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.

Debit Card Fraud Alerts by Text and Email

We are happy to share an exciting enhancement to our Debit Card fraud alerts.  Currently, when a transaction is detected by Fiserv EFT that is unusual or outside of your normal activity, Fiserv will call you and ask you to verify if you initiated the transaction. Beginning on Monday April 6th, Cobalt will now be offering text and email alerts to our debit card holders. The text alerts will come from 37268 (not a 10 digit phone number) and will be a free text message to you.  Respond with a ‘YES’ or ‘NO’ via text message to confirm if the purchase was initiated by you. We will NEVER ask you to give details about your debit card or transaction purchases.

Members are automatically enrolled in this program and we will use the phone number we have on file for you.  Text messaging will follow the Telephone Consumer Protection Act (TCPA), which allows text messages to only be sent between the hours of 8:00 AM through 9:00 PM.  If the alert is generated outside of these hours, only an email will be sent.  If you do not have an email address or have a land line, you will still receive a phone call.  If you would prefer to receive phone calls for future alerts, you can text STOP to 37268. 

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.

Have questions about Cobalt Credit Union? Drop us a line.
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