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Security & Fraud Protection

Stay protected from identity theft, phishing attempts, and fraud with our comprehensive security resources. 
Report Fraud

Your Security Is Our Priority

At 3Rivers, safeguarding your financial information is at the heart of everything we do. Since 1935, we've been protecting our members with advanced security measures, fraud monitoring technology, and proactive education.

How We Protect You Every Day

We monitor accounts around the clock using our EnFact fraud detection system. Our EMV chip-enabled cards provide additional security, and our digital banking features multi-factor authentication to protect your information online.

Reporting Suspicious or Unusual Activity

If you suspect or locate any unauthorized or unusual activity on your 3Rivers account, or believe you’ve been a part of phishing attempt, ACT IMMEDIATELY. If it involves your 3Rivers account, you can:

  • Call us at 800.825.3641
  • Send a secure message from your Online Access Message Center if you see a fraud attempt
  • Visit any of our branches to talk with a team member.
  • Write us: 3Rivers - Attn: Identity Theft; P.O. Box 2573; Fort Wayne, IN 46801-2573

Give us as much detail as you can, but NEVER provide account numbers by email. If necessary, we’ll contact you to discuss further and personally assist you.

Falcon Fraud Monitoring Features 
  • Monitors unusual transaction amounts or patterns that don't match your spending habits 
  • Detects purchases in unexpected locations or from unfamiliar merchants 
  • Identifies multiple rapid transactions that could indicate stolen card information 
  • Tracks high-risk merchant categories frequently targeted by fraudsters 
  • Alerts on card-not-present transactions showing signs of account takeover 

Security & Fraud FAQs

Get detailed answers to common questions about fraud protection, identity theft prevention, and account security at 3Rivers.
What should I do if my 3Rivers debit or credit card is stolen?
Call us immediately at 800.825.3641 or use the card lock feature in digital banking. Report the theft to local police. Visit any of our branches in Fort Wayne, Indiana and Ohio for an instant replacement card printed on the spot.
What are the most common scams targeting credit union members right now?
Current scams include IRS impersonation, fake fraud alerts requesting one-time passcodes, romance scams, lottery notifications, tech support fraud, and phishing texts about suspicious transactions. If something seems too good to be true or creates urgency, it's likely a scam.
How can I tell if a website or email is really from 3Rivers?
Always verify the URL starts with https://3riversfcu.org with proper spelling. We'll never ask for passwords or account numbers via email. When in doubt, navigate directly to our website by typing the address rather than clicking email links.
Is my money protected if fraud occurs on my 3Rivers account?
Yes. Your deposits are federally insured up to $250,000 by the NCUA. Additionally, your Mastercard® debit and credit cards come with Zero Liability Protection, meaning you won't be responsible for unauthorized transactions when you report them promptly. 
What is phishing and how can I protect myself?
Phishing is when scammers pose as trusted organizations through fake emails, texts, or websites to steal your information. Protect yourself by never clicking suspicious links, always verifying sender identity before responding, and reporting attempts immediately.
What should I do if I receive a suspicious call or email?
Don't respond or provide any information. Hang up or delete the message immediately. Contact 3Rivers directly at 800.825.3641 or through secure messaging in your digital banking to verify if the communication was legitimate.

Learn More & Stay Protected

Additional Security Resources

Explore comprehensive security tools and educational resources to enhance your financial safety and protect your accounts.

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