Spoofing Scams Are on the Rise: Here's How to Protect Yourself

At Good Neighbors Credit Union, we’re committed to helping our members make informed financial decisions and stay safe from fraud. Recently, we’ve received reports of scammers contacting members by phone and text message while pretending to be Good Neighbors Credit Union.

These scams, known as “spoofing,” can be convincing – but knowing what to look for can help you protect yourself and your accounts.

What Is Spoofing?

Spoofing occurs when a scammer disguises their phone number or text message so it appears to come from a trusted source, such as your credit union.

You may receive a call or text claiming there’s suspicious activity on your account, a problem with your debit card, or a transaction that needs immediate attention. The scammer’s goal is to create urgency and convince you to share sensitive personal information.

Remember: Just because a phone number looks legitimate doesn’t mean it is.

What Good Neighbors Will Never Ask For

As a reminder, Good Neighbors Credit Union will never call or text you asking for:

Your full debit or credit card number
CVV or security code
Full Social Security Number
Online banking passwords
PIN number
MFA (Multi-Factor Authentication)
Answers to security questions for account access (ex. “What street did you live on as a child”)

If someone contacts you unexpectedly and requests this information, do not provide it.

What If a Caller Claims There’s Fraud on My Account?

Scammers often use fear and urgency to pressure people into acting quickly.

If you receive a call or text claiming there’s suspicious activity on your account:

Stay calm.
Do not provide personal information.
Do not click any links.
End the conversation if something feels suspicious.

Legitimate transaction attempts—even those that are declined or blocked—will appear in your online banking transaction history, although they may not show immediately.

If you’re concerned about a transaction, contact us directly using a phone number you know and trust.

Do I Need to Block My Card?

In most cases, no.

Receiving a spoofing call or text alone does not mean your card has been compromised.

Before taking action, review your account activity. If there are no unauthorized transactions showing on your account, there is typically no need to block your card.

Instead, we recommend:

Blocking the scam phone number
Monitoring your accounts regularly
Reporting suspicious communications
Contacting us if you have concerns

A Good Rule of Thumb

Never provide sensitive personal or financial information through an unsolicited phone call, text message, or email.

When in doubt, hang up and contact Good Neighbors Credit Union directly. We’d much rather answer a question than see a member become the victim of a scam.