Scam alerts

Stay informed

Common scam patterns and what to do if something feels wrong.

Awareness guide

Scam awareness

What to watch for

Scammers commonly send emails or texts that imitate a credit union and urge you to click a link to “restore access,” then harvest usernames, passwords, or one-time codes on a lookalike website.

Warning signs

  • Urgent language about locked accounts or unusual login attempts
  • Links that do not match OnPoint’s official domain
  • Requests for passwords, full card numbers, or one-time passcodes
  • Poor grammar, generic greetings, or unexpected attachments

What to do

  • Do not click the link or enter credentials
  • Open Digital Banking only from this official website bookmark
  • Contact Member Services using a published phone number if you are unsure
  • Report the message as phishing in your email or messaging app

Need help? Call Member Services at 800.527.3932

Awareness guide

Example: Impersonation request to send money via Zelle or similar payment apps

What to watch for

A frequent scam involves someone posing as a family member, romantic interest, employer, or “fraud department” and pressuring you to send money quickly through person-to-person payment services. Payments of this type are often difficult or impossible to reverse.

Warning signs

  • Requests to act immediately and keep the transfer secret
  • Stories involving emergencies, gift cards, crypto, or refund “tests”
  • Callers who ask you to move money to “protect” your account
  • Reluctance to let you hang up and call the person back on a known number

What to do

  • Pause and verify the person’s identity through a separate trusted channel
  • Remember that financial institutions will not ask you to send yourself money to prevent fraud
  • Do not share one-time codes used for payments or login
  • If money was sent, contact your financial institution and the payment service promptly

Need help? Call Member Services at 800.527.3932

Awareness guide

Example: Phone impersonation of Member Services or law enforcement

What to watch for

Callers may spoof caller ID and claim to be from a credit union, card network, or government agency. They may ask for remote access to your device, card PINs, or verbal authorization to move funds.

Warning signs

  • Unsolicited calls demanding immediate action
  • Requests for remote desktop software installation
  • Pressure to withdraw cash or purchase gift cards
  • Threats of arrest, account closure, or legal action if you do not comply

What to do

  • Hang up and call back using a phone number published on OnPoint’s official website
  • Never grant remote control of your computer or phone to an unexpected caller
  • Never share PINs, passwords, or one-time authentication codes
  • Report suspected fraud using OnPoint’s published member assistance channels

Need help? Call Member Services at 800.527.3932