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Protect yourself from frauds and scams

We’ll help you steer clear of scammers who can steal your identity—and your funds.

Learn What to Watch For

Scammers are constantly contriving new ways to steal your personal information and gain access to your bank accounts. Members Heritage works to stay on top of current scams so we can help you with identity theft protection.  Check out this quick, 2-minute video on how to protect yourself from fraud.

Latest Fraud Alerts

  • BBB Scam Alert: Top tricks used to scam older adults (4/29/2025)

    No matter the age we can all be victim to scams.  Read these tips to spot a potential scam that is targeting older adults.

  • BBB Tip: How to create a strong password (4/29/2025)

    How can you create a strong password?  Read this information to do just that!

  • BBB Scam Alert: That sponsored ad might be a scam. Here's how to tell. (4/07/2025)

    Read here about the ways to avoid sponsored ad scams.


Can You Spot a Scam?

Know the Red Flags:

The most common types of scams will target you through fake emails, text messages, voice calls, letters or even someone who shows up at your front door unexpectedly. No matter which technique the scammer uses, you may be:

  • Contacted unexpectedly by phone, email, text, direct message or pop-up with a request for personal information or money. Never click a link or download an attachment from someone you don't know. Members Heritage will never text, email or call you asking for personal or account information.

  • Fraud verification text or call will ONLY ask you if you did a transaction - Y or N.  You will NOT need to give any further personal information.

  • Pressured to act immediately with an alarming phone call, email or text that plays with your emotions. Scammers may pose as an employee from a familiar organization, such as Members Heritage and say there's a problem that needs immediate attention. Do not act unless you have verified the person who has contacted you and the story or request is legitimate.

  • Asked to pay in an unusual way, like gift cards, bitcoin, prepaid debit cards or digital currency, including Zelle® to resolve fraud. Members Heritage will never ask you to transfer money to anyone, including yourself and will never ask you to transfer money because we detected fraud on your account.

  • Asked to provide personal or account information, such as an account verification code, bank account number or PIN. When in doubt, don't give it out. Members Heritage will never text, email or call you asking for an account authorization code.

  • Offered a free product or 'get rich quick' opportunity that seems too good to be true? If something sounds too good to be true, it probably is. Never cash a check for someone you don't know.

Helpful Resources

The Consumer Financial Protection Bureau provides a number of resources to help you avoid fraud and scams.

  • Fraud and Scam Basics
  • Common Types of Scams
  • How to Spot Identity Theft
  • Protect Yourself from Frauds and Scams

 

Additional resources to protect your business:

At Members Heritage we recognize how important your online safety is and offer further resources here.

Protect Your Business from Fraud

Businesses can also be vulnerable to scams and frauds. See what scams are trending in your area by using the Better Business Bureau Scam Tracker.

Scam Tracker

Identity Theft Resource Center

Tips to help consumers and business protect their online identity link

Learn More

US Department of Justice

Consumer and Business advice on protecting your identity.

Learn More

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440 Park Place
Lexington, KY 40511

Phone 859.259.3466 or 800.359.3466

NMLS # 479401

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This Credit Union is federally-insured by the National Credit Union Administration.

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© Members Heritage Credit Union 2025 .

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