Important Fraud Protection Information

Addition Financial is proud of the personalized and positive banking experience we provide our membership. Unfortunately, scammers are leveraging various communication channels – including phone calls and SMS text messages – that we use to provide this experience to pretend to be Addition Financial Contact Center representatives. They ask questions under the pretense of protecting account information when in reality they are attempting to get enough information to gain access to the member’s accounts. This method of fraud is attempted through different types of communication from seemingly legitimate sources that take advantage of our members' trust and confidence.

Please be vigilant and keep your personal and financial account information secure.

Automated fraud alerts from Addition Financial

As part of our commitment to provide a safe and secure banking environment, our membership is enrolled in advanced fraud alerts to keep them informed when fraud is suspected so that the member will be able to respond quickly to confirm the legitimacy of these transactions. If at any time you are not sure about a text, phone call or email from anyone identifying as “Addition Financial” regarding credit and/or debit card fraud, please call the number on the back of your card.

How to know if the alert is a scam

We will never contact you to ask for the following information:

  • Credit or debit card PIN Numbers
  • Online Banking passwords
  • All 16 digits of your Addition Financial debit or credit card number
  • The CVV code on the back of the debit or credit cards

If you have any doubt about the authenticity of a call from someone claiming to represent Addition Financial, hang up and call the Addition Financial Contact Center at (800) 771-9411.


Fraud Alert FAQs

Fraud alerts are automated phone calls, text messages and emails that are sent when potentially fraudulent purchase activity has been detected on a credit/debit card account. Messages are triggered by Addition Financial Credit Union fraud detection system.

Text messages will be sent to cardholders in the 50 United States at no charge.

Customers with international telephone numbers will only receive emails. They will not receive text messages or phone calls.
Fraud alerts are sent to cardholders when potentially fraudulent transactions are detected on their accounts. We want to ensure that any questionable transactions were authorized by the cardholder.
We will not transmit sensitive personal information through alerts.
Any phone numbers that Addition Financial has in your records may be sent alerts.
  1. You can opt out of text alerts by replying “STOP” to the text message
  2. You can opt out of phone calls when the alert system calls you.
  3. Click on the Unsubscribe link in the email to stop the emails.
  4. Contact our Call Center to ask to stop receiving fraud alerts.
  5. Visit a branch to ask to stop receiving fraud alerts.
Fraud Alerts are transmitted to the phone number(s) and/or email address associated with the card used at the time of the transaction. If a joint cardholder is receiving alerts, it is because that cardholder’s phone number and/or email address is associated with the card transacting. If the fraud alerts should have gone to another cardholder on your account, we ask that you update the contact information for that cardholder.
Upon confirming that a transaction is valid, you may retry the transaction immediately.
Please report the unauthorized transaction immediately by calling the phone number provided in the alerts or the number on the back of your card. The agent will then take care of marking the transaction as fraud and close the card.
We recommend that you contact your wireless service provider if you lose your phone. If you plan to change your cell phone number, please refer to question number 6 above for help in updating your contact information.
Your card may be blocked for use and future transactions would be declined until the fraud alert is cleared.
You may call our Customer Service phone number on the back of your card.
You will automatically be enrolled to receive all fraud alerts via the contact methods on your account, ie., email address, cell phone, home phone, work phone, etc.
No. Commands can be sent as upper-case, lower-case or a mixture of both.
If your card is lost or stolen, when you are issued a new number, your card account is automatically updated, and you automatically retain the ability to continue receiving fraud alerts.
Call times follow the TCPA (Telephone Consumer Protection Act) rule of not occurring before 8 am and not after 9 pm in the cardholder’s respective time zone.
Please review your recent account activity in digital banking, or call or visit your nearest credit union branch. We highly recommend adding your email address and cell phone number to allow us to reach you quickly to review suspect activity and keep your card available for use. 

Your account may be blocked due to the potentially fraudulent activity.  You may call or visit your financial institution’s branch to review your account activity.  It is recommended to have at least one way to be contacted via the fraud alerts system to allow us to reach you quickly to review suspect activity and keep your card available for use.
Yes, you may use up to two phone numbers.
Yes. Our priority is to protect your personal information. When you respond to a fraud alert message, we will ask for the unique case # to your specific fraud alert. 
If you accidentally opted out of out text alerts from a mobile phone, when the digital system calls to verify activity, the system will provide the opportunity to opt back into text alerts for the mobile phone. For all fraud alert types, please call the number on the back of your card to re-enable fraud alerts to an email address, a mobile phone or landline phone number. You can also visit a branch for assistance.
Any text related to verifying card transactions will come from 49447. We highly recommend that you save this number in your phone contacts.

Need additional resources?

Visit our Security Center to learn more information on fraud protection measures, learn effective strategies to avoid scams and stay informed about emerging threats like skimming.