Frequently Asked Questions

What should I do if my 3Rivers debit or credit card is stolen?

Call us immediately at 800.825.3641 or use the card lock feature in digital banking. Report the theft to local police. Visit any of our branches in Fort Wayne, Indiana and Ohio for an instant replacement card printed on the spot.

What are the most common scams targeting credit union members right now?

Current scams include IRS impersonation, fake fraud alerts requesting one-time passcodes, romance scams, lottery notifications, tech support fraud, and phishing texts about suspicious transactions. If something seems too good to be true or creates urgency, it's likely a scam.

How can I tell if a website or email is really from 3Rivers?

Always verify the URL starts with https://3riversfcu.org with proper spelling. We'll never ask for passwords or account numbers via email. When in doubt, navigate directly to our website by typing the address rather than clicking email links.

Is my money protected if fraud occurs on my 3Rivers account?

Yes. Your deposits are federally insured up to $250,000 by the NCUA. Additionally, your Mastercard^® debit and credit cards come with Zero Liability Protection, meaning you won't be responsible for unauthorized transactions when you report them promptly. 

What is phishing and how can I protect myself?

Phishing is when scammers pose as trusted organizations through fake emails, texts, or websites to steal your information. Protect yourself by never clicking suspicious links, always verifying sender identity before responding, and reporting attempts immediately.

What should I do if I receive a suspicious call or email?

Don't respond or provide any information. Hang up or delete the message immediately. Contact 3Rivers directly at 800.825.3641 or through secure messaging in your digital banking to verify if the communication was legitimate.