Routing Number: 307070021

Security and Fraud Awareness

At AAFCU, we care about you and your security. Here are some helpful tips, suggestions, and fraud awareness to help you be diligent and stay safe.

Member Education

AAFCU has partnered with KnowBe4, a leader in security awareness training, to offer a free interactive course in Home Internet Security for our members. During this course you will learn the 10 important tips for passwords, how to safely bank online, how to protect children online and more. You can complete the course at your own pace or skip to the topics that are important to you.

Use the link below to access the KnowBe4 site and use the password homecourse to get started. 

Click here

Security Tips

Here are some ways you can you help to protect yourself:

Mobile Security:

  • Lock your phone with a unique pin number to keep anyone from accessing it if lost or stolen.

  • Use a trusted password manager to help you manage the different passwords for each service you utilize. When possible, create unique usernames and strong password. A strong password should consist of a combination of lower case letters, upper case letters, numbers and special characters (i.e. @, &, !, etc.) Many password managers have browser addons and mobile apps. Remember to never share your log-in credentials.

  • Use a paid Virtual Private Network service when on public WiFi or out and about.

  • Use Two-Factor Authentication with important online services such as E-Mail and Financial Services.

  • Uninstall Smartphone Apps you are no longer using.

Keeping Safe Online:

  • Use a modern internet browser and keep it up to date.
  • Use a trusted password manager to help you manage the different passwords for each service you utilize. When possible, create unique usernames and strong password. A strong password should consist of a combination of lower case letters, upper case letters, numbers and special characters (i.e. @, &, !, etc.) Many password managers have browser addons and mobile apps. Remember to never share your log-in credentials.

  • Have anti-virus software installed and running on your computer. Allow your Anti-Virus software to scan your computer on a regular basis.

  • Use Two-Factor Authentication with important online services.

Frauds and Scams

Here are some common frauds and scams to help you identify and avoid becoming a victim.

Everyday, people fall victim to frauds and scams. We have listed some of the most common types of ways fraudsters can take advantage of you and scam you out of your hard-earned money.

If you ever have questions or concerns about someone requesting you to send funds, please contact us at 800.223.1983.

  • Work-at-Home Scam: Mystery shopping, stuffing envelopes, payment processing to include payroll and accounts payable, purchasing supplies for your ‘new job’, sending advance pay for work not completed and being requested to send it back.

  • Lottery Scam: You receive a letter or email indicating you won the lottery! However, you must send taxes or pay a fee up front in order to receive your winnings. In addition, they may be requesting personal information to perpetrate identity theft. Did you enter a sweepstakes or lottery? Did you enter one outside the United States?

  • Inheritance Scam: You receive a letter or email indicating a relative has passed away and to receive your inheritance, you need to pay fees, taxes, or legal fees upfront. Another common inheritance scam is someone needing assistance moving their inheritance to the United States.

  • On-Line Acquaintance Scam: Someone you met online and have become friends with or an old acquaintance is now requesting your assistance. They could be asking you to cash a check or provide your login information to deposit checks or transfer funds into your checking account. They generally are asking for assistance in moving funds because they cannot receive the funds themselves. However, they seem to be able to receive the funds you send!

  • Unexplained Check/Online Marketplace Scam: You receive a check in the mail you were not expecting, or the check is for more than you were expecting for the item you are selling. There is also a request to send funds back to the sender. Do not deposit the check! Let us review the check for you.

  • Romance Scam: You meet someone online and begin an online romance. Soon after, they ask for money for an emergency, want to visit you, want you to cash a check for them, pay bills for them, etc. Ask yourself, why can this individual not pay their own bills? How have they been transacting prior? Are they military and you are being told you have to send funds for their return home?

  • Emergency Scam: A relative contacts you stating they are having an emergency (medical, arrested, etc.) and he/she needs money right away. They address you as dad, grandma, uncle and you assume who is calling. They provide information on where to send funds right away! Where was the request to send funds to? An individual and not the hospital? Another state where your relative is not located? Call who you believe contacted you and ask if they are in need assistance.

The one take away is to never send funds without doing your research and asking questions. We are here to help and answer any questions you may have. Never give away your password/login to your accounts. If it is too good to be true, it probably is!