Fraud & Security Center

Current Member Scams & Threats

Real Stories—Check Washing Scam—Terry says, "We put a check in the mailbox outside our local post office at noon and by four p.m. it had been stolen, altered, and whoever is involved, attempted to cash it".…

What We Do to Protect You

Highly-trained Specialists
Our representatives are sensitive to handling sensitive information are trained in privacy and security. We will never contact you asking for your account information. Never give out your credentials, card number, or security code.

Account Protection

Fraud Protection – Enjoy 24/7 fraud monitoring and rest easy knowing that if your debit or credit card is lost or stolen, you won't be responsible for any unauthorized charges.
Card Controls and Alerts – Lock and unlock your debit card, setup alerts and control how and where your card can be used.
NCUA Insurance – Deposits at Tower are insured up to $250,000 by the National Credit Union Administration (NCUA).

Enhanced Login Security
When logging in from a different or new computer or device, we authenticate your login using Two Factor Authentication (2FA) for added protection via text or phone using a verification code. Additional options of Biometric Login or via your favorite authenticator app (Duo, Authy, etc).

What You Can Do to Maximize Your Security

Customize your online banking username and avoid using your account number.
Create a complex password—a mixture of capital and lowercase letters, numbers and symbols. Make sure it’s at least eight characters long. Never reuse a password.
Enable an authenticator app from your device’s app store as an added layer of protection when logging in to digital banking.
Use free account alerts and notifications for all transaction activities.
It may be months before you learn that your identity has been stolen—unless you regularly check each of your credit reports for unauthorized transactions (which you ideally would do every quarter with each credit bureau).

Report Fraud

Report Fraud

Call our Member Service Center at 866-56-TOWER immediately:

If you have a lost or stolen card
If you receive a suspicious email or phone call claiming to be from Tower
If you opened a questionable link and shared your login credentials, PIN or other sensitive information
Use these forms to fill out card fraud or disputes.

Fallen Victim?
Do you believe you’ve fallen victim to a scam? Visit our Support & Victim Assistance Portal for assistance, resources and support info.

Urgent assistance
How and when to report any type of fraud
What to do if documents, credentials, or PII are lost or stolen.
Government, legal, credit, and advocacy resources
Online testing tools.

Freeze Your Credit
One of the strongest preventative measures you can take is to freeze your credit. It makes it difficult for cybercriminals to open up new accounts in your name or your children’s names. To freeze your credit in the United States, simply call the three credit bureaus (Equifax, Experian and TransUnion) and request a freeze. We suggest doing the same for all family members. A security freeze does not affect your credit score. And if you want to take a loan, unfreezing your credit is simple. Learn how.

Follow-Up/Next Steps
We can help you report fraud to the authorities.