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Security Resources

Protect Yourself – And Your Finances

Your security is our top priority. Discover how to reduce your risk of identity theft and potential financial loss.

Identity Theft and Fraud Prevention

Identity theft is a growing problem, and millions of Americans have their identities compromised and used fraudulently each year. Explore these resources to help protect yourself from identity theft and fraud, and learn what to do if you think your identity has been stolen or compromised.

Keep Your Sensitive Information Safe

Keep Your Sensitive Information Safe

If you receive an email or phone call requesting verification of your personal or account information, DO NOT provide that information. South Bay Credit Union will NEVER ask for the following personal or account information via email, unsolicited phone calls, or text messages:

Social Security number

Social Security number

Account numbers or passwords

Account numbers or passwords

Security questions

Security questions

Personal identification number (PIN)

Personal identification number (PIN)


Monitor Your Credit

The Fair and Accurate Credit Transactions Act allows consumers to request one copy of their credit report for free every year from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion).

South Bay Credit Union members can check their current credit score for free in It’sMe247 online banking, our Mobile Banking App, or SavvyMoney.

South Bay Credit Union members can check their current credit score for free in It’sMe247 online banking, our Mobile Banking App, or SavvyMoney.

Visit AnnualCreditReport.com to request your free credit reports and make sure that all your information is correct and up to date.

Visit AnnualCreditReport.com to request your free credit reports and make sure that all your information is correct and up to date.

Monitor Your Credit

Contact Us Immediately

If you think your South Bay Credit Union account has been compromised or you need to dispute a fraudulent transaction, please call our Fraud Direct line immediately at 310.374.3436, ext. 14.

Report & Recover From Identity Theft

Report & Recover From Identity Theft

If you think someone is using your personal information to open accounts, file taxes, or make purchases, the Federal Trade Commission’s website IdentityTheft.gov includes an interactive checklist to help you report and recover from identity theft. The FTC’s website is also available in Spanish.

Place a fraud alert and close accounts.

Place a fraud alert and close accounts.

Remove fraudulent charges from your credit report.

Remove fraudulent charges from your credit report.

Create a personalized recovery plan.

Create a personalized recovery plan.


Tips to Avoid ID Theft and Fraud

Review these tips to help keep your personal information safe, online and off.

Keep your credit and debit cards, checkbooks, and Social Security card in a safe place. Make a copy (front and back) of your credit cards so if your cards are lost or stolen, you’ll be able to notify the card issuer immediately. Always shred personal documents that are no longer necessary.

Watch out for pickpockets. Purses should be carried tightly and close to the body, and wallets should be carried in the front pocket. Be aware of your surroundings when checking out at a store or using an ATM. Make sure a “skimming” device is not installed on the card reader to capture your card data.

While shopping online, make sure the merchant’s website is secure by checking for the “lock” icon on your browser and checking that the URL starts with “https” (unsafe sites are missing the “s”). Make sure your antivirus software and firewalls are up to date for maximum protection.

Create unique passwords for each account and regularly update them. Never write your PIN down or keep it in your wallet, and make sure it can’t be easily guessed. You may want to use an online password manager for extra security.

Protect yourself and your finances from scammers who want to steal your money and your identity. Common scams include phishing emails, government imposters, online dating hoaxes, fake sweepstakes, and charity scams. If you are questioning an organization’s legitimacy, check out sites such as www.charitywatch.org, www.charitynavigator.org, or www.bbb.org.