Security Information

Scams and fraud? Not in our house.

Nothing is more important to us than the security of your assets and your personal information. Our experts have compiled these resources to help you prevent identity theft, get fraud alerts, learn how to identify phishing attempts and more.

Fraud Alerts

Protect Your MasterCard Debit Card

Protect your card in the future by enrolling in the free MasterCard Secure Code program. This program adds a personal password to your debit card so only you can use the card for online purchases. It’s easy and safe.

Fraudulent Federal Reserve Email Messages

Some consumers and customers have reported receiving fraudulent email messages that reference a FedACH or Fedwire Output File alert and instruct the recipient to open an attachment. These e-mails were not sent by the Federal Reserve Banks. The Federal Reserve Banks deliver payment information to their financial institution customers via their trusted channels, and do not communicate this information directly to consumers. Financial institutions are advised to follow information security best practices, and to delete this email immediately without clicking on any links or opening the attachment. FedACH(R) Risk Management Services RDFI Alert customers can also access current reports via the FedLine Advantage(R) or FedLine Web(R)


Safeguard yourself from fraudulent activity, especially text messages that are from an unknown source. Cobalt Credit Union does not use text messages to handle security questions regarding your account. If you receive a text message and are unsure of its validity, call or visit any Cobalt Credit Union branch and speak to a representative.

Be aware of phishing scams advising you to check your credit score due to a security concern. If you have received an email or had a pop-up message while browsing advising you to do this, be aware that this is a scam.  These messages did not originate from Cobalt Credit Union. It appears to be a phishing scam that is attempting to gain access to your personal data. DO NOT open, click on any links or respond to these requests. If it is an email, delete it from your computer. If it is a pop-up window, you should run an anti-virus/anti-malware scan on your computer immediately.

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