Michigan Schools & Government Credit Union
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ATM Security

Using your ATM and Debit card safely is part of setting things right for yourself. Here are some tips to help protect yourself and your card:

  • Sign your ATM or debit card upon receipt.
  • Never share your Personal Identification Number (PIN) or give it out over the telephone, even if the caller identifies himself or herself as your financial representative, a police officer, or other person of authority.
  • Memorize your PIN and do not share the number with anyone. Do not write your PIN on your card or keep it in your wallet.
  • Monitor your transactions for unauthorized use. Online Banking makes it easy to review your transactions online daily.
  • Keep an eye on your card until the merchant completes your transaction; and make sure you get your card back.
  • Be aware of the expiration date on your debit card. If you do not receive a re-issued card before the expiration date, notify Member Service by calling 586.263.8800.
  • Once you receive a reissued card, destroy your old card (shredding is best).
  • Be aware of your surroundings, as you approach an ATM. If you notice anything out of the ordinary, visit the ATM later or go to another ATM location. If you suspect dangerous or illegal activity, go to a safe place and call the police.
  • Protect your privacy and the privacy of others. Be aware of others in line behind you at the ATM. Position yourself in front of the ATM keyboard to prevent anyone from observing your Personal Identification Number (PIN) entry.
  • Fill out deposit forms and have your card ready before approaching the ATM. When your transaction is complete, pocket your card and cash immediately. Count it later in the safety of your locked car or home.
  • Remember to keep your car doors locked, windows closed, when you are at the drive-up ATM.
  • Save your receipts. Do not leave your receipts at the ATM. Remember to record each transaction and match it to your monthly statement.

Take Steps to Protect Yourself from Fraud

Update Your Contact Information

When you move or change your contact information, make sure that your Credit Union is one of the first places you tell! Credit Union staff uses your account address to send important account notifications, fraud alerts, and even reissued credit cards. By keeping your phone number up to date, you can ensure that we can contact you in the case of suspicious account activity. Don’t let someone else get their hands on your financial information.

Update your account information in one of the following two ways:

  • Online: to change your contact information online, log into Online Banking from our home page, and then click on “Settings.” The “Account Actions” box will appear. Select “Change Address,” enter your new address/phone number in the designated fields, and then click on “Submit.”
  • In Person: to change your contact information in person, simply visit any of our branch locations.

For your security, we cannot change contact information over the phone. We can, however, answer any questions that you may have when you call 586.263.8800.

Scams

We are committed to providing you with information and suggestions to safeguard your Michigan Schools and Government Credit Union accounts and personal information. Below is some information about recent scams that you may find helpful.

Tips for Recognizing and Avoiding Fake Check Scams
Check Overpayment Scams
Be on alert. Stay informed. Protect yourself.

Identity Theft

Learn how to avoid identity theft, and find out what you need to do if your identity has been stolen.
Are you at risk of becoming an identity theft victim?