Stay Safe: Fraud & Security
Simple steps to protect your money, cards, and identity
Keep your cards and wallet safe with Card Suite Lite
Protect your debit and credit cards right from your phone with the Card Suite Lite app.
Turn your cards on or off instantly
Set spending limits
Block international transactions
You can even choose where and how your card can be used — online, in stores, or by location. It’s an easy way to keep your wallet safe and stay in control of your money, anytime, anywhere.
Bank online — do it safely
Use a strong password and a unique one for your banking site. Don’t reuse passwords.
Turn on multi-factor authentication (MFA) — that extra code helps stop strangers.
Only use the official Sea Air FCU app or website for banking. Don’t log in through links in texts or emails.
Avoid public Wi-Fi when you bank. If you must, use your phone’s hotspot or a trusted VPN.
Keep your phone and computer updated with the latest software and security patches.
Common scams — how to spot them
Phishing emails or texts
What to look for:
Messages that look like they’re from your bank, credit union, or a company you use — but something feels off. They may have misspelled words, strange links, or say your account is “locked” or “needs attention.”
How to protect yourself:
Never click links or open attachments in unexpected messages. Don’t share your password or card number by text or email. If you’re unsure, go directly to the company’s official website or app to log in.
Phone Scams
What to look for:
A caller who says they’re from the credit union, a government office, or tech support — and they need your information right away. They may sound friendly or threatening, but their goal is to make you act fast.
How to protect yourself:
Hang up. Then, call the number listed on the back of your card or on the official website. Never share your PIN, online banking password, or verification codes over the phone unless you started the call.A caller who says they’re from the credit union, a government office, or tech support — and they need your information right away. They may sound friendly or threatening, but their goal is to make you act fast.
Fake Websites
What to look for:
Sites that look like real bank or shopping websites but have slightly different web addresses or strange pop-ups asking for login info.
How to protect yourself:
Always type the web address yourself or use a saved bookmark. Before entering personal information, look for “https://” and a small lock symbol in the address bar — that means the site is secure.
Peer-to-Peer (P2P) Payment App Scams
What to look for:
Requests to send money through payment apps like Venmo, Zelle, or Cash App — often from someone you don’t know or someone pretending to be a friend or relative. Once you send money, it’s often gone for good.
How to protect yourself:
Only send money to people you know and trust. Double-check usernames and never send payments for “contests,” “prizes,” or “urgent help” from strangers.
Emergency or Family Scams
What to look for:
A message or call saying a loved one is in trouble and needs money right now — often for bail, travel, or medical bills. The scammer may pretend to be that person or claim to represent them.
How to protect yourself:
Pause before reacting. Hang up and call your loved one directly using a known phone number. Scammers count on your emotions — take a moment to verify before sending money.