Fraud Prevention | Nusenda Credit Union
Routing Number (ABA): 307083665

Fraud Prevention & Security Tips

Avoid falling victim to online scams and fraud by watching out for these common warning signs. If you think your Nusenda Credit Union account information is compromised, call us immediately at 505-889-7755 (800-347-2838 outside the Albuquerque area). To report an online scam, visit

Protect Yourself Against Online Fraud

  • Be aware of common online scams. Your financial institution will never ask you to provide confidential information (access PINS, debit or credit card details) in emails or text messages.
  • Scam emails, texts, and calls are often written to pressure you to respond. If you receive an urgent message like this, delete it and contact us directly.
  • Avoid opening attachments in unexpected emails.
  • Avoid using the same password across multiple accounts.
  • Never share your user name and password information.
  • Do not use account numbers, your Social Security number, or other account or personal information when creating account nicknames or other titles.
  • Take interactive, educational quizzes and watch videos about identity theft, phishing, spam, and online shopping scams at

Protect Yourself with Mobile and Internet Banking

  • Review your account balances and detailed transactions regularly (preferably daily) and immediately report any suspicious transactions to your financial institution.
  • Use our Debit Card Lock service to minimize the chances of unauthorized transactions without having to permanently close your card. It offers you peace of mind — lock your Nusenda ATM or debit card if it is misplaced; turn it back on when it’s found and back safe in your wallet.
  • Do not use public Wi-Fi, or unsecured computers, to log into Mobile or Internet Banking.
  • Create a strong password with at least eight characters, including a combination of mixed-case letters, numbers, and special characters. And change your password frequently.
  • Use mobile alerts to your advantage by regularly reviewing them.
  • Never leave a computer or mobile device unattended while using Mobile or Internet Banking.
  • Don't conduct online banking transactions while multiple browsers are open on your computer.
  • Whenever possible, update your browser to the latest version. Unsure which browser you're using? Verify your browser version.

Protect Yourself Against Phishing

At the Anti-Phishing Working Group website, you can see a list of phishing scam emails and websites to help you identify phishing attempts and avoid being scammed. You can also report phishing incidents there.

Remember that reputable financial institutions and service organizations never ask for any personal credit card or financial information via email, nor do they provide links within emails asking you to do so. Do not respond to these emails or give out any personal information.

Protect Yourself Against Computer Viruses

See the latest virus threats at the Symantec website.

Protect Yourself Against Card Skimming

  • When you use an ATM, look for any signs of tampering, particularly around the area where you insert your card.
  • Try to move the card reader. If it moves, do not use it.
  • Look around the ATM area for places where a tiny camera may be hidden.
  • Cover your hands when you enter your PIN, or shield the keypad. It's one of the easiest and most effective ways to protect yourself from a hidden camera.
  • Use ATMs strategically, looking for machines with the highest amount of public visibility.
  • Monitor your account(s) carefully.

Common Check or Money Order Fraud Indicators

Ask yourself the following questions:

  • Did you receive this check for an item you sold on the internet?
  • Is the amount of the check written for more than the item's selling price?
  • Did you receive the check via overnight delivery?
  • Did you receive this check as the result of email communication?
  • Is the check drawn on a different individual's account than the purchaser?
  • Did you receive this check as the result of winning an international lottery you didn’t enter?
  • Did the payee write the check for more than they owed, then asked you to refund a portion or send it to a third party?
  • Was the check a part of an employment offer where the employer sent you a check and asked you to send money or gift cards back?

If you answered yes to any of these questions, please contact us before cashing or depositing the check or money order.

Common Fraud Indicators When Sending Money

Ask yourself the following questions:

  • Are you sending money overseas to receive a deposit from another country?
  • Have you been instructed to wire, send, or ship money to someone in another country for an emergency situation that you cannot confirm?
  • Were you paid for facilitating money transfers through your account or through a PayPal account?

If you answered yes to any of these questions, you may be involved in a scam. Please contact us for assistance.

Learn more about the security measures we have in place to keep your identity protected and tips to prevent fraud.

Report Fraud, Identity Theft, or Other Account Security Concerns

If you think your personal financial information has been compromised, contact us immediately at 505-889-7755 (or 800-347-2838 outside the Albuquerque area) or visit any branch location.

Learn How to Protect Yourself