Check Fraud / Stolen Checks

Check fraud occurs when checks are written from a member's account that they did not authorize or write. This can happen when a member's checks are stolen and used by someone else or by using the member's account information. 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.

       Instructions: 

      • Step 1: To place an immediate freeze on your account call 281.488.7070 or visit a solution center. If it is after business hours, an immediate freeze will need to be placed on the card by calling 1.866.692.9364. After you have chosen your preferred language, please press 2 to speak with a representative to freeze your card.
      • Step 2: You must notify the police and obtain a case number. The case number will need to be provided to the Credit Union.
      • Step 3: You will complete an Affidavit of Forgery - CUNA form and your signature will be notarized. Scanned documents can be accepted to start the investigation, but the originals will need to be returned to the credit union.
      • Step 4: A new account will be opened and new checks and Visa Debit Card will be issued.
      • Step 5: If the stolen/fraudulent checks are payable to a merchant or business, then an Affidavit of Forgery-Merchant form will need to be completed. You will keep a copy for your records and also present it to the merchant/business who received the fraudulent check to assure you are not held liable with them.
      • 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.

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 receive the necessary forms and instructions to dispute unauthorized transactions. To place an immediate freeze on your account call 281.488.7070. 
      • Step 2: You must notify the police and obtain a case number. The case number will need to be provided to the Credit Union. 
      • Step 3: A representative will mail or email you a Affidavit of Forgery - CUNA form. This form will need to be completed, notarized and the original will need to be mailed back to the Credit Union to begin the dispute process.  Scanned documents can be accepted to start the investigation, but the originals will need to be returned to the credit union.
      • Step 4: If the stolen/fraudulent checks are payable to a merchant or business, then an Affidavit of Forgery-Merchant form will need to be completed. You will keep a copy for your records and also present it to the merchant/business who received the fraudulent check to assure you are not held liable with them.
      • Step 5: Contact our support team at 281.488.7070.  A rpresentative 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 6: A new account, Debit Cards and checks can be ordered online or through the mail.
      • Step 7: 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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