Account / ACH Transaction Fraud

Account  / ACH Transaction Fraud

Account fraud occurs when someone is fraudulently using your account and routing number to make purchases debiting from your account through ACH(Automated Clearing House) transactions. 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. 
  • 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: 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 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 any 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 Written Statement of Unauthorized Debit form. This form will need to be completed and the original will need to be mailed back to the Credit Union to begin the dispute process.
  • Step 4: Contact our Member Services Department at 281.488.7070.  A Member Services 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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