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Use the information in these tips, articles, and links to help keep your identity safe.
We’re committed to keeping you safe with state-of-the-art physical and digital banking security measures.
We use cutting-edge fraud monitoring tools that monitor your account for suspicious transactions and activity to help protect you against fraud. If we detect unusual purchasing patterns or locations, we may deny or hold a transaction until we’re sure that it’s valid.
This is why we recommend you let us know when you’re traveling outside of your normal spending area – even if it’s just a few states away from where you live. Notify us of your travel plans by sending a secure message in the mobile app or online banking or calling 800-375-3674.
The Resource One website, mobile app, and other digital channels use protocols to ensure that data transmissions are secure.
You can register your computers or mobile devices with us, so we’ll know when your account is being accessed from unauthorized equipment; we’ll then ask additional security questions to confirm that it really is you accessing the account.
Resource One Visa® credit and debit cards have EMV smart chips, which are the global standard for card security. Resource One Visa® debit cards also feature contactless technology; simply tap to pay at checkout for an added layer of protection against fraud.
Mobile Payment Technologies
Your Resource One Visa® credit and debit cards are compatible with mobile payment wallets like Apple Pay®, Google Pay™, and Samsung Pay™, which use tokenization to provide additional security. Use your Resource One Visa® debit or credit card to pay for purchases using these mobile payment apps or other digital wallets like PayPal or Venmo.
Resource One accounts are insured by the NCUA for up to $250,000 – providing the same benefits as FDIC insurance for a bank account.
Strict Data Privacy
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Report A Lost or Stolen Card
Credit Card: 833-541-0777
Debit Card After Hours: 833-933-1681 or International: 812-647-9794
Report A Lost or Stolen Card
If you are traveling, send a secure message in mobile or online banking, or call Resource One at 800-375-3674. You’ll be able to use your credit and debit cards seamlessly as you travel.
Change your password for online and mobile banking anytime by logging in to online banking or the mobile app.
If you believe you have been a victim of fraud and you want us to temporarily suspend your account, call us at 800-375-3674.
What You Can Do
Take advantage of our security tips and practices to keep yourself as safe as possible.
Keep your computer secure
Set up screen-lock passwords on all phones, tablets, and computers you use. Equip your computers with virus and spyware protection software and keep your computer operating systems and browsers updated. And avoid modifying your operating system (commonly called “jailbreaking”), which will void the warranty and could expose your device to potential threats.
Protect your debit card from skimming
Before you use your debit or credit card at an ATM, store, or gas pump, take a good look at the card payment terminal to see if it looks suspicious. Extra parts sticking out or lose pieces may indicate the presence of a skimming device that thieves use to capture card info.
Sign up for two-factor authentication
Opt-in to Two-Factor Authentication for an added layer of protection when you log in to your Resource One accounts.
Notify the Credit Bureaus
It is highly recommended that you contact the three national consumer reporting agencies, Equifax, Experian, and TransUnion, if you believe you have been a victim of identity theft. Ask each agency to place a “fraud alert” on your credit report and send you a copy of your credit file.
Create strong, unique usernames and passwords
Good usernames and passwords are key to prevent unauthorized account access. Create unique usernames for your financial accounts, use a different password for each site, and never reuse the same username or password on multiple financial sites. That way, if a hacker gains access to one account, the same login info won’t give them access to others.
Avoid using online banking while on public WiFi networks; use your cell phone data connection instead. Don’t allow browsers to remember your passwords for financial sites or sites where you shop, and only log in to sites with secure browsing (look for “HTTPS” in the URL instead of “HTTP”).
Stay informed about scams
Subscribe to the Federal Trade Commission (FTC) Scam Alerts to receive an email about what to watch out for when a new scam is becoming widespread.
Contact the local Police
In the event of identity theft, it is important that you notify your local police department and file a report. Be sure to request a report number or a copy of the report, for your records and, if necessary, to include with any affidavits you may need to provide.
Monitor your accounts & use alerts
Regularly monitor your accounts for unauthorized transactions. Resource One easy-to-use alert system, including real-time fraud text alerts, helps you monitor your accounts so fraud won’t go undetected. If you notice anything suspicious, contact us immediately. Resource One must receive notification of suspected fraud within 60 days of the suspicious or fraudulent transaction in order for you to file a claim.
Protect your PIN
Never share your PIN (Personal Identification Number) with others, and be careful when entering your PIN. Pay attention to your surroundings in the checkout line or at an ATM and shield the keypad from view as much as you can while entering your PIN.
Enable direct deposit
Have your paychecks and dividends deposited directly to your checking or savings account so you won’t have to worry about lost or stolen checks.
Mobile banking safety tips
Download apps only from trusted sources
Only download apps for your device on trusted sources such as the Apple App Store and Google Play. This will protect you against fake and malicious apps that may target your data.
Use mobile payment technology
Add your Resource Visa® debit or credit card to mobile payment apps that use tokenization – like Apple Pay®, Google Pay™, or Samsung Pay™. Every time you pay using the mobile payment app instead of using your physical card, you help to shield your card number from fraud.
Install software to find and remotely wipe your mobile phone
In case your mobile device is lost or stolen, you should be able to remotely wipe your data to prevent unauthorized access. Install and configure an app that will let you remotely locate and wipe your phone (for example, “Find My iPhone” or “Find My Android”).
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