Shield Yourself
We help protect your information
Your go-to resource for real-time fraud updates. Visit this page for the latest fraud alerts and updates.
Things to remember
IHMVCU will never call or text you to ask for your full card number, online or mobile login details, full account number, Social Security number, or to click a link to verify a transaction.
At IHMVCU, we use advanced fraud protection systems to monitor your accounts for any suspicious activity and prevent unauthorized transactions. If you become a victim of fraud, we'll work with you to restore your account and protect your information, at no cost to you.
What to do if you think you’ve experienced fraud
Think you’ve been targeted by fraud? Don’t panic. Act fast to stop the damage before it gets worse!
- Unauthorized transactions: If you don’t recognize a transaction posted to your account, immediately contact us.
- Lost/stolen cards: If it’s during business hours and your card is lost or stolen, or you suspect fraud or identity theft, please call us at 309-793-6200. If it's after business hours and you've lost your card, suspect fraud, or think you may be a victim of identity theft, call 844-697-2553.
- Unauthorized check cashed from your account: If a check is cashed from your account that you didn’t approve, you’ll need to visit a branch in-person to resolve the issue.
- Online and mobile banking compromised: If you clicked on a suspicious link or shared your online banking information, immediately change your password and then contact us.
Contact IHMVCU
If you think you've been a victim of fraud, please reach out to us as soon as possible.
Call us at 309-793-6200
Stop into a branch location
Next Steps
After speaking with IHMVCU, take these steps if needed:
Report the incident to your local police or law enforcement.
If you shared personal info, contact the major credit bureaus to place a fraud alert:
Experian: 888-397-3742;
TransUnion: 800-680-7289;
Equifax: 800-525-6285
A fraud alert can help stop others from opening accounts in your name.
Scammers are getting more creative, and financial institutions, including IHMVCU, are not exempt from the rise in fraud. As these fraudsters become more sophisticated, it's crucial to stay alert and protect yourself.
Check out the most common scams you should watch out for.
Teen fraud
Scammers target teens with offers to “make quick money” by depositing a fake check into their account. They’re told to keep a cut and send back the rest but the check bounces, and the teen is left responsible.
Romance scams
Scammers build fake online relationships to gain trust, then ask for money or personal information. They often target seniors and use emotional stories to manipulate victims.
AI-powered scams
Scammers now use AI to impersonate IHMVCU staff or loved ones, cloning voices to sound believable and tricking you into sharing personal information or sending money.
Elder fraud
Scammers often target seniors through deceptive calls, emails, or in-person tactics, using promises of lottery winnings, inheritances, or emotional manipulation to access their IHMVCU accounts.
ITM/ATM skimmers and shimmers
Scammers place hidden devices on ATMs or ITMs to steal card data. Skimmers capture card numbers, while shimmers target the chip – both can lead to fraud.
Debit & credit card fraud
Occurs when someone uses your card info without permission. Skimmers steal card numbers, while shimmers copy chip data.
Shmishing (text message) scams
Fraudsters send fake texts pretending to be IHMVCU or a trusted source, often with links or requests for personal info to steal your account details.
