Sno Falls Credit Union on illustrated background

Safe & Sound

We work diligently to ensure your data is held with the highest security. If anything is ever in question, we’re here. Below are several ways you can reach us or get an extra layer of protection.

Featured Fraud Awareness

Confidence/Romance Scams

Card Security Update

Home Warranty Scam

Lost or Stolen Cards

During business hours
Call (800) 243-7860

After business hours
Call (888) 241-2510  

Report electronic fraud by emailing:

Member Account Safety

We prioritize your account security and are always working to ensure the safety of your funds and personal information. Help us increase your cybersecurity by following best practices, enabling available security features, and familiarizing yourself with our methods of confirming your identity. 

Cybersecurity Best Practices

Below are steps that you and your family can take to ensure your devices are safe.

Update Software

Software updates provide you with a more efficient and stable digital experience by enhancing functionality and address existing issues such as bugs and crashes.

Protect Your Devices

Install antivirus and anti-malware software to protect your devices from cyberattacks. Only use trusted, password-protected internet networks and avoid using public USB ports.

Interacting with Sno Falls

Scammers might try to impersonate Sno Falls employees and systems. Below are ways to know if you are actually interacting with Sno Falls – or with a criminal trying to access your accounts.

1. Sno Falls employees will not ask for your Online Banking User ID or password.

2. We will not ask for your account security phrases or photos, or one-time security codes if we call you. We will not ask for your card number or CVV code if we call you to verify activity on your account.

3. We will not include a link in a text message. Do not click on suspicious links.

4. We will not request one-time security codes or Zelle® SMS validation codes if we call you.

5. We may send a one-time security code and ask you to provide it for identity verification if you:
• Call Sno Falls for any reason.
• Set up a wire transfer online.
• Log in to Online Banking or the mobile app.

This helps us protect your accounts and prevent unauthorized access.

Sno Falls Security Features

Learn more about our internal security features that you can enable to better protect your Sno Falls accounts.

Security Questions

You may increase your cybersecurity by enabling the challenge question feature in online banking. This security option will require you to answer a question before being granted online banking access.

To set up this feature, log in to online banking and from Settings, go to Additional Services and select Challenge Question Each Login. To edit your questions in online banking, navigate to Settings, Login Settings and Challenge questions.

Security questions are also triggered when Members attempt to access sensitive features, like scheduling ACH transactions or Changing Contact information. 

One-time PIN Authentification

You may increase your cybersecurity by enabling the One-time PIN authentification feature in online banking. This security option will send a one-time security code to your email address on file that you will then use to gain online banking access.

To set up this feature, log in to online banking and from Settings, go to Additional Services and select One-time PIN authentification.

A one-time security code will also be sent to Members who log into an unknown browser. 

Transaction Monitoring

To edit transaction monitoring settings, log in to online banking and from Messages & Alerts, navigate to Manage Alerts. Here, you can set up Balance Summary Alerts, Balance Alerts, Transaction Size Alerts, and Balance Change Alerts for any Sno Falls account. 

Card Controls

To request a Travel Alert or turn on and off a card, please contact our Member Experience Team via email at or (800) 243 – 7860

Automatic Log-Off

Log in to online banking and from Settings, go to Login Settings and select Automatic log-off. Here you may select the amount of minutes that need to pass in order for our system to automatically end your online banking session.

Our Security Systems 

We’re always working hard to protect you. Our websites are secured with industry-standard encryption and time-sensitive session cookies.

All Sno Falls mobile app releases undergo methodical and rigorous testing to ensure that member privacy and account security are protected.

Our systems and employees conduct 24/7 fraud monitoring on accounts and credit/debit cards in an attempt to identify and respond to any unusual and unexpected activity.

We’re insured by the NCUSIF. Federally insured credit unions offer a safe place for you to save your money, with deposits insured up to at least $250,000 per individual depositor. The National Credit Union Administration (NCUA) is the independent agency that administers the NCUSIF. Like the FDIC’s Deposit Insurance Fund, the NCUSIF is a federal insurance fund backed by the full faith and credit of the United States government.

Find Your Security Topic

Federal Trade Commission data shows that consumers reported losing nearly $10 billion to fraud in 2023.1

View different types of fraud below to keep you and your family safe.

Direct Impersonation

Online Shopping Scams – Scammers may call or text you pretending to be a large retail company such as Amazon in order to obtain money/sensitive information under the guise of giving you a refund for a purchase you may have never made

Prizes, Sweepstakes, and Lotteries – The initial contact in a Lottery/Sweepstakes scam involves offering congratulations for winning a contest, lottery, or sweepstakes the victim did not enter. Scammers then demand the victim pay upfront fees and taxes to claim their “prize.”

Investment Scams – Investment fraud happens when people try to trick you into investing money. Criminals might want you to invest money in stocks, bonds, notes, commodities, currency, or even real estate.

Consumers reported losing more money to investment scams—more than $3.8 billion—than any other category in 2022. That amount more than doubles the amount reported lost in 2021.1

Business and Job Opportunities Job scam could involve you paying for starter kits, so-called training, or certifications that are useless. Additionally, a business scam could occur where you deposit a check from your new employer, the employer then asks you to send some money back due to “overpayment,” but the check will ultimately bounce, and the bank will want you to repay the full amount of the fake check, while the scammers keep the real money you sent them.

Donation Fraud – This type of imposter fraud includes dishonest persons who impersonate charities like St. Jude while pocketing donations. Donation fraud often occurs during holiday season or following natural disasters.

Impersonating Family/Friends – Other scammers even reach out via social media or banking apps like Venmo disguised as your family member/close friend in desperate financial need.

Impersonating An Office – Government Impersonation criminals pretend to contact you from government agencies like the Social Security Administration, IRS, or Medicare. Scammers will demand payment or personal information by threatening government benefits or well-being. 

Imposter fraud involves scammers who lie and pretend to be someone else in order to trick you into sending money or sensitive information to them. The FTC reported $2.6 billion to imposter fraud in 2022, making it the second most frequent type of fraud behind identity theft.2

Remote Computer Access

Imposter fraud includes scammers who contact you asking for remote digital device access in order to perform tasks such as tech repair or bank assistance. Often these hackers are impersonating trusted companies like Apple or your primary financial institution. If the imposter is given access, they can wreak havoc on your personal data. They can access and steal information on the spot or install malware and remotely return to your device for future hacking.

Gift Cards/Wire Transfers

It’s a cause for concern when any online retailer or service provider ask for payment via gift card or wire transfer. Gift card fraud is popular with scammers because gift cards are easy for consumers to find and buy, and they have fewer protections for buyers compared to other payment options. Both gift card and wire transfers are more like cash: once these forms of payment been transferred to the imposter, the money is near impossible to trace and have return.

Subscription Services

Watch out for subscription services with fine print indicating an unusually large subscription amount per month after the initial payment. Card companies will often side with the subscription service if fraud is reported due to the contract confirmed on your end.

Always verify identity before giving out sensitive information or money. Never allow remote access to any device unless the user is authenticated. And finally, consider the implications of scammer activity when choosing your payment option for online purchases.

Elder Fraud

Elder Fraud cost Americans over the age of 60 $3.1 Billion in 2022. Globally, Elder Fraud is a growing issue as criminals increasingly use online scams to target older adults, especially those living alone.3

Call Center Fraud

Over a third of Elder Fraud stems from Tech and Customer Support / Government Impersonation.3

Tech and Customer Support scammers take advantage of victims’ unfamiliarity with technology, online banking, and newer payment methods, like cryptocurrency, to quickly take as much money as possible.

Government Impersonation criminals pretend to contact you from government agencies like the Social Security Administration, IRS, or Medicare. Scammers will demand payment or personal information by threatening government benefits or well-being. 

Investment Fraud

Investment fraud involves complex financial crimes often characterized as low-risk investments with guaranteed returns.

They comprise of advanced fee frauds, Ponzi schemes, pyramid schemes, market manipulation fraud, real estate investing, and trust-based investing. 

Inheritance Fraud

The initial contact in a Lottery/Sweepstakes scam involves offering congratulations for winning a contest, lottery, or sweepstakes the victim did not enter. Scammers then demand the victim pay upfront fees and taxes to claim their “prize.”

Inheritance scams function very similarly as the victim is informed an unknown, distant relative has left a large inheritance to the victim. Criminals then ask the victim to pay taxes and fees to receive the inheritance money.

Confidence/Romance Scams 

Confidence/Romance scams involve a criminal using the illusion of a romantic or close relationship to manipulate and/or steal from the victim.

Scam artists often say they are in the military, or a trades-based industry engaged in projects outside the U.S. That makes it easier to avoid meeting in person—and more plausible when they request money be sent overseas for a medical emergency or unexpected legal fee. 

Grandparent Scams also fall into this category, where criminals impersonate a panicked loved one, usually a grandchild, nephew, or niece of an elderly person who appears to be in need of money immediately.


Extortion occurs when a criminal demands something of value from a victim by threatening physical or financial harm or the release of sensitive data. Extortion is used in various schemes including email extortion attacks, hitman schemes, and government extortion.

Non-Delivery Fraud

The combination of online shopping and social media creates easy venues for scammers to post false advertisements for goods and services. Many victims of Non-Delivery Fraud report ordering items from links advertised on social media and either receiving nothing at all or receiving something completely unlike the advertised item.

Cryptocurrency Fraud

Cryptocurrency Scams totaled over $1 billion in losses in 2022.3

Cryptocurrency is exploited in frauds and scams, particularly
the use of cryptocurrency ATMs, crypto investments, and crypto support impersonations. Overall, cryptocurrency is becoming a preferred payment method for all types of scams, particularly in Investment Scams, where losses can reach into the hundreds of thousands of dollars per victim. 

Russia | Ukraine Fraud

Scammers may reach out via text, call, email or social media in attempt to steal your funds or personal information citing the Russia/Ukraine War. Scammers may ask for money to escape their country, or bury a loved one. Avoid answering suspicious communications as well as links and never send funds to a recipient that you would not give cash to.

Dangers of Public Charging

Planning to travel? The FBI warns consumers against using free public charging stations, such as those found in airports, hotels or shopping centers.

Crooks have managed to load malware onto public USB charging stations to maliciously access electronic devices while they are being charged, AKA Juice Jacking. Malware installed through a corrupted USB port can lock a device or export personal data and passwords directly to the perpetrator. Criminals can then use that information to access online accounts or sell it to other bad actors.

In some cases, criminals may have intentionally left cables plugged in at charging stations. There have even been reports of infected cables being given away as promotional gifts.

Avoid Juice Jacking

1. Avoid using a public USB charging station. Bring AC, car chargers, and your own USB cables with you when traveling. Alternatively, you can carry a portable charger or external battery to charge your devices from.

2. If you have to use a public charging station, USB Data-blockers and charging-only cables are recommended to keep data safe. If you plug your device into a public USB port and a prompt appears asking you to select “share data” or “charge only,” always select “charge only.”  

P2P Fraud

Platforms like Venmo, Zelle®, Apple/Google Pay and PayPal are peer-to-peer payment methods. They allow consumers to transfer money using bank accounts, debit cards or credit cards.

P2P payments are comparable to sending cash and the transfer usually requires just a few clicks. For these reasons, P2P platforms have become a target for scammers.

Evade Crooks

1. Review your transaction details before you send it.

2. Send payment AFTER the good or service has been received.

3. Monitor and opt in to strong security settings and two-factor authentification when available.