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alert Fraudulent Emails

121 Financial does not send out emails asking you to click a link to confirm deposits, wires, etc. into your account. Should you receive a suspicious email, please do not click any links or provide any personal information. Just give us a call at our published phone number and we'll be happy to assist you.

121 Financial Credit Union will never send you an email that asks you to click on a link to “update” or “confirm” personal information such as your social security number, passwords or account numbers.

If you are unsure about that an email came from us, please forward to and we will verify it for you.

Fraud Alert - Updated 3/26/15
NCUA Warns Consumers about Telephone Spoofing Scam

A warning has been issued by the NCUA to alert consumers that texts they receive from an agency telephone line, 703-518-6301, asking for personal information are not coming from the agency. This attempted fraud scam is called “spoofing.” The texts may warn of a debit card reaching its limit or use some other trick to persuade individuals to provide personal information or go to a malicious website. Consumers should not click on links in the message, provide information to any websites referenced in the message nor attempt to conduct any financial transactions through those websites.

Fraud Alert - Updated 3/17/15
NCUA Warns Consumers about “National Credit Union” Phishing Scam

Website Uses Logo Similar to NCUA’s, Mimics Website Design and Language

ALEXANDRIA, Va. (March 17, 2015) – The National Credit Union Administration has received reports of an online phishing scam that uses a website with a logo and a design similar to the agency’s own site in an attempt to convince unwary customers to provide information or send money.

Consumers have received emails from the National Credit Union website, which apparently originates in Australia and claims to offer services in the United States, Europe and the Commonwealth of Independent States. This website is not affiliated in any way with the National Credit Union Administration, a federal agency, and the emails are not from NCUA.

The emails attempt to persuade individuals to provide personal information, such as Social Security numbers, account numbers and login information, or transfer large amounts of money. Consumers should neither provide information to this website nor attempt to conduct any financial transactions through it. NCUA would not request personal or financial information in this manner. See NCUA’s Privacy Policy for more information.

Consumers receiving such emails should call NCUA’s Fraud Hotline toll-free at 800-827-9650 or 703-518-6550 in the Washington, D.C., area. Consumers should also contact the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center. NCUA also offers information about avoiding frauds and scams on its website.

Consumers who suspect they may have become victims of identity theft should immediately contact their financial institutions and, if necessary, close existing accounts and open new ones. NCUA urges consumers also contact the three major credit bureaus—Equifax (800-525-6285), Experian (888-397-3742) and TransUnion (800-680-7289)—to request a fraud alert be placed on their credit reports.

Fraud Alert - Updated 1/22/14
NCUA Phone Scam

What it is: Automated calls claiming to be from the NCUA falsely alert consumers that their debit cards have been compromised. The consumers are asked to follow prompts which request personal information including sensitive financial data. This call may appear to be from NCUA as criminals have ways of spoofing legitimate phone numbers to make them appear on your Caller ID.

Who is targeted: Credit Union members

What to do if you receive this call: Hang up and contact the NCUA's Consumer Assistance Center Hotline at 800-755-1030 or by email at to report the scam. Operators answer calls Monday through Friday between 8 a.m. and 5 p.m. (ET).

What to do if you were scammed by this call: Please call your financial institution immediately and let them know.

Note from NCUA: “NCUA neither seeks personal information from consumers over the telephone nor handles day-to-day maintenance of member account information. NCUA works with law enforcement agencies, including the FBI, to protect consumers from frauds of this nature. NCUA urges consumers to never verify or release personal financial information to unknown callers.”

Fraud Alert - Updated 12/27/13
Security Breach Affecting Target® Customers’ Debit and Credit Cards

We are actively monitoring the Target debit and credit card data compromise. Our primary focus is keeping your information secure. We have sophisticated detection tools that monitor your accounts, 24 hours a day, 365 days a year.

Important things to know:

The compromise affected purchases made at U.S. Target stores (not online) between 27 November and 15 December. This includes all major debit and credit cards (Visa, MasterCard, Discover, American Express, etc.).

  • 121 Financial’s “zero liability” policy ensures that you are not responsible for unauthorized purchases made on 121FCU's debit or credit cards, whether you shop in a store, over the phone, or online.
  • There is no need to call or cancel your card at this time. If we detect suspicious activity we will notify you and, if necessary, send a replacement card.

What you can do:

  • Always review your debit and credit accounts on a regular basis, either online or using our mobile app. Report any unauthorized transactions immediately by calling us at 904-723-6300 or call the number on the back of your card.
  • Be on the alert for scammers trying to capitalize on this issue.  Should someone call, write, email or text you regarding your debit or credit card, do not provide them with any personal information, card numbers, or PINs.  Instead, either call us directly or the number on the back of your card to discuss the issue.

We will continue to provide you with updates and more information as it becomes available to us.

Fraud Alert - Posted 12/19/13
Security Breach at Target®

Reports of a security breach affecting Target® customers have prompted many calls to our Call Center. To help put your mind at ease 121 Financial Credit Union monitors all card activity and has procedures in place to block and reissue cards as necessary. Visa is also pro-active in catching fraudulent activity.

To be prepared, put the following numbers in your phone if you have a 121 Financial Debit Card: 866.262.8981; 121 Financial Visa Credit Card: 866.820.3097. These are the after-hours numbers to call if you find your card(s) have been used fraudulently. Visa may also detect unusual charges and call you to verify. If you are concerned the call itself may be fraudulent, hang up and call the numbers listed above or on the back of your card to proceed.

As always, please monitor your accounts closely and contact us immediately if you notice any suspect transactions. Your financial safety and security is our priority.

Fraud Alert - Posted 12/11/13
IRS Warns of Phone Scam

IRS Special Edition Tax Tip 2013-13, November 7, 2013

The IRS is warning the public about a phone scam that targets people across the nation, including recent immigrants. Callers claiming to be from the IRS tell intended victims they owe taxes and must pay using a pre-paid debit card or wire transfer. The scammers threaten those who refuse to pay with arrest, deportation or loss of a business or driver's license.

The callers who commit this fraud often:

  • Use common names and fake IRS badge numbers.
  • Know the last four digits of the victim's Social Security number.
  • Make caller ID appear as if the IRS is calling.
  • Send bogus IRS emails to support their scam.
  • Call a second time claiming to be the police or DMV, and caller ID again supports their claim.

The truth is the IRS usually first contacts people by mail ? not by phone ? about unpaid taxes. And the IRS won't ask for payment using a pre-paid debit card or wire transfer. The agency also won't ask for a credit card number over the phone.

If you get a call from someone claiming to be with the IRS asking for a payment, here's what to do:

  • If you owe federal taxes, or think you might owe taxes, hang up and call the IRS at 800-829-1040. IRS workers can help you with your payment questions.
  • If you don't owe taxes, call and report the incident to the Treasury Inspector General for Tax Administration at 800-366-4484.
  • You can also file a complaint with the Federal Trade Commission at Add "IRS Telephone Scam" to the comments in your complaint.

Be alert for phone and email scams that use the IRS name. The IRS will never request personal or financial information by email, texting or any social media. You should forward scam emails to Don't open any attachments or click on any links in those emails.

Read more about tax scams on the genuine IRS website,

Fraud Alert - Posted 12/05/13
Scam: Fake Anti-Scam Verification Emails

A new form of scam letters pretend to be anti-scam verification emails. They are similar to the one below:

These emails are an attempt to compromise your computers. While this is an American Express Phishing attempt, they can take almost any other form. If you receive one of these or similar emails that you are suspicious of, respect that suspicion. Ask yourself a few questions:

  • Is this an email that would normally be sent to me?
  • Does the company it says it's from normally send emails about this subject? (i.e. does UPS usually send emails over a missed delivery? Does the IRS usually send an email to ask you if you've committed tax fraud?)
  • Hover over the link in the email. Does the URL that pops up in the balloon match where it says it came from? (Notice in the one above it's from American Express but the link goes to
  • Are there any typos in the message? (Notice the parenthesis before the copyright notice. They tried to type (c) thinking it would autocorrect to ? and didn't notice when it failed.)

If you receive any of these or similar emails do not click on any links or attachments. Please just delete them.

When in doubt, call the number on the back of your card ? NOT any number listed in the email. The same goes with voice mail messages. Call the number on the back of your card.

Fraud Alert - Posted 10/08/13
Scam Text from Southern Commerce 631-789-6669

((Southern Commerce
Fraud alert (490426xxxxxxxxxx)L
Imited. Call (631-789-6669)

Message when member dialed back:
There's a problem on your debit card, if you'd like to reinstate it please press 1
When pressed 1 it asked for debit card number (and member hung up)

Fraud Alert - Posted 8/19/13
Phone Credit Card Offer

Freedom 1st National Bank is a fictitious entity used as part of a scheme that involves soliciting consumers for semi-secured credit cards through the U.S. mail. Potential victims receive solicitations and program agreements, which may mention that Credit One Bank, N.A., is connected with the card agreement. Credit One Bank, N.A., has no connection to this entity. Victims then submit check payments in amounts ranging from $500 to $900 as deposits to obtain a semi-secured credit card with the understanding that he or she is entering into a program to rebuild poor credit. The checks are cashed and the victims never receive the anticipated credit card.

Fraud Alert - Posted 8/12/13
Double-Check Email Addresses

Before you open email you think may be from 121 Financial Credit Union, double check to make sure the sender’s email address ends in simply .org

If the email address ends in or .hk or or .in or or .cn or anything similar, these are foreign and not from our credit union; they are fraudulent emails. A legitimate email from a 121 Financial Credit Union email address will ONLY end in If you receive something from (name) or (name), for example, it is NOT legitimate email from our credit union. Double check the sender’s email address in your emails to help you identify potential scams.

Fraud Alert - Updated 6/19/13
Re: Debit/Credit Cards

Scammers are trying to get consumer debit card information by calling and falsely stating your debit card has been suspended. Calls that are NOT from the official Visa fraud line, 1-866-262-8981, should be disconnected immediately. If you have provided any information to a caller not from the official Visa number, please contact member services during regular business hours at 904-723-6300 and press 6, or dial 1-866-262-8981 — Visa’s ONLY official number for fraud.

Fraud Alert - Posted 5/28/13
Re: Debit/Credit Cards

If you receive an automated phone call from 702-944-8444 telling you that your debit card (or credit card) has been suspended, DO NOT provide any information, or call the number back. Simply hang up.

If you have a debit or credit card from 121 Financial CU, you may call to verify everything is OK with your card(s).

Fraud Alert - Posted 4/11/13
Airlines Flight Confirmation Scam

In the event you receive an email notifying you of a flight confirmation that you did not make with American Airlines, please beware this is an attempt by crooks to steal your personal information. It does not mean that your account has been compromised. Crooks are having to think of more and more ways to fool consumers, and using “real” flight numbers is just another way to trick you into revealing your account & other personal information. If you have any questions, you can visit the American Airlines website for more details on this phishing scam at

Fraud Alert - Posted 3/28/13
Phishing Scam Using Agency Name

ALEXANDRIA, Va. (3/28/13)

The National Credit Union Administration (NCUA) has warned of anew phishing scam using the agency’s name in an attempt to obtain consumer debit card account numbers.

The scammers have set up an automated message, claiming to be from the NCUA, which erroneously informs consumers that their debit card has been deactivated. The consumer is then instructed to press 1 on their phone, and enter their 16 digit account number, to reactivate their card.

Consumers should be aware this is not a call from NCUA, and if they receive it, should notify NCUA's Fraud Hotline, toll-free, at 800-827-9650 or 703-518-6550 in the Washington, D.C., area, the agency said.

Fraud Alert - Posted 3/12/13
Unauthorized Withdrawals

The Credit Union has been notified of unauthorized withdrawals of $29.95 that are being withdrawn from members accounts. The company that is doing the withdrawals is called Web World with a telephone number of 1-877-830-9381.

It is extremely important that you review your account to determine if this type of withdrawal has been taken from your account. If you discover this withdrawal and you did not subscribe to this company it will be necessary for you to complete the proper documents so the amount can be returned. Your checking account will need to be closed so this withdrawal does not occur on a monthly basis. Please contact the Credit Union at 904-723-6300. We have been informed this is occurring at numerous financial institutions, so you will want to check all your accounts.

Tax ID Theft - Posted 02/07/13
One million fraudulent returns expected
Source: CUNA

Although the Internal Revenue Service (IRS) has stepped up efforts to spot fraudulent tax returns filed by thieves, expect an explosion in tax identity theft and know that the burden falls on you to protect yourself (Kiplinger’s Jan. 28).

According to a recent National Taxpayer Advocate report to Congress, tax-related ID theft has increased 650% since 2008 ( Jan. 25). About 940,000 tax returns were filed fraudulently during the 2011 tax year, and the number is expected to reach one million for the 2012 tax year. The sudden boom has caught filers and tax experts off guard.

Scammers hope to beat you to the punch and file before you do. They steal year-end statements, W-2s and other documents containing personal information to file a return in your name. Their preferred method of receiving your refund is prepaid cards because they’re just like cash.

Avoid becoming a victim:

  • Monitor the mail. Watch for your W-2, 1099, and other tax forms. Follow up with the financial institution if you haven’t received the forms and ask when they were mailed. If you suspect fraud, call the IRS Identity Protection Specialized Unit at 800-908-4490, ext. 245.
  • Ignore IRS emails, texts. The IRS does not use e-mails or texts to contact you, so don’t respond. If you click on an attachment that purports to be from the IRS, it may contain a virus or take you to a fraudulent site. Forward suspect e-mails to
  • Watch for pop-ups. When filing taxes online, be suspicious of out-of-place pop-ups or a slow-running computer.
  • Secure your refund. Choose direct deposit to avoid lost or stolen checks.
  • Send your return safely. File online if you can. If you file by mail, never put your return in an unsecured mailbox, an office mailbox, or outgoing mail bin at work. The envelope says “tax return” and can easily be snatched. Take the return directly to the post office and use certified mail.
  • Choose preparers carefully. Scammers may pose as tax-preparation companies offering to review your return for errors, but instead they steal your information and your refund. Verify the status of the preparer’s license with the Better Business Bureau and the IRS Office of Professional Responsibility at
Holiday Scam Alert - Posted 12/05/12

Don’t let scams ruin your holidays. Here are some tips to avoid scams. Click here for details.

Fraud Alert - Posted 10/30/12
Text Scam About Blocked Credit Card

The following text scam is going around. The text may read something like:

“After the power loss from October 29th your ____ [could be any Financial Institutions] credit card has been blocked. Please call the number below to reactivate your card ”

Please do not call the number in the text, it is a scam to get your information. You may call your financial institution (or the number on the back of your card) if you have any questions.

Fraud Alert - Posted 04/04/12
Global Payments Breach

In the wake of a recent debit/credit card breach involving Global Payments, Inc., a debit and credit card processor, the next several days or weeks are critical for consumers to be on the alert for any suspicious emails, text messages or phone calls requesting personal or financial information, especially card data including the following:

Cardholder Billing Address
3 digit CVV2/CVC2 code found on the back of the card
Enrollment criteria/passwords for Verified by Visa or MasterCard SecureCode

None of the information above was part of therecent Global Payments breach, so criminals may ask you for this information to add to the other card data they may have obtained from the breach to use your card number fraudulently.

To protect yourself, never respond to emails, text messages or phone calls requesting this type of information. If you receive a suspicious request, immediately contact us, or the financial institution that has issued your card(s). Your financial institutions will never ask for any of this information in an email, text or phone call.

Fraud Alert - Posted 11/07/11
Security Fraud Department Fake Calls

If you receive a phone call from someone claiming to be from a "Security Fraud Department" (they could claim to be from any bank/credit union), you should hang up and call your financial institution at their published number. Don’t give them, or enter your account number (or debit card number) "to continue." It is a scam to capture your card number.

Fraud Alert - Posted 11/02/11
Unrequested Cash Back

Double-check Receipts for Unrequested Cash Back.Unscrupulous clerks are adding cash back to receipts when credit or debit cards are used. Be sure to watch the total on the cash register and check your receipt before walking away from a check-out register. If the customer does not notice cash back being added to the receipt, the clerk pockets the money or in some cases passes it to a friend that is standing behind you in line. Be sure to check your receipt before you leave the counter and if it happens to you, don't leave until the issue is resolved, no matter how long the line is behind you. Once you walk away, you have agreed to the transaction!

Double-check Gift Card Purchases. When purchasing a gift card, check that the number on the card corresponds with the one on your receipt. Dishonest clerks have been making a switch with the cards by dropping the one you handed them after they activate it for the amount you requested. They then pick up a card that has not been activated and they have the card you just paid for. Again, verify before leaving the counter.

Fraud Alert - Posted 6/02/11
Fraudulent Text Alerts

Fraudulent text alerts are being sent out claiming to be from 121 Financial. These texts tell you to call 1-866-225-0691 to confirm a transaction. You should neither call this number nor give out any personal information over the phone in response to this text or any other toll-free number not associated with 121 Financial. If there is suspicious activity on your card(s) you will receive a call from one of the following numbers: Credit: 1-888-918-7313, and for debit: 1-866-262-8981. You may wish to save these numbers in your phone. If you responded to a text message like this please call the credit union immediately at 904-723-6300.