Fraud Protection

Be educated, be aware, and be safe to protect yourself and others from fraud.

At 3Rivers, we take the security of your account information very seriously. It’s our priority to safeguard this information and provide you with resources and updates that can help you protect yourself from fraudsters and scams.

Types of Fraud

Scammers often pose as government officials (commonly the IRS), your financial institution, someone in a position to gift you money, or someone in distress. They may attempt contact through any communication channel possible, including social media, email, phone call or text message, and even postal mail. In some cases, identity theft can happen even without making direct contact with you.

It’s crucial that you always approach unexpected interactions with caution, never give out your personal information, and take care to keep personal documents safe from prying eyes. If you believe you’ve been targeted by a scammer or fallen victim, it’s important to report the activity to the proper organizations and authorities right away.

We'll Never Ask for Your Private Information

While we may contact you to verify suspicious activity or relay important matters about your account and membership, and ask you your security questions when you initiate contact, it’s important to note that we will NEVER ask for sensitive or personal information, like account numbers, social security numbers, PINS, usernames, or passwords.

From time to time, you may get phone calls, texts, or emails that appear to be from 3Rivers (or your other financial institutions) that don't feel quite right. Scammers have the ability to spoof phone numbers and emails to pose as such organizations. These are “phishing” scams in which fraudsters try to obtain your personal information for criminal use. If they get the right information, they can gain access to your accounts and commit unlawful acts. Again, we will never solicit personal information via email or phone.

If you're asked to provide personal information, input card or account numbers, or click on links that take you to webpages asking for more information, DON’T GO ANY FURTHER. End the phone call or exit the email and report this activity immediately.

Reporting Suspicious or Unusual Activity

If you suspect or locate any unauthorized or unusual activity on your 3Rivers account, or believe you’ve been a part of phishing attempt, ACT IMMEDIATELY. If it involves your 3Rivers account, you can:

• Call us at 800.825.3641
• Email us or send a secure message from your Online Access Message Center if you see a fraud attempt
• Visit any of our branches to talk with a team member.
• Write us: 3Rivers - Attn: Identity Theft; P.O. Box 2573; Fort Wayne, IN 46801-2573
• Complete a dispute form for unauthorized or authorized debit card activity.

Give us as much detail as you can, but NEVER provide account numbers by email. If necessary, we’ll contact you to discuss further and personally assist you.

Learn More About Fraud Protection

Note: Electronic mail (email) is not secure. Any confidential or sensitive personal/business information should not be communicated in this manner.