At Western PA Federal Credit Union, protecting your personal and financial information is one of our highest priorities. We maintain safeguards and monitoring systems designed to detect and prevent fraud. We also encourage our members to stay informed and proactive in protecting their accounts.
Common Types of Fraud
Identity Theft
Occurs when someone uses your personal information—such as your Social Security number, date of birth, or account number—without your permission.
Check Fraud
Includes stolen, altered (“washed”), or forged checks.
Debit or Credit Card Fraud
Unauthorized transactions made using your card information.
Phishing & Impersonation Scams
Fraudsters may pose as financial institutions, government agencies, or companies through emails, phone calls, or text messages to obtain sensitive information.
Elder Financial Exploitation
Scams that target older adults through deception, pressure, or manipulation.
Red Flags to Watch For
- Transactions you do not recognize
- Missing mail or statements
- Unexpected account alerts
- Calls, texts, or emails requesting personal or login information
- Being denied credit unexpectedly
If something does not seem right, contact us immediately.
What To Do If You Suspect Fraud
- Contact Western PA Federal Credit Union immediately at 724-339-0635
- Review your recent transactions and report any unauthorized activity.
- Change your online banking passwords and PINs.
- Consider placing a fraud alert or credit freeze with a credit bureau.
- File a report with the appropriate authorities listed below.
Helpful Resources
If you believe you are a victim of identity theft or fraud, you may contact:
- Federal Trade Commission – IdentityTheft.gov
- FBI Internet Crime Complaint Center (IC3.gov)
- Equifax – 800-685-1111
- Experian – 888-397-3742
- TransUnion – 888-909-8872
You are entitled to receive a free copy of your credit report once every 12 months from each of the three nationwide credit bureaus through the official website:
Regularly reviewing your credit report can help you identify unauthorized accounts or suspicious activity.
How We Protect You
Western PA Federal Credit Union maintains a comprehensive Identity Theft Prevention Program in accordance with federal regulations, including the Red Flags Rule. We actively monitor accounts for suspicious activity and may contact you if unusual transactions are detected.
We will never call, text, or email you asking for your:
- Online banking password
- Debit or credit card PIN
- Secure access codes
If you receive such a request, do not respond. Contact us directly using the phone number listed on our official website.
Protect Yourself
- Monitor your accounts regularly
- Enroll in account alerts
- Use strong, unique passwords
- Do not share personal information over unsecured channels
- Shred sensitive documents before disposal
If you have any questions about fraud prevention or believe your account may be compromised, please contact us immediately.