofit.
Awareness
When threats occur, we notify members via our official social media channels and with colored banners at the top of our corporate website.
Security
Consumer accounts at Marine Credit Union are federally insured up to $250,000 through the National Credit Union Association.
Identity Theft FAQs
Identity theft is a serious crime. An identity thief takes your personal or financial information and uses it by posing as you or performing financial transactions in your name without your knowledge. For example, an ID thief may charge items to your bank account or open a credit card or other fraudulent account in your name.
Identity theft can occur in many ways:
Computer crime occurs when your personal information is stolen during your online activities, such as logging into an account or making a purchase on the web.
Personal betrayal occurs when a friend, relative, or stranger steals your information and uses it without your knowledge or consent.
Document loss occurs when you lose your wallet or credit cards or someone steals your information from your mail or trash.
Business leaks occur when your personal information is stolen from a place where you’ve done business. The business might alert you to a data breach.
Identity thieves or scammers can steal your identity by getting their hands on your personal financial information online, when you’re conducting business in person, or over the phone.
Thieves may obtain your account numbers, passwords, Social Security numbers, and other confidential information, then use that information to pose as you or perform financial transactions in your name without your knowledge.
It’s not always easy to spot a stolen identity, but there are many red flags to watch for:
- Unexplained charges or withdrawals on your bank and credit card statements
- New credit cards or accounts you didn’t apply for or open
- Missing mail or email, such as account statements
- Errors on your credit report
- Errors on your tax return or Social Security statement
- Collection notices or calls for unknown debt
If you think your Social Security information has been stolen, it’s important to act quickly. The best way to check if someone may be using your SSN is to check your credit report. You can do this online through AnnualCreditReport.com or by contacting each of the three reporting agencies.
When you have your credit report, review it for anything out of the ordinary. If you spot something suspicious, someone may be fraudulently using your information.
IdentityTheft.gov is the federal government’s one-stop resource for identity theft victims. The site provides checklists, sample letters, and contact information to guide you through the ID theft recovery process.
Marine is here to help.
Contact us for identity theft support.
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