Actions for You


Monitor Your Credit Report

Your credit report may affect mortgage rates, credit card applications, or even some job applications. Reviewing your report annually helps you catch signs of identity theft early. You can receive your free annual credit report from any three of the major bureaus (Equifax, Experian, and Trans Union) through www.annualcreditreport.com. 

Note: Your credit report does not include your credit score.

ACCESS Credit REPORT


We highly recommend reading "Credit Scores & Reports: Getting the Most out of a Useful Financial Tool" to learn everything from creditworthiness, disputing errors, tips, and more.

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Set up Custom Card Alerts

SHAZAM BOLT$ is a free fraud transaction alerting, balance monitoring and ATM locator application for UCB debit card holders. You can download their mobile application in your app store.

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Protect Your Device

  • Keep your device’s operating system, software, and apps up to date – be sure to go the company’s website to confirm the update is legitimate
  • Install and regularly update anti-virus software on your desktop, laptop, and tablet
  • Set up a password for your device and lock it when not in use
  • Do not install or run any program or app on your device, unless it is from a trusted source
  • Before you sell, donate, or trade in your device, make sure to wipe it or do a factory reset on it. This option can typically be found under a settings or control panel.


Protect Your Information

  • Create cOmplic@t3d passwords and change them at least 3 times a year
  • Always log out when finished using a UCB online or mobile banking service
  • Never store personal or financial information, including passwords, on your device
  • Be cautious using public Wi-Fi, as even reputable hot spots can be compromised
  • If you use the Mobiliti App and lose your device, you can easily disable the app in your Online Banking account
  • Don’t click links in spam emails – even those forwarded to you by someone you know
  • Monitor your financial statements regularly for unexplained activity and promptly dispute any activity that looks suspicious. Using our free online banking service allows you to monitor your accounts in real time.
  • Periodically check your credit report to make sure all your personal information is accurate (see below)
  • Sign up for account activity alerts and we will notify you when certain account activity occurs

READ OUR PRIVACY POLICY


Want to learn more? VIEW SAFETY TIPS


What We Do


Notify You of Suspicious Activity

We offer Falcon Fraud Debit Card Protection: a program that senses potential fraud or unusual activity with a customer's debit card. You will be notified of potential fraud as it is identified and may be asked to verify the transaction. This service is of no cost to you.


Offer a Discounted Identity Theft Program

Enroll in Deluxe Provent Identity Theft Program, an online service to protect yourself and your family from identity theft and fraud--also available via an app. Discount applies to customers with a UCB checking account.



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Wondering banks are doing to protect consumers?


Scam Alert!


Beware of IRS Imposter Scams

With tax season here, scammers try to get money out of consumers by posing as the IRS. View the FTC's infograph to learn more.

VIEW INFOGRAPH


Beware of Tech Support Scams

Consumers are now receiving calls from fraudsters, claiming to be from tech support companies, warning them that their computer is infected or damaged and needs to be repaired immediately. Then they attempt to gain remote access to the users' device or sell them phony software. DO NOT give control of devices or provide financial account information to anyone claiming to represent a tech support company. You should call them at a number you know to be correct--they won't call you. Remember to:


  • Look carefully at your software instructions to make sure it is properly installed and activated
  • If you paid for bogus tech support services or software with a credit card, call your credit card company to reverse the charges
  • Get rid of malware by downloading legitimate security software and delete anything that it finds as a problem.
  • Change any passwords that you gave out.

Want to learn about common and clever scams to protect yourself? Visit the Federal Trade Commission's alert board: www.consumer.ftc.gov/scam-alerts

Has Your Identity Been Stolen?

  1. Call us and your credit card issuers immediately.
  2. Place a fraud alert.
  3. Order credit reports.
  4. Create an identity theft report.

LEARN MORE



Report a Lost or Stolen Card

If you believe that your card has been lost or stolen, give us a call at 218.346.5700 as soon as possible. If it's after normal business hours, please call


  • Shazam Visa debit cards: Fraud line: 866-508-2693 (lost or found card) 800.383.8000
  • Prepaid Visa card:  800.486.0292
  • Elan Visa credit card: 800.558.3424


Report Fraud

To report fraud on your UCB account or if you have any questions, call us at 218.346.5700.

Contact one of the three major credit bureaus to place a fraud alert on your credit report, as well as a victim's statement asking that creditors call you before opening new accounts or charging existing ones. 

As required by law, that credit bureau will report the information to the other two bureaus for you. You should also:

  • contact creditors for any accounts that have been affected
  • always follow up with a letter and keep copies of everything
  • close affected accounts and assign passwords to new ones


Report Phishing

If you ever receive a suspicious piece of communication supposedly from us, please call us to confirm it.


Report a Scam

The Federal Trade Commission wants your help in detecting patterns of fraud and abuse. 

REPORT SCAM

Online Shopping Tips

  • Use secure, unique passwords.
  • Use a single card for online purchases (preferably a credit card) and monitor purchases regularly.
  • Don't use public computers for online shopping.
  • Beware of phishing ads or popups for deals that seem too good to pass up.
  • Make sure you are on the official store website, and not a fraudulent look alike site with similar URL.

Travel Safety Tips

The FDIC's Consumer News has great tips on being financially safe while travelling. 

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