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- Common Scams & Fraud
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Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community.
If you live in Alabama, Georgia, Mississippi, Florida, or Tennessee, you are eligible to become a member. Depending on your individual eligibility, we may require membership into an approved association at no cost to you.
You can also qualify for membership by being a family member of a current or potential Listerhill member.
With only $5, you can join Listerhill today and start taking advantage of a lifetime membership.
Occurs when someone uses your personal information - such as your Social Security number, credit card number, or bank account details - without your permission to commit fraud or other crimes.
Phishing involves deceptive emails, while smishing uses fraudulent text messages to trick you into revealing personal information or clicking on malicious links.
Scammers use deepfake audio or AI-generated voices to convincingly pose as trusted individuals - often family members or financial professionals - in order to gain access to your accounts or trick you into sending money.
Criminals pretend to be trusted entities like your credit union, government agencies, or service providers to gain access to your accounts or money.
Hackers infiltrate legitimate business email systems to impersonate executives or vendors and redirect funds through fraudulent invoices or instructions.
Cybercriminals create sites that mimic real companies to trick you into entering login credentials or payment information.
You're tricked into scanning a malicious QR code that directs you to a fraudulent site designed to steal your personal or financial information.
Occurs when fraudsters use stolen card information to make online or phone purchases without the physical card being present.
Criminals steal checks from mailboxes, alter them, and attempt to cash them under false pretenses - targeting both individuals and businesses.
The scammer sends a fake check for more than the purchase price and asks you to refund the difference - once the check bounces, you lose your money.
You're asked to cash a check for someone and send back a portion of the funds - only to discover the check is fake and you're responsible for the loss.
You're asked to make a payment - often via gift cards, wire transfers, or payment apps - with the promise of a reward or reimbursement that never comes.
During the home-buying process, you receive fake wiring instructions from a spoofed title company or lender, redirecting your down payment to a scammer's account.
Scammers pose as a friend or relative in urgent need - often claiming an accident, arrest, or medical emergency - to pressure you into sending money quickly.
A scammer poses as your grandchild in distress - often crying or whispering - asking you not to tell their parents and to send money right away.
Scammers build fake online relationships to gain trust and eventually ask for money, often claiming a personal or medical emergency.
Scammers advertise non-existent pets for sale online, request payment and shipping fees, then vanish without delivering the animal.
Fake charities use emotional appeals or disasters to trick you into donating to causes that don't exist.
You're offered a "guaranteed" return on a no-risk investment that turns out to be fake - often in cryptocurrency, real estate, or startup schemes.
You're told you've won a prize or lottery you never entered, but you must pay taxes or fees before collecting the (nonexistent) winnings.
Fraudulent companies promise to erase your debt or improve your credit - for a fee - without delivering real help.
Fraudulent job listings offer high pay or flexible work but require you to provide sensitive personal information or pay for training or materials.
Scammers list properties they don't own, collect deposits or rent up front, and then disappear - often targeting out-of-town renters or urgent movers.
Fraudsters post fake listings for products or services on websites or social media, often asking for payment up front and never delivering the goods.
Scammers claim to be from the IRS, FTC, or another agency, threatening arrest or fines unless you pay immediately - usually by gift card or wire transfer.
A scammer pretends to be a tech support agent, claiming there is an issue with your computer and urging you to grant remote access or pay for fake services.
Setting up a travel notification tells Listerhill that you will be using your card overseas or in a different state. By informing us ahead of time, you’ll make sure that legitimate transactions using your credit or debit card are not blocked, so you’ll always have access to your money.
Unlike regular paper statements, eStatements are available instantly. There’s no chance they will get lost in the mail, and you do not need to worry about misplacing them — they’re always available online. They’re also searchable, which makes it easier to find specific transactions. In addition, eStatements save paper, making them more cost-effective and environmentally friendly.
No, while you can track card activity using Online and Mobile Banking, you currently need to use the LCU Card App to set up card alerts and notifications. This functionality will be coming soon to Listerhill’s Online and Mobile Banking services.
Yes, the LCU Card App is designed to allow you to monitor and manage multiple cards, including both credit and debit cards.
Listerhill Online and Mobile Banking lets you access information about your card balances and transactions (once you have added your card details). The LCU Card App also lets you track card spending, but also allows you to add notifications and alerts, enable transaction alerts, view recent and pending transactions, and instantly lock or unlock cards.