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Security Center

Report Fraud

Report Fraud

If you notice fraudulent or suspicious activity in connection with your Wescom accounts, credit card, debit card, or ATM card; or if you have received a call inquiring about transactions made to your credit card, debit card, or ATM card, please contact Wescom at 1-888-4WESCOM (1-888-493-7266)
and press 2.

Security Tip

Know that Wescom will never call or text you to ask for your information. Fraudsters are even using Wescom’s phone number to trick you into providing them with information so they may gain access your account. Wescom will never call or text you to request passwords, your account number, debit card number, credit card number, PINs, full Social Security number, online banking credentials, or any one-time codes needed to log in to Online Banking, Zelle®, or other digital payment options. This information is personal to you, and we urge you to never share that information with anyone.

Report Fraud

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

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 Credit Union 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.

Can We Help You Find Something?

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
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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:

• visit www.annualcreditreport.com

• call 1-877-322-8228

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 eBranch 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

If you will be traveling and plan on using your Wescom Visa® Credit or Debit Card, we recommend notifying us prior to your departure so your card remains active wherever you go. Changes in your spending habits and patterns can trigger a security alert with our fraud detection system, especially if these transactions are made out of state or overseas. If potential fraud is detected, your card may be temporarily suspended, blocking it from further transactions until the questionable charge can be verified.

Notify us of your upcoming travel plans in one of the following ways:

  • Log in to eBranch and select "Card Center" from the menu. Click "Travel Notice" and follow the steps on the prompted screens.
  • Contact a Member Service Representative at 1-888-4WESCOM (1-888-493-7266). Please be prepared to provide your travel dates and destination(s).



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 eBranch and select Account Alerts from the menu. The Wescom Mobile Apps also offer push notifications.

Common Fraud


“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" 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" 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.

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