Check Fraud/ Stolen Checks

 

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: Visit a branch location to close your account and any VISA Debit Cards associated with the account. To place an immediate freeze on your account call 281.488.7070. 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.
      • Step 4: A new account will be opened and new checks and Visa Debit Card will be issued.
      • Step 5: If the stolen/fraudulent check or checks have been processed, then an Affidavit of Forgery-Merchant form will need to be completed. You will take this form to the merchant/payee who received the fraudulent or stolen check to assist in disputing the transaction with the company.
      • 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 branch please follow the instructions below to complete your request by mail/email.

      • Step 1: Contact our Accounting Department by email at  This email address is being protected from spambots. You need JavaScript enabled to view it.  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: It is strongly recommended that you notify the police and obtain a case number for claims greater than $500. The case number will need to be provided to the Credit Union.
      • Step 3: An Accounting 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.
      • Step 4: If the stolen/fraudulent check or checks have been processed, then the Accounting Representative will mail or email you an Affidavit of Forgery-Merchant form. You will take this form to the merchant/payee who received the fraudulent or stolen check to assist in disputing the transaction with the company.
      • Step 5: Contact our Member Services Department at 281.488.7070.  A Member Services Representitve 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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