Security Center

SAFEGUARD YOUR ACCOUNTS, CARDS AND PERSONAL INFORMATION

Your Card, Your Control: Never hand it over to anyone

Beware of scammers who may try to collect your debit card or personal information from your home. Andrews Federal will never send anyone to your home to retrieve your debit card or request sensitive information.

Keep your phone to yourself

Handing your phone to a stranger can lead to fraud, as scammers may steal personal data, access banking details, or install malicious apps. Even a brief moment is enough for identity theft or financial loss. To stay safe, avoid giving your phone to strangers—if someone needs help, make the call for them instead.

Andrews Federal employees will never ask for your PIN or password – Neither should anyone else

If someone contacts you and says they are from Andrews Federal, be suspicious. Andrews Federal will not contact you and ask you to reveal account information, password or PIN. If you receive a request of this nature, it is probably a scammer. End the conversation and report it immediately. 

Don't text personal information

Never share personal information over the phone—use secure, verified channels instead. Even harmless details, like your birthdate, can be dangerous when combined with other data. Fraudsters gather small pieces of your information over time until they have enough to access your accounts.

Your Card, Your Control

When you schedule an appointment online through our website to request a call back at a specific time, you can trust that the call will come directly from Andrews Federal. If anything about a call or conversation seems suspicious, hang up and call back to our Member Service Center. 

Add your card to your digital wallet for safer shopping

Add your debit and credit cards to Apple Wallet or Google Wallet for an extra layer of protection. It keeps your card details hidden during transactions and helps prevent fraud.

Set up fraud alerts for added account protection

Get instant alerts for card transactions, deposits, checks, and more. Set them up in Digital Banking and receive updates by text, email, or secure message—so you're always the first to know.

Report a lost or stolen card

If your card is missing, let us know immediately so we can help protect your account from unauthorized transactions

To replace your damaged, lost, or stolen card, please log in to Digital Banking. It’s quick and easy and you will receive your new card in 7-10 calendar days, or longer if you reside Overseas.

1. Once you’re logged in
2. Go to Main Menu
3. Go to Card Services
4. Go to Card Management
5. Select the image of your card 
6. Scroll down to Card Management, and go to Report lost or stolen
7. Then, fill out the fields to report your card as damaged, lost, or stolen, and order a replacement

REPORT YOUR CARD

If you're not enrolled in Digital Banking yet, get started here.

ENROLL

Report Account Fraud

Proactive steps when you see an account concern

• If you see unusual activity on your accounts, log in to Digital Banking and send us a secure message with the details of the issue.
• While you are logged in to Digital Banking, you can also temporarily disable your Andrews Federal debit and/or credit card by using the Card Management function. You can easily turn your card back on once your issues are resolved.

Report A Security Concern

Let us know if you receive something suspicious

If you received a suspicious email, text message, or phone call that mimics Andrews Federal, contact us immediately at [email protected].

Learn how to keep your information secure

Prevention Tips

Steps you can take

• Turn on your account alerts to be notified immediately of any unwanted activity.
• Update your passwords every 90 days, and do not use the same password for more than one account.
• Stay up to date by subscribing to our 'Copy That' blog for additional security tips and tricks.
• Learn more about identity theft and other ways to protect yourself at IdentityTheft.gov or the Consumer Financial Protection Bureau.

Safe and secure Digital Banking

• Your username and password must be at least eight letters, numbers and special characters.
• A secure access code is required when logging in from a new device. This code is sent to you by voice, email, or text.
• Use a biometric authentication option, such as Face ID, Touch ID, Samsung Pass, Fingerprint Unlock or Face Unlock, to add an extra layer of security and reduce the potential for invalid logins.

Set-up a Telephone Passphrase

• To further safeguard your account, create a telephone passphrase in Digital Banking. A telephone passphrase is used when you need to speak with us over the phone. We will ask you to provide this passphrase each and every time you call us. 

• It's easy to add a telephone passphrase. Simply log in to Digital Banking and go to Settings > Telephone Passphrase. Then, choose how you want to receive a one-time secure access code. Enter the code, and add your passphrase. 

View your FICO® score for free

• A FICO score is a type of credit score created by the Fair Isaac Corporation.
• Reviewing your score can help prevent identity theft.
• Andrews Federal Visa® credit card holders can view their FICO score for free by logging into Digital Banking.
• Free FICO scores are updated once per quarter (restrictions apply)
• Get a free copy of your credit report every 12 months from each credit reporting company at annualcreditreport.com.

Common types of fraud

Learn how to protect yourself

Cybercrime is more common than you might think. Every day, cybercriminals are finding new ways to attack accounts and steal sensitive personal information like account numbers, passwords, and more. 

Social Engineering

Social engineering can include phishing, smishing or vishing methods to access your personal information.

• Phishing: Using fake emails, websites or social media to trick you into giving away personal information like passwords or credit card numbers.
• Smishing: Using text messages (SMS) to encourage you to share personal information, click malicious links or reveal sensitive information. 
• Vishing: Making phone calls pretending to be from a trusted person or organization as a way to steal your personal or financial details.

You can reduce the potential of being tricked by these scams by: 

• Never sharing personal or information with anyone. 

• Contacting your credit union to verify suspicious requests or report potential fraud. 
• Never clicking on links unless you know the sender AND are expecting the message. 
• Being alert and vigilant. Many scammers can sound very trustworthy and use a sense of urgency to create fear in their victims. If someone is pressuring you to share information or make a payment, step back from the situation and evaluate it, then report it. 

Malware

Malware is short for “malicious software.” When malware is added to your system, it can corrupt your computer and steal your personally identifiable information. Examples of malware can include viruses, worms, Trojan viruses, spyware, adware, and ransomware.

• Install and maintain antivirus software on your devices as an added layer of protection for your personal and account information.

Credential Stuffing

In credential stuffing, scammers use stolen usernames and passwords (usually collected from data breaches of other sites) and try them on different websites as a way to gain access. Their attempts can be successful if you use the same username and password across multiple sites.

Protect yourself from credential stuffing by using a variety of strong, unique, difficult to guess passwords, by using multi-factor authentication when possible, and by updating your passwords regularly.

Debit or Credit Card Fraud

Cybercriminals steal card numbers and information through many of the methods described above, as well as through scams where they take your physical card. To prevent unwanted transactions, protect your card information zealously and keep control of both your physical card and your digital accounts/access.

You can learn more about card fraud and card fraud prevention in this article.

Identity Theft

Identity theft occurs when fraudsters steal your personal information (social security number, name, address, bank details, etc.) and use it to commit fraud. They may use your information to open new credit cards or loans, and can cause damages that affect your credit for years to come. 

You can protect yourself by: 

• Regularly monitoring your FICO score (accessible in Digital Banking)
• Setting alerts on your account to ensure you are aware if unexpected transactions occur 
• Using strong, unique passwords and enabling multi-factor authentication 
• Being cautious of phishing emails, calls, or messages asking for personal data.
• Reporting unexpected transactions or suspicious calls/messages to your financial institution as quickly as possible 

Additional Resources

These resources offer a comprehensive overview of identity theft, fraud prevention, and assistance for victims.

Get a free credit report once a year.

• annualcreditreport.com

Information in regards to identity theft, security and privacy.

• Federal Trade Commission

Tips and advice about common security issue.

• Cybersecurity & Infrastructure Security Agency

Advice for protecting your mobile device.

• Federal Communications Commission

Best practices for password authentication.

• Federal Trade Commission

File an internet crime complaint.

• Federal Bureau of Investigation