Fraud Prevention

Hero Image

Take Steps to Protect Yourself

Fraudsters are increasingly using text messages to gain access to your personal information. Be diligent when you receive a text message or any communication asking you to provide personal information. Key indicators that a text is not from CommunityAmerica:
  • Obvious grammar and spelling mistakes
  • It’s asking you to take urgent action
  • Contains a link which is asking for personal information
  • The url in the browser is not CommunityAmerica.com
  • CommunityAmerica is spelled as two words rather than one

If you receive a text stating there is fraud on your account, your account has been deactivated or your account has been blocked and asks you to verify your identity on a website that looks like CommunityAmerica, don’t provide your information.

CommunityAmerica also recommends the following strategies to help keep your personal information safe from online security risks, scams and breaches:

Create Strong Passwords: Your passwords are key to protecting your identity online. Once a cybercriminal has your password, they will have unlimited access to your personal information and the ability to inflict untold damage to your wallet and reputation. Strong passwords should be easy for you to remember, but difficult for others to guess. There are several ways you can increase your password strength, including:
  • Add Length – Longer passwords are more difficult to crack.
  • Mix It Up – Combine mixed case letters, numbers and special characters in each of your passwords. Note that common substitutions, like using $ for S, are used so frequently they are easier for hackers to guess.
  • Be Unpredictable – Avoid using common words or personal details. Choose words that are hard to guess.
  • Avoid Repetition – Do not use the same password across multiple accounts. That way, if one password is stolen, it cannot be used elsewhere. If you must reuse passwords, do so only for accounts that have little importance.
  • Use a Passphrase – Instead of a password, consider using a passphrase. Phrases are longer than words, and the added length increases complexity and makes it more difficult to crack. You might use a phrase you were taught from your youth, such as a favorite movie quote (Example: ETphonehome) or a song lyric (Example: TakeMeHomeCountyRoad), or an original phrase you can easily remember (Example: “KCChiefsAreSuperBowlChamps”).

Review Your Credit: Request a copy of your credit report from annualcreditreport.com. You can get a free copy of your credit report every year. This gives you the opportunity to review for any errors and check for any suspicious or fraudulent behavior.

Review Your Accounts: Online Banking is a great tool to use to help keep an eye on your account activity on a regular basis. Report anything that looks fraudulent as soon as possible.

Always Sign Out of Your Account: Remember to always sign out when you are finished accessing your accounts or anytime you’re going to be away from your computer for an extended period of time. Closing your browser entirely can also be a good way of preventing others from accessing your information. This is especially important anytime you use a public computer.

Set up Notification Alerts: Take advantage of security options to receive email and/or text message notifications of key activity on your bank accounts and credit cards.

Clear Your Browser Cache: Browsers generally cache, meaning they store some information, such as images, on your device to make the browsing process faster the next time you visit a site. While caching does improve browsing speed, it can potentially leave you more vulnerable to hackers. By clearing your cache after visiting secure sites, you reduce the risk of exposing confidential information stored locally.

Enable Multi-Factor Authentication: When available, take advantage of this additional level of security that authenticates you as the account owner using a one-time use code sent via text/email, a code-generating fob or app, or biometrics (fingerprint scan, face/voice recognition, etc.).

Password Protect Your Devices: Enable the password feature on your cellphone, laptop, Kindle, iPad or any electronic devices that contain personal information about you – including, phone numbers, addresses or banking information. If your password-protected device is lost or stolen, your personal information will not be immediately accessible to others.

Use Caution Opening Emails and Texts: Be vigilant when receiving and opening email or text messages. Delete emails and texts from unknown sources and do not click or open any attachments in emails or texts that seem suspicious.

Be Leery of Generalities: If phone calls or emails are general in nature, be cautious. Scammers often hope if they claim a general problem, receivers will assume the communication is legitimate and provide their account information.

Pay and Receive Money Only with People You Know: Many online and mobile banking tools allow you to send and receive payments to and from others. If you don’t know the recipient, you shouldn’t use online or mobile banking to make a payment. These transactions are risky, similar to how sending cash to a person you don’t know is risky. You should exclusively send digital payments to friends, family or other people you trust.

Verify Incoming Calls: Our representatives will always identify themselves when calling members. Note, we will never call, text or email to ask you for:
  • User name & password
  • Debit or credit card number
  • PIN
  • Authorization Codes
  • CVV/Security Code

If you receive a call that you feel is fraudulent, hang up immediately and contact CommunityAmerica at 913.905.7000.

Believe Your Account Is Compromised?

You may receive an EnFact notification (debit and credit cards): This could arrive in the form of a text message, phone call or email ([email protected]). To protect your account, CommunityAmerica monitors transactions through EnFact, a Fraud Detection Program. If there is potentially fraudulent activity, our monitoring agency will send a communication to validate the legitimacy of suspicious transactions. Our automated call center will ask you to verify your identify and provide your zip code. We will never call, text, or email you to ask for personal identifiable information, such as user name and password, social security number, debit or credit card numbers, authorization codes, PIN numbers, or CVV/security codes.

Contact CommunityAmerica Immediately: Our number is 913.905.7000. We recommend you do this first and foremost so we can determine the best course of action to help protect you and your account.

Reset Your Password: Consider changing your username in addition to resetting your password using the Strong Password recommendations above.

Place Fraud Alert on Your Credit File: If you suspect you may be a victim of identity theft, or your personal information (including Social Security Number) has been compromised, it may be a good idea to place a fraud alert on your credit report. Placing a fraud alert on your credit report can help prevent an identity thief from opening any new accounts in your name. Any one of the three nationwide consumer reporting agencies (Equifax, Experian, TransUnion) can place a fraud alert on your credit report. The agency you call is required to contact the other two, to have the same fraud alert placed on their versions of your report:
  • Equifax: 800.525.6285
  • Experian: 888.EXPERIAN
  • TransUnion: 800.680.7289

  • Complete an Identity Theft Affidavit: Visit us at one of our locations, and we can help you complete an Identity Theft Affidavit. You’ll want to keep a copy of the affidavit with your personal records and provide a copy if you’re contacted by a company about an account you didn’t open. You may also want to consider filing a police report. Be sure to obtain a copy of the police report and keep it in a secure location with your identity theft affidavit.

    Rest assured we are always looking out for our members and have measures in place to protect against scams. Members can do their part by practicing ongoing caution. Never share personal account information, such as a Social Security Number, passwords, user IDs or other financial information with anyone. Remember, it is also a good practice to review your account history regularly and report any suspicious activity immediately. Reviewing your account is now even more convenient with our Mobile App, as well as text alerts.

    Learn even more about protecting yourself from fraud by listening to our podcast or reading our blog.

Fraud/Loss Prevention Contacts

If you have received a phishing email that looks as if it has been sent by CommunityAmerica, please forward the email to [email protected] and contact the Fraud Prevention department at 913.905.7000.

Lost or Stolen Cards
Debit: 877.714.6467
Credit: 877.661.4920

Learn more about phishing and identity theft.

Traveling Outside the United States? If you are traveling outside the United States and plan to use your CommunityAmerica debit, ATM and credit cards, please contact us at 913.905.7000 for details.