Truity Credit Union Blog

You’re going about your day and suddenly get a text from your credit union. It says there’s a problem with your account and asks for your login info or one of those security codes they just sent you.

Seems important, right? But here’s the deal—that’s almost always a scam.

Scammers are getting sneaky. They’ll send texts that look like they’re from your financial institution, warning you about suspicious activity or asking you to verify your account. Then they’ll ask for sensitive details like:

• Your username or password
• Your full card number
• The one-time passcode your credit union just texted you

But here’s the thing: legit credit unions will NEVER ask for this information over text, email, or phone. If someone is asking for these details, it's a scam.

How can you protect yourself?

• Never share your login credentials or security codes—even if the message seems urgent.
• Don’t click on links in unexpected texts or emails. Instead, go directly to your credit union’s website or app.
• Report suspicious messages to your credit union.

Bottom line:

If something feels off, trust your gut. It’s always better to double-check than to fall into a scammer’s trap. Stay alert and keep your personal info safe!