Use the Card On/Off feature in Mobile and Online Banking. Simply tap the button to turn your card to the off position.
Credit and Debit Cards
If traveling within the US travel alerts are not necessary. If traveling internationally a travel note is helpful. Please ensure we have a good phone number so Visa’s Fraud Prevention system can reach you to confirm or deny any purchases.
If you know the old PIN, you can change it by calling 866-599-5617 and select option 3 to change the PIN. If the existing PIN is not known, you will need to call the credit union to have Card Services reset the card. After the card is reset call the activation line at 866-599-5617 and select option 1 to activate and set a PIN.
Call Card Services at 503-220-2592 immediately to block all transactions for the card. If you have our Mobile Banking app you can use the Card On/Off service to immediately block your card until you are able to talk with Card Services.
- Monitor your credit report by pulling one report a year for each of the three credit reporting agencies at annualcreditreport.com. Pull one in the spring, one in the summer, and one in the fall. That way you will be able to see if there are any unauthorized credit accounts or application. Then file disputes with each agency when/if you find any.
- Keep a close eye on the balances and transaction details of your accounts (Checking, Savings, Credit Card, etc) by reviewing your monthly statements and using Online and Mobile Banking. If you see a charge on your account you aren’t familiar with report any unauthorized transactions immediately.
- Pay attention to your billing cycles. Follow up with creditors if your bills don’t arrive on time. A missing bill could mean an identity thief has taken over your account and changed your billing address to cover his tracks.
If you suspect that your personal information has been used to commit fraud or theft, take the following steps right away:
- Contact the fraud departments of each of the three major credit bureaus below and tell them you have been a victim of identity theft. Ask them to place a “fraud alert” in your file, as well as a “victim statement.”
- Equifax – 1-800-525-6285
- Experian – 1-888-EXPERIAN (397-3742)
- TransUnion – 1-800-680-7289
- Contact Trailhead, any other financial institutions you use, and your creditors to protect your accounts and close them if necessary. You may want to report stolen checks to the following agencies:
- National Scan Check Fraud Service: 1-843-571-2143
- SCAN: 800-710-262-7771
- TeleCheck: 800-710-9898
- CrossCheck: 707-685-0551
- Equifax Check Systems: 800-437-5120
- International Check Services: 800-526-5380
- ChexSystems: 800-428-9623
- CheckRite: 800-766-2748
- Privacy Council: 202-829-3660
- File a report with your local police or the police in the community where the identity theft took place. Keep a copy of the report because you may need it to validate your claims to creditors.
- File a complaint with the FTC online at the FTC identity theft site or by calling 1-877-IDTHEFT (438-4388).
- Report stolen mail to your local postal inspector at 503-279-2060.
- Report your incident to the Social Security Fraud Hotline at 800-269-0271.
Online and Mobile Banking Security
Under the Online Banking Login box, click on Forgot Password. Then from the drop-down menu, click on the Forgot or Reset Password tab. Enter the prompted customer verification information. You will then have the option to reset your password.
Passwords must meet the following requirements:
- Must be between 12 and 20 characters in length
- Must contain at least one letter, number, and special character
- Must contain both uppercase and lowercase letters
- Cannot contain the following special characters: . @ : ~ (Period, At, Colon & Tilde)
- Cannot be one of your last 3 passwords
- Having a strong password for your device is the first step in preventing the loss of any personal information if the device is lost/stolen. This is especially true if you use your mobile device for Online Banking services.
- Contact your carrier as well as your device manufacturer to see if they can assist you in wiping your device remotely. (Some services, such as Google allow you to do this online after you’ve logged into your account).
- If you had PIN login setup on your lost/stolen device it may be wise to disable this feature by logging into the app on another device and disabling the feature through the ‘Settings’ menu. By disabling the PIN login you can ensure that both your username and password will be required to access the mobile app rather than just a 4 digit PIN (which has the possibility of being guessed).
Fingerprint authentication is currently only available on supported Apple mobile devices.
If you do own a supported Apple device this functionality can be enabled/disabled in the ‘Settings’ section of the app.
- Set up a strong Online Banking username and password that you do not use anywhere else (e.g. Do not use the same username/password for your email as you do for Online Banking)
- Do not share your password with anyone, including Trailhead staff.
- If you believe any of your devices or accounts have been compromised (Malware, hacking, 3rd party breach, etc.) change both your username and password on your account.
- Set up Account and Security email alerts using the Trailhead Mobile App and Online Banking Service.
- Keep a close eye on your account balances so that you can recognize any suspicious transactions.
- Use the Card On/Off functionality within the Trailhead Mobile App and Online Banking service to disable your debit/credit cards when they are not being used.