Account  / ACH Transaction Fraud

Account fraud occurs when someone uses your account and routing number to make purchases debiting from your account without your permission. Your JSC FCU account information is no longer secure; therefore, your account will need to be closed, and a new account will need to be opened.

Consumers: To limit your liability, unauthorized Electronic Funds Transfer(s) must be reported within 60 calendar days of the credit union’s transmittal of the statement on which the transaction appears..

Non-Consumers: To limit your liability, unauthorized Electronic Funds Transfer(s) must be reported within two (2) calendar days from the date of the transactions.

Instructions:

  • Step 1: To place an immediate freeze on your account call 281.488.7070 or visit a solution center.
  • Step 2: It is strongly recommended that you notify the police and obtain a case number for claims greater than $500. 
  • Step 3: Complete at Written Statement of Unauthorized Debit form.
  • Step 4: A new account will be opened and new checks and Visa Debit Card will be issued.
  • Step 5: If recurring automatic credits or debits were set up on your account, please contact the company or merchant to update your account information

If you are unable to visit a solution center, please follow the instructions below to complete your request by mail/email.

  • Step 1: Contact our support team by email at support@jscfcu.org or call 281.488.7070 to place an immediate freeze on your account and receive the necessary forms and instructions to dispute any unauthorized transactions.
  • Step 2: It is strongly recommended that you notify the police and obtain a case number for claims greater than $500.
  • Step 3: A representative will mail or email you a Written Statement of Unauthorized Debit form to be completed.
  • Step 4: A representative will mail or email you a Closed Account Letter form. This form will need to be completed and the original will need to be mailed back to the Credit Union.
  • Step 5: A new account, Debit Cards and checks can be ordered online, electronically using Docusign or through the mail.
  • Step 6: If recurring automatic credits or debits were set up on your account, please contact the company or merchant to update your account information.

 

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