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Identity Theft prevention

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As credit and debit card fraud continues to rise nationwide, the need for Fraud Prevention Services has become increasingly necessary.


What is identity theft?
Identity theft is defined as the process of using someone else’s personal information for your own personal gain. ID theft can happen to anyone, and it can come in all shapes and sizes.

According to the FTC, there are more than 30 types of identity theft affecting millions of Americans each year. For example:

  • Your credit card digits could be stolen and used to make online purchases
  • A thief could impersonate you to open up a loan in your name
  • Someone could use your personal information to apply for a job.

What is GFCU doing to protect its members?

At Guthrie Federal Credit Union we are dedicated to protecting your privacy. We have taken several steps to combat fraud and to limit the possibilities of any identity theft. This includes a fraud prevention service that detects any unusual activity on your credit or debit cards, credit monitoring, and a thorough ID check when opening accounts or making transfers. 

Fraud Prevention & Monitoring

Please give us a call if you are planning a trip outside your regular area.  We employ sophisticated fraud security on your credit and debit cars.  Unusual activity outside your regular area may cause your card to be blocked from usage.  Simply call GFCU when you schedule a trip and we can create a Travel Notification in advance so your card will not be blocked while traveling.  Travel Notifications can be used for anytime you travel out of your regular area and be can set up in advance.  When requesting a Travel Notification we will need your card type, number, contact information while traveling, travel dates, and destination.  We appreciate your understanding and cooperation in helping us prevent fraud.

If you are traveling out of your regular area and your credit or debit card transactions are denied due to a fraud block, you will need to contact VISA or MasterCard directly to have the fraud block removed.  Guthrie FCU is unable to assist in removing fraud blocks due to security reasons.

The numbers for the Fraud Prevention & Monitoring services are:

Debit MasterCard:

Domestic:  888-241-2440

International:  909-941-1034

VISA Credit Card: 


If you suspect your credit or debit card is lost or stolen, please click here

Identity Recovery

In addition, Guthrie Federal Credit Union has partnered with the nation’s most trusted names in Identity theft protection to provide identity recovery services to eligible covered group members.  IDSafeChoice protects you if you fall victim to identity theft for any reason.  For a low $1 per month fee IDSafeChoice includes:

  • Your own personal recovery advocate
  • Comprehensive research and recovery plan
  • Complete documentation of all incidents of fraud
  • Forms completion, filing and follow-up
  • Advocate contacts all agencies, institutions, etc.
  • No time limit – complete restoration

IDSafeChoice is available to Guthrie FCU members who have an active share draft (checking) account.  If you are currently enrolled and suspect that you have been the victim of identity theft, please contact us to begin the recovery process.

What can I do to protect myself?

There are a few simple steps you can take to limit your exposure to these crimes:

  • Don’t give your account number and credit union routing information to anyone you don’t know.
    Give out your account information for transactions only if you are familiar with the company you are dealing with. And if you have not done business with a company before, give out account information only if you have initiated the transaction. Criminals may ask you for your bank account number and then withdraw money from your account by creating a demand draft (sometimes called a "remotely created check") or making an electronic transfer. They may also ask for your debit or credit card number and other personal information. Don’t fall for these scams and don’t let yourself be pressured into "free trial offers." To be removed from telemarketing lists, sign up for the National Do Not Call Registry online ( or by calling, toll-free, 1-888-382-1222. 
  • Review your monthly statement.
    Make sure all the checks, debits, automatic payments, and other withdrawals are ones you authorized. If you see a transaction you did not authorize, notify your credit union immediately. If your credit union has online banking, you don’t have to wait until your credit union statement comes--you can check your transactions at any time. 
  • Notify Guthrie Federal Credit Union about any problems as soon as possible.
    The sooner you alert us to a problem, the sooner they can get it resolved. In some cases, your credit union may require you to notify them in writing. Keep copies of any documents you give the credit union until the problem is resolved. If you think the problem is a result of fraud, you should also contact your state attorney general. 
  • If you don’t have enough money in your account, don’t write the check or authorize the debit.
    Checks are being processed more quickly these days, which means the money may be debited from your account sooner. Also, many stores and utility, insurance, and credit card companies will convert your check to an electronic payment, which also means the money will be debited from your account sooner. If you don’t have enough money in your account when you write a check or authorize a debit, you could find yourself paying a fee. For more information, see the Federal Reserve Board’s publications "What You Should Know about Your Checks" and "Protecting Yourself from Overdraft and Bounced-Check Fees."
  • Know your rights under consumer protection laws.
    If you have a problem with an electronic debit or electronic fund transfer, you have certain rights under the federal Electronic Fund Transfer Act (EFTA), as explained in the Board’s "Consumer Handbook to Credit Protection Laws." You also have rights under the EFTA if you have a problem with a check that has been converted, as described in the Board brochure "When Is Your Check Not a Check?" The Federal Trade Commission’s publication "Automatic Debit Scams (175 KB PDF)" explains your rights and what to do if you have a problem with a demand draft or remotely created check.

Don’t be one of the 10 million Americans a year who have their identity – and money – stolen.