Fraud Center

Account Security Information
Northern Hills FCU takes every precaution when it comes to protecting our member’s information and data security. Always remember that Northern Hills FCU will never contact you and ask for personal or sensitive account information. Review your account statements and transactions regularly and report any suspicious activity or fraud immediately by calling NHFCU at 605-347-4527.

SecURe Fraud Protection is available to our consumer members.  This tool provides ID Restoration, Dark Web Monitoring, and Breach IQ prevention steps to aid you in monitoring potential personal data exposure and resolving possible issues.

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Contact the Resolution Center: 833-430-1239
Fraud Resolution Specialist on duty from 6 am to 6 pm MST, Monday-Friday

To cancel upgraded services: 833-464-8104

Card Security Information
Compromises to your card security can occur when you shop online or make purchases at a variety of point-of-sale locations including retailers and restaurants. NHFCU is committed to protecting your personal information and responds immediately to reported suspicious card activity.

ATM/Debit Cards
If your card has been Lost or Stolen, Call us during regular work hours at 605-347-4527.  Nights and weekends call the Instant Cash/First Data Debit Services at 1-800-535-8440.

Credit Cards
If your card has been Lost or Stolen, immediately call Card Member Services.  For Consumer Cards call 1-800-558-3424 and Business Cards call 1-866-552-8855.

Learn more about fraud and scams and how to file a complaint through the NHFCU Fraud and Scam Resource ListRemember NHFCU will never contact you to ask for your user name and password or PIN.  If you receive a call asking for this information, hang up and call NHFCU at 605-347-4527.

COVID-19 Also Spreads Fraud Schemes and Scams

Fraud schemes and scams have been around for years but have increased dramatically with the pandemic. Fraudsters prey on individuals with the promise of a big payout for little effort. The deposits are followed by a request to forward some of the funds to another individual by wire or with gift cards. Unfortunately, the deposits paid are in the form of a fraudulent check or stolen funds from government assistance programs. This can result in leaving the individual responsible for a large negative account balance or a debt owed to a government agency. The individual also becomes an unknowing participate in terrorist financing, money laundering, or drug and/or human trafficking.

Here is a list of resources to learn more about fraud schemes and scams and how to avoid them:

You may also contact us at 605-347-4527 if you believe your account has been compromised due to fraudulent activity.

Protect What’s Yours
Identity theft is the fraudulent use of a person’s personal identifying information. Often, identity thieves will use another person’s personal information, such as a Social Security number, mother’s maiden name, date of birth, or account number to open fraudulent new credit card accounts, charge existing credit card accounts, write checks or share drafts, open share accounts, or obtain new loans.

A fraud or scam uses deceptive, unlawful or misrepresentative practices to trick you out of money or other financial goods. Sometimes scams involve selling you counterfeit goods, misrepresenting items or simply do not deliver on items purchased or promised. Conmen and scammers often falsely claim to represent a company or financial institution to gain your confidence.

Under the Federal Credit Union Act, promoting financial literacy is a core credit union mission. While credit unions serve the needs of their members and promote financial literacy within the communities they serve, NCUA works to reinforce credit union efforts, raise consumer awareness and increase access to credit union services.

Preventing Online/Identity Theft
Here are some additional tips to help prevent becoming a victim of online identity theft.

Take these important steps today to protect your name, credit and reputation:
REVIEW YOUR CREDIT REPORT from each of the three credit agencies twice a year. See if there are accounts or addresses you don’t recognize. Is your social security number correct? Have there been more credit inquiries than normal? Any of these may be early signs of identity theft. If you find something suspicious on your credit report, call the agency’s fraud hotline immediately. You also may want to add a consumer fraud alert, which asks creditors to telephone you each time a new account is opened in your name.

Request a free credit report at or by calling 877.322.8228. Consumers are entitled by law to one free credit report per year from each of the three major credit bureaus Equifax®, Experian®, and TransUnion® for a total of three reports every year. Contact information for the credit bureaus can be found on the Federal Trade Commission (FTC) website at

  • LIMIT THE USE OF YOUR SOCIAL SECURITY NUMBER. Provide your social security number only when necessary and never provide it in response to an unsolicited email. Don’t carry the card in your wallet and never print it on your checks.
  • SHRED UNEEDED IMPORTANT PAPERS — especially credit card solicitations — with a crosscut shredder. Some identity thieves try to piece cut papers back together.
  • DON’T USE YOUR MOTHER’S MAIDEN NAME as a password on personal accounts; it’s too easy to learn. Change it to another word with the creditors. When creating a password, include letters, numbers and symbols (for example: E$G%2Q) since they are more difficult for identity thieves to guess.
  • DON’T GIVE OUT FINANCIAL INFORMATION ONLINE OR ON THE PHONE unless you initiated the contact and you know the party you are dealing with.
  • PROTECT YOUR ONLINE LOG-INS AND PASSWORDS Don’t share your passwords or login names and avoid leaving or writing them down near or around your computer. Protect them as you do your ATM and credit card numbers.
  • DON’T BE A VICTIM… If you suspect identity theft or online fraud, report it to your local police, the three credit agencies and the Federal Trade Commission.

For additional resources see the Member Education page.