Steps to Take for Suspected Fraud

If You Suspect Fraud While We’re Closed

Act immediately. Do not wait until we reopen.

  1. Lock Your Card
  • Log into our IH Access App and lock/freeze your debit or credit card.
  • If you see fraudulent transactions that are pending or have posted to your account, you can complete the lost/stolen report through IH Access app or by calling the Credit Or Debit Card 24/7 support lines on our website.
  1. Secure Your Login
  • Change your online banking password immediately.
  • Change your email password (especially if it’s linked to your account).
  • Turn on multi-factor authentication (MFA) if it isn’t already enabled.
  1. Review Your Transactions
  • Look for unauthorized charges. You can dispute charges through the IH access app or by calling the 24/7 debit or credit card support lines on our website.
  • Write down or screenshot the date, amount, and merchant name of all unauthorized transactions.
  1. Turn On Alerts
  • Enable transaction alerts.
  • Enable balance and login alerts.
  1. Contact Merchants (If Needed)

If a suspicious debit card purchase is still pending, contact the merchant immediately to attempt cancellation.

When the CU reopens:

Contact us as soon as possible to:

  • Replace your card
  • File a fraud dispute
  • Review your account for additional protection steps that may need to be taken.