
Your security is our priority.
Protect yourself from phone scams!
- Requesting access to your computer remotely.
- Asking for your Online Banking username or password, card number, PIN, CVV code, or other personal information.
- Asking you to give verification codes sent to you in email or text that you did not initiate for services such as online banking or bill pay.
- Requesting payment by wire transfer, Venmo, Cash App, gift card or other payment services.
National Consumer Protection
Fraudulent Unemployment Insurance Claims
The U.S. Secret Service and the FBI have both circulated information concerning large-scale fraud against multiple state unemployment insurance offices involving the use of stolen personal identifiable information (PII). The crime ring is submitting fraudulent state unemployment claims on behalf of U.S. citizens who, in most cases, have not been laid off. The criminal submits a fraudulent unemployment claim and request that deposits be made into accounts that have no connection to the individual in which the claim is being filed for. As soon as the deposit(s) are made, the account holder is informed to transfer the money elsewhere. Please monitor your accounts for any unusual or unauthorized transactions, and be aware of schemes that request you to receive direct deposits from out of state unemployment offices.
Travel Alerts
Identity Protection
Preventing Elder Financial Abuse
See most recent fraud alerts below and tips to protect yourself.
- Scam artists are convincing and use pieces of information to convince consumers that they are calling for legitimate purposes. If you receive a call requesting personal information, hang up. You can initiate a call back to the Credit Union. NEVER use a number provided by a caller. Always use a number that you obtain from a business directory or EFCU's website.
- We will not send Text Messages requesting personal or account information. NEVER respond to a text request for personal information.
- Email communications may appear official, but often they are not. NEVER click a link or open attachments within an email that you are not expecting from the Credit Union. When in doubt, contact our Call Center at 865-482-0045 to confirm that we originated the communication. Do not reply or click links until the communication is validated.
- Be especially mindful of communications that request personal information or make offers via links that are not legitimate. Always validate and confirm numbers through a source other than those provided by a caller, email or letter.
- Letters may be generated that appear to be from EFCU. Remember, we never request your personal information. If you receive a letter requesting a reply or information update that you are not expecting, do not respond without contacting your Credit Union. Also, NEVER use phone numbers, email addresses or web links provided in any communication. Always validate these personally through another source.
- Review your account(s) on a regular basis to confirm that all transactions are legitimate and were authorized by you or another account owner. You can monitor your accounts and transactions easily through online, mobile or telephone banking. Transactions through our self-serve channels are available in a timelier manner than monthly paper statements.
- Report any suspicious transactions immediately by contacting the number on the back of your card to report any fraudulent transactions.
- Ensure that EFCU has your most current contact information including mailing address, email address and telephone numbers. We make every effort to contact members that may need direct assistance and often email and telephone are the quickest and most effective formats to contact members.