Fraud Reminder: Health Advantage will never request sensitive information, such as your debit/credit card account details, Social Security number, or passwords, via text or phone. Please be cautious, if you receive suspicious texts or communications, do not respond. Instead, please contact us directly at (989) 791-7070.

State Street Drive-Thru Renovations: Beginning October 1st, drive-thru lanes at our State Street branch will be closed for construction. Learn More

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Fraud Safeguards

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Fraud Awareness Week Workshops

Join us for Fraud Awareness Week, a special series of four webinars designed to help you stay a step ahead of scammers. Each session offers practical tips, real-world examples, and easy steps you can take to protect yourself and your finances. From spotting scams before they happen, to safeguarding your information, to navigating the busy holiday shopping season with confidence, these 30-minute member webinars are packed with valuable insights. Don’t miss this opportunity to strengthen your fraud prevention skills and protect what matters most.

Session Dates:

Protect Your Identity

Protecting you from fraud is our top priority! Health Advantage Credit Union is committed to ensuring the safety and security of your information! Never disclose any personal identifying information if requested from an unsolicited email, text message or phone call that may seem like it’s been sent from or calling you from Health Advantage Credit Union. They may seem reasonable to answer, but Health Advantage Credit Union never requests information in this manner. This is considered “phishing”. Please contact Health Advantage Credit Union about any such solicitation immediately or simply delete. For more information, read our Privacy Policy.  This includes:

Exception:  We have 24x7 monitoring systems for our credit and debit cards.  You may receive a phone call from these monitoring systems to verify that you performed a transaction that they consider suspicious or unusual for you.  However, when they do contact you they will never ask you for any personal identifying information.


Identity Theft

What is Identity Theft?  Identity theft occurs when someone uses your personal identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. 

Premium Checking with IDProtect, your Premium Checking account includes identity theft monitoring and protection for you and your family.  

How to protect your personal information from Identity Theft


Social Engineering

What is Social Engineering?  Instead of attacking a computer, Social Engineering is the act of interacting and manipulating people to obtain important/sensitive information or perform an act that is blatantly harmful. To be blunt, it is hacking a person instead of a computer. A social engineer can use the phone, the internet, or even show up in person to perform the malicious act. They can be after data such as ID number, username, password, server names, machine names, remote connection settings, schedules, credit card numbers, etc. They may also try to get someone to install some malicious software, visit an unscrupulous website, or even access unauthorized locations.

Social Engineering Red Flags


Phishing

What is Phishing?  Phishing is a cybercrime in which a target or targets are contacted by email, phone or text message by someone posing as a legitimate institution to lure individuals into providing sensitive data such as personally identifiable information, banking and credit card details, and passwords. The information is then used to access important accounts and can result in identity theft and financial loss.

Common Features of Phishing Emails and current scams


Online Safety

Protect Your Personal Information

Online Safety and Privacy Basics


Safe Mobile Banking

Be proactive in securing the mobile device itself, use face or fingerprint recognition as your first line of defense. Depending on what other security options are available on your device, create a "strong" password (consisting of unusual combinations of upper- and lower-case letters, numbers and symbols) or PIN (with random numbers instead of, say, 1234 or the last four digits of your Social Security number) and periodically change it.

The best place to download an app is from the official Web site of the credit union or company that you are doing business with or from a legitimate app store. Note that the business will often direct you to an app store.

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