This page uses JavaScript. Your browser either does not support JavaScript or you have it turned off. To see this page properly please use a JavaScript enabled browser.

Scam Alerts

UMCU is committed to providing a secure online banking environment for members. As Internet threats continue to increase, UMCU is committed to protecting your financial information. Avoid becoming a victim of a fraud or scam by familiarizing yourself with some of the most recent and common schemes. The best way to protect yourself is to be alert and to ask yourself, "Does this make sense?" If something sounds too good to be true, it probably is.

What UMCU is doing to protect you:

  • We use dual authentication during the MemberNet® Online and Mobile Banking registration processes. In addition to validating personal information such as your birth date and last four digits of your Social Security number, we also send a password by phone, text or e-mail that must be used for registration.
  • We use SSL (Secure Sockets Layer) encryption, so that your account information and transactions are masked.
  • MemberNet uses a time-out feature, so that if you leave your computer or mobile device idle,  you will have to log back in again to continue accessing your account.
  • The MemberNet login process involves a multi-factor approach. In addition to providing a user name, password, and security questions, we also include a security picture and phrase.
  • We follow federal regulations designed to protect members from unauthorized transactions on accounts that may be accessed online. Specific information on these protections is available in the Electronic Funds Transfers disclosure.

What you should do to protect yourself:

  • Never reply to an e-mail or text message asking you for account information of any kind, including credit and debit card information.
  • Always remember to log out when you have completed your session, instead of just closing the page.
  • Choose a user name and password that combines upper and lower case letters, numbers, and characters.
  • Change your password periodically.
  • Make sure your computer has appropriate firewalls in place when completing transactions.
  • Make sure your computer is running a supported OS (Operating System) and that security updates are applied as available.
  • Download and apply security updates to your mobile browser when they are made available by your wireless provider.
  • Safeguard your login information. Never save your User ID and Password on your computer or mobile device. Do not leave your computer or device unattended during a banking session. Use password protection and turn off auto-complete features.
  • Monitor your account activity regularly by reviewing your regular statements and transaction history. Set up alerts in MemberNet to help you monitor your account.
  • Do not send confidential information (i.e. account numbers) in e-mail or text messages. Delete messages that contain account information, including balances, and any alerts you receive on a regular basis.
  • Do not open attachments from unknown or untrustworthy sources and be aware of the potential for fraudulent mobile banking apps.
  • If your mobile device is lost or stolen, contact us at 734-662-8200 or 800-968-8628 to disable mobile banking. Contact your service provider to report the lost/stolen phone and disable your wireless service.
  • Notify us as soon as possible if you become aware of an unauthorized transaction or suspicious activity. Refer to the Electronic Funds Transfers document you received at account opening, as well as your regular account statement disclosure, for specific information on limitations to your liability as well as timeframes for notifying us of an error or problem.

Additional steps that business owners should take:

  • Review potential risks due to the use of online banking and evaluate controls to ensure sufficiency.
  • Make sure passwords are secure and not written down or left where others can access the information.
  • Avoid using old passwords or passwords that are not complex.
  • Be aware of the possibility of internal fraud or theft. Conduct employee background checks as appropriate.
  • When an employee no longer works for your company, be sure to remove rights to access online accounts, change passwords, and update login information, if necessary.
  • Implement dual control processes, if possible.
  • Make sure appropriate firewalls are in place to protect your business from hackers.

Security Tip

Never reply to an e-mail or text message asking you for account information of any kind, including credit and debit card information. If you are unsure of the legitimacy of the contact, please call UMCU at
734-662-8200 and talk with a Contact Center Specialist for verification.

Common Scams

What to do if you fall victim:

  • Contact UMCU immediately at 734-662-8200 or 800-968-8628.
  • If you have disclosed sensitive information, also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file. This will prevent imposters from opening an account in your name. Listed are the contact numbers for each bureau's fraud division: Equifax, 800-525-6285
    Experian, 888-397-3742
    TransUnion, 800-680-7289
  • Report all suspicious contacts to the Federal Trade Commission through the Internet at
UMCU Online Banking loginUMCU Financial Calculators
Equal Housing Opportunity National Credit Union Administration
Federally Insured by NCUA.
734-662-8200 or 800-968-8628