Important: We will never call or text you and ask for the following information:

  • Personal Identification Number (PIN)

  • Full Social Security Number

  • Full Debit Card Number

  • Online Banking Passwords

  • One-Time Passcodes

Protect Yourself from Fraud and Scams

Scammers are constantly finding new ways to trick people into giving away money or personal information. At White Sands FCU, we're committed to helping our members stay informed and protected.

Common Scams to Watch For

  • Impersonation Scams

Fraudsters may pretend to be from White Sands FCU, a government agency, a utility company, or another trusted organization. They may call, text, or email asking for account information, passwords, or verification codes.

  • Phishing Emails and Text Messages

Scammers send messages that look legitimate and encourage you to click a link or provide personal information. These messages often create a sense of urgency to get you to act quickly.

  • Online Marketplace and Payment App Scams

Be cautious when buying or selling items online. Fraudsters may request payment through peer-to-peer payment apps or send fake payment confirmations.

  • Romance and Investment Scams

Scammers build trust over time and then ask for money, gift cards, cryptocurrency, or personal information. If something sounds too good to be true, it probably is.

  • Spoofing Scams

Spoofing occurs when a scammer disguises their phone number, email address, or website to make it appear as though the communication is coming from a trusted source, such as White Sands FCU. You may receive a call that appears to be from our phone number or a text message that looks legitimate. The goal is to gain your trust and convince you to provide sensitive information or send money.

Remember: Just because a call, text, or email looks legitimate doesn't mean it is. If you're unsure, hang up and contact White Sands FCU directly using a trusted phone number.

How to Protect Yourself

  • Never share your Online Banking password, PIN, or verification codes.

  • Be cautious of unexpected calls, texts, or emails requesting personal information.

  • Verify requests by contacting the organization directly using a trusted phone number.

  • Monitor your accounts regularly for unauthorized activity.

  • Enable account alerts through Online Banking and the Mobile App.

  • Keep your contact information up to date so we can reach you if we detect suspicious activity.

How White Sands FCU Helps Protect You

We use multiple layers of security to help safeguard your accounts, including:

  • Fraud monitoring and account security measures

  • Secure Online Banking and Mobile Banking access

  • Multi-factor authentication and verification tools

  • Debit card controls and account alerts

If You Think You've Been Scammed

If you believe your account information has been compromised or you've noticed suspicious activity, contact White Sands FCU immediately. The sooner we know, the sooner we can help protect your account.

Call us at 575-647-4500 or visit your nearest branch for assistance.

Remember: White Sands FCU will never call, text, or email asking for your password, PIN, or Online Banking verification codes.