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Fraud Alert: Wescom will Never Call to Request Your Account Information

Fraud Alert: Wescom will Never Call to Request Your Account Information

Wescom will never call or text you to request passwords, authentication codes, PINs, or other account information. If you are contacted and anything seems suspicious—even if the caller ID says Wescom—hang up and call us directly 1-888-4WESCOM (1-888-493-7266).

Report Fraud

To report fraudulent or suspicious activity on your Wescom debit, credit, or ATM card:

  1. Log in to Online Banking,
  2. From the top-left menu, select Card Center
  3. Choose Report Lost or Stolen Cards and click the “Is there Fraud on this account” toggle

To report fraudulent or suspicious text messages or calls, please contact Wescom at 1-888-4WESCOM (1-888-493-7266) and press 2.

Report Fraud
Protect Your Identity

Protect Your Identity

At Wescom, you can bank with confidence knowing your funds are secure. With the growing sophistication of fraudulent scams and activities, Wescom is always scanning for fraud and other criminal attempts to steal your money and personal information. Our highly trained staff uses the latest procedures and most effective security programs to ensure the safety of your money.

Verifying Your Access

Verifying Your Access

When accessing wescom.org, you will notice that a lock icon appears to the left of the browser’s website address bar. This technology can’t be duplicated by fraudsters, so you can feel secure with this added level of visual confirmation that you are accessing the true wescom.org site.


Card Fraud Alerts

 

Card Fraud Alerts are Wescom’s card verification process to help identify fraudulent transactions. When a suspicious transaction is detected on your account, you’ll receive an electronic, automated message via text, email, or phone to verify the transaction. And there’s no need to enroll – if you have a Wescom card you are automatically enrolled in Card Fraud Alerts.

As a reminder, Wescom Financial will never send you unsolicited emails, text messages, or phone calls to request your personal financial information, such as your credit card number, expiration date, PINs or passwords, or full Social Security number.

Beware of Fraudulent Phone Fraud

Fraudsters are posing as retailers, and even Wescom, to access your account information. So don’t provide any personal information to anyone over the phone – even if the caller says they’re from Wescom or the phone number looks like it’s coming from Wescom.

Wescom will NEVER call you and ask you to ask for a security code you may have received via text or email, your account number, debit card number, credit card number, or online banking credentials. If you receive a call or text message asking you for personal information, report the incident by clicking on the button below or call us at 1-888-4WESCOM (1-888-493-7266) to let us know.

Report Fraud

Features & Benefits

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Check Security
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Your Credit Report
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Password Strength
sky with clouds and airplane
Travel Notices
desk with laptop, phone, and coffee
Account Alerts
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Check Security
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Your Credit Report
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Password Strength
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Travel Notices
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Account Alerts

Check Security

Credit Unions are required by law to make the funds from checks you deposit available to you quickly. This “hold” period is no guarantee that a check is good. It may not be long enough to reveal that a check is fraudulent. Credit Unions often release funds from a cashier’s check or money order before it clears.

Remember, just because you can withdraw the money does not mean the check is good. In any case, the victim of fraud must refund the full amount to the Credit Union.

For more information, please visit:

FBI Website
USPS Website


Your Credit Report

You are entitled to get one FREE Credit Report from each of the three main credit reporting agencies every year. To get your free Credit Report:

Contact the credit reporting agencies immediately if you suspect a problem. Order reports from each of the three credit-reporting agencies, as each may contain different information. Criminals count on your unsuspecting cooperation. The longer they avoid detection, the longer they can continue using your good name. The best way to spot identity theft is to check your Credit Reports at least once a year.


Password Strength

A strong, hard-to-guess password—one you update on a regular basis but can easily remember—is one of your top defenses against banking and identity fraud. At Wescom, we make it easy for you to create the most secure passwords possible. The next time you update your Online Banking password, we’ll rate its strength to make sure you have the best protection against unauthorized access.

For maximum effectiveness, your password should be 8 to 20 digits long and include any combination of upper- or lower-case letters, numbers, and most special characters. The only characters not allowed are semicolon (;), colon (:), “at” sign (@), and tilde (~).


Travel Notices

Thanks to enhanced technology and security of your account, it’s no longer necessary to add a travel notice to your Wescom card when heading out of town. We encourage you to sign up for Card Purchase Alerts in Online Banking by selecting Alerts from the top left menu so you can be notified every time a transaction occurs on your card. If fraud is detected on your account, we will notify you via text or email to immediately confirm the transaction as legitimate or fraud. Please ensure Wescom has your updated phone number and email address by selecting Profile & Settings from the top left menu in Online Banking.


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Account Alerts

Our selection of Account Alerts can help you keep track of your finances by notifying you via text message or email about activity on your account or Visa® Credit Card.

To set up a new alert or modify your existing alerts, login to Online Banking and select Account Alerts from the menu. The Wescom Mobile Apps also offer push notifications.


Check Security

Credit Unions are required by law to make the funds from checks you deposit available to you quickly. This “hold” period is no guarantee that a check is good. It may not be long enough to reveal that a check is fraudulent. Credit Unions often release funds from a cashier’s check or money order before it clears.

Remember, just because you can withdraw the money does not mean the check is good. In any case, the victim of fraud must refund the full amount to the Credit Union.

For more information, please visit:

FBI Website
USPS Website


Your Credit Report

You are entitled to get one FREE Credit Report from each of the three main credit reporting agencies every year. To get your free Credit Report:

Contact the credit reporting agencies immediately if you suspect a problem. Order reports from each of the three credit-reporting agencies, as each may contain different information. Criminals count on your unsuspecting cooperation. The longer they avoid detection, the longer they can continue using your good name. The best way to spot identity theft is to check your Credit Reports at least once a year.


Password Strength

A strong, hard-to-guess password—one you update on a regular basis but can easily remember—is one of your top defenses against banking and identity fraud. At Wescom, we make it easy for you to create the most secure passwords possible. The next time you update your Online Banking password, we’ll rate its strength to make sure you have the best protection against unauthorized access.

For maximum effectiveness, your password should be 8 to 20 digits long and include any combination of upper- or lower-case letters, numbers, and most special characters. The only characters not allowed are semicolon (;), colon (:), “at” sign (@), and tilde (~).


Travel Notices

Thanks to enhanced technology and security of your account, it’s no longer necessary to add a travel notice to your Wescom card when heading out of town. We encourage you to sign up for Card Purchase Alerts in Online Banking by selecting Alerts from the top left menu so you can be notified every time a transaction occurs on your card. If fraud is detected on your account, we will notify you via text or email to immediately confirm the transaction as legitimate or fraud. Please ensure Wescom has your updated phone number and email address by selecting Profile & Settings from the top left menu in Online Banking.


Login

Account Alerts

Our selection of Account Alerts can help you keep track of your finances by notifying you via text message or email about activity on your account or Visa® Credit Card.

To set up a new alert or modify your existing alerts, login to Online Banking and select Account Alerts from the menu. The Wescom Mobile Apps also offer push notifications.


Common Fraud

IDENTITY THEFT

Identity theft is when someone uses your personal or financial information without your permission. They might steal your name and address, credit card, or bank account numbers, Social Security number, or medical insurance account numbers to make purchases with your credit card, get new credit cards in your name, open a phone, electricity, or gas account in your name, steal your tax refund, use your health insurance to get medical care, or pretend to be you if they are arrested.

Here’s what you can do help prevent identity theft:

  • Keep your information private and safe. Know that Wescom will not call you to ask you to provide a security code you may have received via text or email, passwords, your account number, debit card number, credit card number, or online banking credentials. If you receive a call or text message asking you for personal information, contact Wescom immediately. Report the incident by visiting the Security Center or call us at 1-888-4WESCOM (1-888-493-7266) to let us know.
  • Be vigilant online. Install firewalls and virus detection software on your home computer and create complex passwords that fraudsters can’t easily guess. Change passwords often.
  • Stay safe on social media. Don't post your date of birth, mother's maiden name, first pet's name, or other personal information on social media channels.
  • Keep an eye on your accounts. Review your account statements every month and pay attention to billing cycles. If bills or statements are late, contact the sender. Collect mail promptly so thieves don’t have a chance to get account information on mail left in your box. Sign up for online access to your accounts and check them regularly. Wescom offers account alerts and card purchase alerts so we encourage you to sign up for those too. You can also opt-out of receiving paper statements and access your statements within Wescom’s Online Banking or mobile app.
  • Shred unneeded paperwork containing personal information. Many financial institutions, including credit unions, offer free or low-cost shred days. Take advantage of those to safely discard of these items.
  • Order your credit report once a year. Review it to make sure it doesn’t include accounts you have not authorized. Check it more frequently if you suspect someone has gained access to your account information. You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228.

PHISHING

“Phishing” is an online scam in which an email is sent to people with the intent of luring them to a copy of a website that they may visit regularly. The impostor site, which is run by identity thieves, may be a convincing replica of the legitimate site. Once at the impostor site, visitors are prompted to provide personal information, rendering them vulnerable to identity theft.


VISHING

"Vishing" is similar to phishing, but it takes place over the phone using VoIP (Voice over Internet Protocol). In a typical vishing scenario, the target receives a recorded message alerting them to potential fraud or unusual activity on their bank account or credit card. The message directs the target to call another number immediately to verify their accounts.

The call seems genuine because the callback number matches the one on the target's caller ID. That's because Vishers use technology to manipulate the caller ID record. People who call the given number may be tricked into providing sensitive information, like credit card numbers and passwords. Please note, Wescom will only request you to call 1-888-4-WESCOM (1-888-493-7266).


SMISHING

"Smishing" is derived from SMS for Short Message Service, a technology used for texting on cell phones. In smishing, the criminal delivers a text message that contains a fake warning – something related to a breach in your account's security or charges for a service you did not order. The message may direct the victim to go online and visit a web address.

The site appears to be legitimate but is a lookalike set up by the criminals. It requests that the victim confirm personal financial information and passwords. One tipoff that a text message is a smishing attempt is the "From" line displays a few digits, like "1000" instead of a traceable, 10-digit phone number.


Tips to Help Prevent Fraud

Fraud can affect anyone, but you can take precautions to avoid fraud and protect your accounts. Below list some of the ways you can protect yourself:


  • Verify the source of all checks that you deposit into your account. Fake money orders are common con artist tools.
  • Be wary of offers that require you to wire money or transfer funds. There is no legitimate reason someone would give you a check or money order and ask you to wire money anywhere in return
  • Protect your PINs and passwords: create PINs and passwords that do not use readily identifiable information like names, birth dates, and phone numbers.
  • Do not share confidential account information with anyone, including friends, relatives and business associates. If you need someone to have access to your accounts, consider making them an Authorized Signer.
  • Delete unexpected emails from unknown sources. Do not download software from unknown sites.
  • Do not download software from unknown sites.
  • Never click on links in emails of uncertain legitimacy. Visit the site first by copying the address in a new browser window.
  • Shop only at reputable sites and deal with merchants you know.
  • Contact your financial institution directly to verify an email's origin.
  • Never reply to strange looking emails.
  • Keep your anti-virus and anti-spam software up to date. Have it scan your computer nightly.
  • Enable the firewall on your computer. Internet Service Providers also provide firewall protection.
  • Download security patches from your computer's operating system vendor.
  • Instruct your children to be careful online.
  • Notify the Credit Union of any suspicious email or telephone inquiries, such as those seeking account information or online passwords.
  • Shop only at reputable sites and deal with merchants you know.
  • Contact your financial institution directly to verify an email’s origin.
  • Never reply to strange looking emails.
  • Keep your anti-virus and anti-spam software up to date. Have it scan your computer nightly.
  • Enable the firewall on your computer. Internet Service Providers also provide firewall protection.
  • Download security patches from your computer’s operating system vendor.
  • Instruct your children to be careful online.
  • Notify the Credit Union of any suspicious email or telephone inquiries, such as those seeking account information or online passwords.

Security Center FAQs

Frequently Asked Questions

How can I protect myself from fraud and identity theft?

You can help protect yourself from fraud and identity theft by using strong passwords, monitoring your accounts regularly, safeguarding personal information, keeping your devices updated, and avoiding suspicious emails, text messages, phone calls, or websites.


What is identity theft?

Identity theft occurs when someone uses your personal or financial information without your permission to commit fraud or other crimes. This may include misuse of your Social Security Number, account information, credit cards, or other personal data.


What is phishing?

Phishing is a type of online scam in which fraudsters send emails or create fake websites designed to trick individuals into providing personal, financial, or account information.


What is caller ID spoofing?

Caller ID spoofing is when a scammer disguises the phone number shown on your caller ID so that the call appears to come from a trusted source such as Wescom Financial.


What is QR-code phishing (quishing)?

QR-code phishing, sometimes called quishing, is a scam that uses a QR code to direct you to a malicious website or fraudulent login page. Before scanning a QR code, make sure you trust the source. If the code leads to a page asking for passwords, financial information, verification codes, or other sensitive information, do not enter the information.


What is vishing?

Vishing is a phone-based scam in which fraudsters use telephone calls or recorded messages to impersonate legitimate organizations and attempt to obtain sensitive personal or financial information.


What is smishing?

Smishing is a form of fraud that uses text messages to trick individuals into clicking fraudulent links, visiting fake websites, or providing personal and financial information.


How do I report suspected fraud on my Wescom Financial account?

If you believe fraudulent activity has occurred on your account, contact Wescom Financial immediately and report the suspicious activity through the appropriate fraud reporting channels.


Will Wescom Financial ever call and ask for my account information?

No. Wescom Financial will never call, text, or email you to request passwords, authentication codes, PINs, complete account numbers, or Online Banking credentials. If you receive such a request, do not provide information and contact Wescom Financial directly.


What are Card Fraud Alerts?

Card Fraud Alerts help identify potentially suspicious card transactions. If unusual activity is detected, you may receive a text message, email, or phone call asking you to verify the transaction.


How do Account Alerts help protect my accounts?

Account Alerts can notify you of important account activity, including transactions, balance changes, and other account events, helping you monitor your accounts and quickly identify unauthorized activity.


How often should I check my credit report?

Reviewing your credit report regularly can help you identify signs of identity theft or unauthorized activity. Consumers are entitled to receive free credit reports from the major credit reporting agencies as permitted by law.


Why is a strong password important?

A strong password helps protect your Online Banking accounts and personal information from unauthorized access. Use unique passwords that combine letters, numbers, and special characters, and avoid using easily identifiable information.


What should I do if I receive a suspicious email, text message, or phone call?

Do not click links, open attachments, or provide personal information. Contact Wescom Financial directly using a trusted phone number or website to verify the communication.


How can I tell if I am visiting the real wescom.org website?

Before entering personal or financial information online, verify that you are visiting Wescom's official website, www.wescom.org, and look for security indicators such as a secure connection (https://) and a padlock icon displayed by your web browser. Be cautious of fraudulent or lookalike websites that attempt to impersonate legitimate organizations by using misspellings, extra letters, different domain extensions, or similar-looking characters in the web address. For example, wescom.org is Wescom's official website, while a deceptive site such as wescorn.org may appear legitimate at a glance. Always carefully review the website address before entering sensitive information or logging into your accounts.


How can I reduce the risk of online banking fraud?

You can reduce the risk of online banking fraud by using strong passwords, enabling security features, monitoring account activity, keeping software updated, and avoiding suspicious communications that request personal information.


What are common signs of fraud or scam activity?

Common signs of fraud include unexpected requests for personal information, urgent demands for payment, suspicious links, unfamiliar account activity, requests for authentication codes, and communications claiming to be from a financial institution that ask for confidential information.


What are common payment scams?

Common payment scams are schemes designed to trick you into sending money through payment methods that can be difficult to reverse. Scammers may ask you to pay using payment apps such as Zelle®, Cash App, Venmo, or PayPal, as well as wire transfers, gift cards, cryptocurrency, or checks.

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