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Security Center


lock Vishing, Quishing, and Smishing : What Can You Do?

Some of the new forms of social engineering have interesting names and each has different ways of fooling users. Several of the most significant cybersecurity events of 2023 started with social engineering compromises. In 2022, social engineering techniques accounted for 20% of all compromises. The following information is being provided to continue training you in the basics of social engineering while also keeping you informed on the new tricks that the bad guys/gals are increasingly using.

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Attention Members

error_outline Security Alert: Beware Scammers Who Want Your Bank Card Chips

Scammers are posing as bank employees, convincing people to cut up their bank cards but leave the EMV chips intact. These fraudsters claim this will prevent fraud, but in reality, they intend to use the chips themselves. After a phone call, they send an accomplice to collect the chip and may even manipulate victims into revealing their PIN numbers. This scam has already resulted in significant financial losses. The FBI advises against complying with these requests and suggests reporting any incidents using the #BankChipHack hashtag.

Stay vigilant and always double-check with your bank through official channels if you receive such suspicious requests.

The official Justice Federal email is jfcu@jfcu.org.

Justice Federal will never call and ask for a Member’s bank card chip under any circumstances.


error_outline Security Alert: Credit Union Impersonation Scam.

Justice Federal will never call and ask for a Member’s personal and online banking credentials under any circumstances.

Beware of phishing!

Some of our Members have recently received text messages and voice mail requesting to verify fraudulent credit card charges from scammers. If you are suspicious of an SMS notification regarding possible fraudulent activity, please call 800.550.5328.

scam example screenshot

error_outline Security Alert: Beware of Spoofing!

Spoofing is when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity.

Some of our Members have recently received phone calls from scammers identifying themselves as customer service representatives or fraud investigators with the credit union. They are able to spoof their phone number so that it appears as though the call is coming from our main Justice Federal phone line. Once the scammer has gained the trust of the victim, they begin attempting to gain access to personal information such as account numbers, Digital Banking credentials, or even personal computers to install malware and tracking software.

Justice Federal will never call and ask for a Member’s personal and online banking credentials under any circumstances. If you receive a call from someone claiming to be with the credit union asking these types of questions, hang up right away and call us back using a phone number provided on our website.

How to Avoid Spoofing

FCC Consumer Video: Don't Hang On, Hang Up!

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Learn More About Spoofing and How To Avoid It
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error_outline Security Alert: Email

Scammers use email or text messages to trick you into giving them your personal information. They may try to steal your passwords, account numbers, or Social Security numbers. If they get that information, they could gain access to your email, bank, or other accounts. Please note the format of the email address used to contact you. Many times the scammer will include the name of the institution within the email address in an attempt to have you believe it is from your financial institution, such as in the case with the following email: JohnJFCU@YopMail.com.

The official Justice Federal email is jfcu@jfcu.org.

Justice Federal will never call and ask for a Member’s personal and online banking credentials under any circumstances.


Security of Your Financial Information Is Our Top Priority

At Justice Federal, we take a proactive approach to protecting the safety and confidentiality of our Member’s accounts by ensuring that we are using the latest and most secure technology available.

If your card is lost or stolen, you suspect you're a victim of fraud or identity theft, or you notice any fraudulent activity on your Justice Federal Accounts, please report it as soon as possible by calling our 24-hour service line so we may place an immediate hold on your account:

VISA Credit Card 866.820.3036    24 hours a day, 7 days a week
VISA Debit Card 888.918.7749    24 hours a day, 7 days a week
Member Service Center 800.550.5328    Monday – Friday, 8:30 AM – 8:00 PM, EST
PIN Now (change your PIN) Credit Card    800.631.3197
Debit Card    866.985.2273
FTC’s Identity Theft Hotline 877.438.4338
Password CHANGE YOUR PASSWORD

Security Center

Using state-of-the-art fraud prevention systems, our dedicated staff monitors your accounts for fraud and unusual activity and will notify you of any suspicious activity. We follow strict safeguards when mailing out cards and statements, and verify your identity whenever calling in.

To be certain that we reach you quickly, please make sure we have your updated contact information.

We Might Be Calling You

We recommend that you provide us with your mobile phone number as your primary phone number on your VISA Debit Card and/or Credit Card account for ease in contacting you.

Based on previous card usage, if your Justice Federal VISA purchase looks suspicious, we'll attempt to contact you to verify if its rightful owner used the card - or if the account has fallen into the wrong hands. If the account is being used fraudulently, we can minimize additional activity from occurring.

We care about your account security. If you receive a call asking about purchases made with your Justice Federal VISA, please take a moment to talk to our fraud investigator to verify your debit or credit card activity.

If you receive a call asking you to verify your CURewards redemption, please take a moment to talk to our fraud investigator to verify your redemption activity.

Important Travel Notice

Prior to traveling outside of your normal area of card use, be it domestic or foreign, please log in to Digital Banking to note the dates and location(s) you will be visiting. A travel memo will be immediately placed on your account which will prevent your VISA Debit and VISA Credit Cards from possibly being blocked due to unusual activity in those locations. You may also call us, at least 48 hours in advance, at 800.550.5328 to let us know the dates and location(s) you will be visiting. If traveling over a weekend, please notify us by 4:30 PM (EST), the Friday before your departure so we may note your cards accordingly.

International Travelers

VISA International ATM providers are permitted to impose an access fee on international ATM cash disbursement transactions. VISA cardholders traveling internationally may be charged an access fee on international ATM cash transactions. The amount of the access fee charged is at the discretion of the VISA International ATM provider.

Blocked Countries

Periodically events take place, which cause us to block certain merchants and even entire countries. The following merchants are currently blocked:
Cuba: All merchants
Azerbaijan: All merchants
Japan: Grocery stores and supermarkets, taxicabs and limousines, hobby, toy, and game shops, and electronics.
North Korea: All merchants
Malaysia: All merchants

Although these merchants are currently blocked, this could change at any time. If you are planning on traveling to these countries, ask us about alternative methods to help you access your money.

At Justice Federal, we're serious about protecting you from fraudulent activity on your Debit and Credit cards. That's why we've strengthened our defenses with a new, automated system that can identify threats faster, notify you sooner, and equip you with the tools you need to take IMMEDIATE action against fraud.

Our Automated Fraud Alert System Includes

Immediate Alerts
When suspicious activity has been detected on your account, we don’t wait for an agent to dial your number – our automated system will contact you by SMS text message, at no cost, or phone call.

2-Way Communication
You can take action the second you receive your alert – by texting the provided command word or interacting with the automated system on the phone; simply follow the instructions to answer questions regarding your recent card activity.

Real-time Support
Our live agents are ready to assist you at any time to ensure you receive the best defense exactly when you need it.

A unique password for all of your online accounts makes it harder on cybercriminals to gain access to the information they are looking for.

Justice Federal Online Banking Passwords:
• Are case sensitive
• Must not be the same as your account number or username
• Must be between 8 and 20 characters long
• Must contain at least 1 number
• Must contain only letters, numbers and these special characters ~!@#$%^&?*+=

CHANGE YOUR PASSWORD

Stay Safe Online
To educate and empower our global digital society to use the Internet safely and securely.

STOP. THINK. CONNECT.
The global online safety awareness campaign to help all digital citizens stay safer and more secure online.

On Guard Online
The FTC’s free online security tips and resources.

FBI Kids Page
Learn more about the FBI and Kid's Safety with games, tips, stories and interactives.


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2-Step Authentication

Protect your accounts against password theft with Google Authenticator.

Google Authenticator Instructions
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Identity Theft

If you've been a victim of identity theft, file a complaint with the FTC by contacting the FTC’s Identity Theft Hotline by telephone 877.438.4338.

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