Our Commitment to Your Security

Protecting your personal and financial information is one of our highest priorities. We will never ask for confidential or sensitive information through email, text message, or unsolicited phone calls. This includes your:

• Account number
• Online or mobile banking login credentials
• PIN or one-time passcodes
• Social Security number
• Debit or credit card number

If someone requests this information unexpectedly, it is not Innovations.

Recognizing Fraudulent Requests

Any unsolicited communication requesting your personal or financial information should be considered fraudulent — even if it appears convincing or claims to be urgent.

Be especially cautious if someone:

• Claims to be law enforcement or a federal agency
• Pressures you to act immediately
• Asks you to keep the conversation confidential
• Tells you not to contact Innovations directly

Any unsolicited requests for your personal information should be considered fraudulent. If you receive a suspicious email or other correspondence claiming to be from Innovations, please forward it to MemberServices@InnovationsFCU.org.

How Innovations Communicates With You

Innovations fraud alerts may ask you to confirm a transaction by replying "Yes" or "No".

• We will never send a link for verification
• We will never ask for your login credentials, full card number, PIN, or one-time passcodes
• We will never ask for you to withdraw money from your account and take it to a Bitcoin Machine or another financial institution.

If you need to reach Innovations, always use the phone number listed on our website or contact us through secure messaging in Online or Mobile Banking. Our team will verify your identity when you initiate contact.

Trust Your Instincts

Scammers rely on pressure and fear. If something feels off — pause.

• Do not respond to suspicious messages
• Hang up if you feel uncomfortable or rushed
• Never share personal information unless you initiated the contact

If you receive a suspicious email claiming to be from Innovations, please forward it to MemberServices@InnovationsFCU.org.

Protecting Your Account

You can help safeguard your account by:

• Setting up account alerts in Online Banking or the Innovations Mobile Banking App
• Verifying communications before acting.
• Contacting Innovations directly if you have any doubts.

Your vigilance plays a critical role in preventing fraud. Thank you for trusting Innovations Financial Credit Union to help protect what matters most.

FBI & Fraud Investigation Impersonation

We are aware of an active scam targeting members where fraudsters claim to be FBI agents or law enforcement officials. These scammers falsely state that:

• A fraud case has been opened in your name
• Innovations Financial Credit Union — or specific Innovations employees — are under investigation
• You should not contact Innovations while the "investigation" is ongoing

This is a scam. Innovations is not under investigation, and law enforcement will never instruct you to avoid contacting your financial institution.

Fraudsters are using increasingly sophisticated tactics, including:

• Fake transactions they claim need to be "secured" or "reversed".
• Requests that you withdraw money from your Innovations account and deposit it into a Bitcoin machine, purchase gift cards, or transfer it to another financial institution.
• Fraudulent emails filled with spelling and grammatical errors.
• Misspelled versions of our name or emails from non-Innovations domains (such as .com instead of .org).
• Fake websites or logos designed to look like Innovations.
• Impersonation profiles claiming to be Innovations Fraud team members.
• Phone numbers that are not local or do not match our official contact information.

Their goal is to create fear, urgency, and confusion so you act before verifying the information.

Beware of Fraudulent Text Messages

Fraudsters are pretending to be the Innovations Fraud Department, sending text messages with fake links about charges to your account or cards. Do not click on these links.

How "Spoofing" Works

You might receive a text message or call from someone claiming to be from the Innovations Fraud Department. They may falsely report suspicious activity on your account or cards and request sensitive information such as your online or mobile banking login credentials, full card number, and PIN. They may also ask you to accept a fraud alert to approve a pending transaction. These tactics are designed to deceive you into giving away your personal and financial information.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.