Security and Fraud Prevention
Keeping your money safe is our top priority! In addition to having top-notch security, a big part of ensuring your money is protected is giving you the knowledge to thwart scammers' schemes.
A Reminder to our Members
4Front employees will never ask you for the following personal information to verify your identity:
- Full debit or credit card number or PIN
- Online or Mobile Banking login credentials
- One-time verification code
If you are contacted by someone requesting this information, end the communication and contact us directly by stopping by a branch or calling our contact center at 800-765-0110. If you suspect your account has been compromised, we recommend that you change your Online and Mobile Banking passwords and call us immediately.
Add additional security to your account!
- e-Alerts/e-Notifications: Set up text messages or email alerts to monitor cleared checks, balance limits, and more.
- Card Control: Toggle your 4Front cards off and on, set spending limits, restrict merchants, and set travel notices.
- e-Statements: Get your statements faster and more securely through online banking or the 4FrontGo mobile app.
The Different Faces of Fraud
Fraud doesn't just have one look. It comes in many forms, and fraudsters continue to try to seek new ways to scam others.
Identity Theft
Learn ways to prevent and reduce your risk of identity theft.
Card Skimming
Read how to spot the signs of one of the largest fraud threats.
Email Phishing
Learn tips on how to spot phishing scams and protect your information.
Employment Scams
Employment Scams are on the rise. Here's how to protect yourself.
Credit Repair Offerings
Read about the warning signs and how to repair your credit the right way.
Imposter Scam
Learn the warning signs and what to do if you believe you've been targeted.
Romance Scam
Protect your money and heart. Learn more about the red flags of a romance scam.
Money Mule
Learn the telltale signs of a money mule scam.
Take Action
Report Fraud
Protect your community by reporting fraud, scams, and bad business practices.
Report Identity Theft
IdentityTheft.gov can help you report and recover from identity theft.
Register for Do Not Call
The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls.
Current Alerts
Letters are circulating that claim to be from us and state that members' accounts have been compromised. In the letter, the scammer asks the recipient to call a number that is NOT associated with the credit union. If the number is called, the scammer continues to pretend to be a 4Front team member to gain access to the member's account. Please remember, if you have any doubts about the legitimacy of a letter, call 800-765-0110.
Here's an example of the letter and things to look out for:
- This letter is not on the official 4Front letterhead. Though this will not be the definitive detail of a scam, it's something that should make you take a pause.
- The number listed is NOT our phone number. Please be cautious of letters or emails asking you to contact any other phone number than our toll-free number, 800-765-0110.
- Watch out for sloppy details. It states, "do not respond to this email", even though this is a physical letter.
- The receiver of this letter did contact the listed phone number, and the scammer then gave them two additional numbers to contact. Note that these are not our toll-free number, 800-765-0110, or any of our direct line numbers with the area code (231).
- A 4Front team member will never ask for your full debit or credit card number or PIN, your online banking login credentials, or one-time verification code.
We have been made aware of an uptick in phishing scams circulating via text message. We have received a few examples of these text messages, but they can come in many forms. We urge you to be cautious when clicking on any links, especially from sources you are not familiar with. When in doubt, do not click on anything and call us at 800-765-0110.
Here's what to look out for when trying to spot a scam.
- Many of these messages come from random phone numbers, not our usual 4Front number or a 5-digit business short code.
- Watch out for sloppy details, like "4Front C.U" instead of 4FrontCU, or simply 4Front.
- Weird number formatting like (910.55) instead of $910.55.
- Strange-looking links like mmicpl.in or nspiti.in.
Stay alert, and if you believe your account has been compromised by clicking on a link, please do not hesitate to reach out to us at 800-765-0110.
Members are receiving postcards urging them to call us about a time-sensitive issue with their mortgage. Please be aware that these postcards are NOT from 4Front or any legitimate financial institution.
How to tell it's a scam?
- They ask you to call phone numbers, like: 855-959-0200, 855-901-9227, 800-230-8750, 888-405-0963, or 855-549-2127
- The fine print states, "Not affiliated with, sponsored by, and loan information not provided by 4FRONT CREDIT UNION."
How Did They Get My Information?
Rest assured, 4Front does not sell or share your personal information. Some basic mortgage details are public records. Scammers can use that information to send misleading or fake notices. Another clue it’s fake: the account number won’t match yours.
What Happens if You Call?
You might hear a recording, hold music, or even speak to a live person. But no matter what, do not share your personal or financial information. Doing so can lead to serious financial consequences.
What Should You Do?
If you receive one of these postcards:
Throw it away like any other junk mail.
Don’t call the number or provide any personal info.
Contact us directly at 800-765-0110 if you have concerns about your mortgage or account.
Consider filing a complaint with the Michigan Attorney General’s Consumer Protection Division.
Phone Spoofing Scam
4Front Credit Union's phone number is being spoofed (when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity). These scammers are socially engineering members to provide details about their account information and personal identity. Please remember that 4Front Credit Union will NEVER ask for online banking credentials, full debit or credit card numbers (CVV or PIN number), or your full social security. This is confidential information your credit union already has on file. In addition, companies like Amazon and Microsoft are being spoofed and impersonated. These types of companies will NEVER ask for the 6-digit secure access codes sent to your phone or email or your online banking credentials or instruct you on how to respond to a fraud alert text message. Do not share any personal information, and end the call if you suspect you're not talking to a legitimate representative from any company. Contact 4Front Credit Union at 231.929.2000 if you believe your account may be at risk.