Security Center

Our security practices and what you can do to enhance them.

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How to Protect Yourself

While it’s impossible to prevent frauds and scams, there are ways to minimize your risk.

Activate Account Alerts

Easily monitor your account activity and transactions 24/7. Get alert notifications when there is a deposit, withdrawal, or purchase from your account that is over a certain amount, and so much more.

Monitor Your Credit

Enroll in Credit IQ and get notifications when something major changes on your credit report. Plus, check your credit score for free and download a snapshot of your credit report anytime.

Switch to eStatements

Go paperless and eliminate physical documents that could be lost or stolen in transit. Our secure online banking portal ensures that your eStatements are delivered securely and are accessible to you 24/7.

Manage Card Controls

Upgrade your debit or credit card security with Card Controls. This allows you to manage your card securely by manually blocking it if it’s lost or stolen, helping protect your account from fraud.

Enroll in ID Theft Protection

Add an extra layer of protection with Mastercard ID Theft Protection™, provided at no extra cost by Mastercard. The service includes Identity Monitoring, Credit Monitoring, Fraud Protection, High‑Risk Transaction Alerts, and Resolution Services.

Protect Your Password

Do not give your password credentials to anyone. Best practice is to use strong passwords and change them regularly at least every 60 - 90 days. Enable screen locks to keep others from using your devices.

More Ways to Protect Yourself

  • Keep your contact information up to date so that we can contact you in case of suspicious activity or security threat.
  • Make it a practice to review your account statements and transactional history closely and regularly. If you detect any suspicious activity, you should promptly notify us. You should also report any fraud or incidence of identity theft to proper law enforcement, the state attorney general, and/or the Federal Trade Commission (FTC).
  • Never give your account information, passwords, access codes, or other confidential information to anyone. And remember, we will never ask you for them. So be wary of suspicious emails, phone calls, and text messages that request this type of information.
  • Tell us you’ll be traveling so we can help keep your card secure.
  • Avoid using public Wi-Fi or untrusted wireless networks, which make it easy for hackers to steal your personal information or install malicious software on your device.

Secure Banking, Built In

Our Security Practices

Safeguards against suspicious activity

We monitor your accounts with fraud prevention systems. If we detect suspicious or unusual activity on your account, we may place a temporary hold on it to mitigate potential fraud.

EMV Chip Cards

Our credit and debit cards are embedded with secure microchip technology, which provides an extra layer of protection against fraud.

Secure Login Technology

Our mobile app supports biometric identification when you use Apple TouchID, FaceID or Android fingerprint or facial authentication. We also encrypt your data to help ensure your personal and account information is confidential.

Validation Check

When you sign in to Online Banking, we use two-factor authentication. This extra security measure is to ensure that only you can access the account.

Spotting Scams

As scams are becoming more common, it’s essential to know how to recognize them and protect yourself from fraudsters who might pretend to be your friends, family, or even AMOCO. With the increasing use of technology, fraudsters are deceiving people into losing more money than ever before through popular communication channels like emails, texts, social media, and phone calls.

Your first line of defense is to be vigilant and always keep your personal information confidential. Never share passwords that can provide fraudsters immediate access to your personal information. Never share your AMOCO or banking information with anyone, this includes your online banking and mobile app login credentials (passwords, access codes, two factor authentication codes) or your debit card and credit card PIN.  

Even if your caller ID, text, or email says AMOCO, be cautious. For your security, AMOCO will never call or text and ask you to share your card PIN, your online banking password or access code(s), the CVV (3 digits) on the back of your card, your full account (MICR) number, or other personal information.  Contact us immediately if you give this information to anyone.

Follow these websites for information on the latest scams and consumer advice:

Credit Bureaus:

Fraud or Legit? Know the Difference

AMOCO will never directly contact you to ask for personal information, whether it is by phone, social media, or email. Our top priority has and always will be to keep your financial and personal information secure and confidential. 
 
To help protect members’ personal information, AMOCO uses text alerts to notify and verify members’ debit card transactions. The text message only requests a YES or NO reply from the member. If you receive this message, please respond with a YES or NO reply to confirm whether or not you made the purchase. Please note that these texts do not ask for any personal information (PIN, Online Banking Password, SSN, etc.).
 
If you received a suspicious fraud message (text, email, phone call, or mail) claiming to be from AMOCO, please do not respond and contact us directly and report the suspicious message you received. By reporting the suspicious messages, we will be able to investigate and inform the rest of our membership.
 

Please use the form below only to report fraud messages in the form of text, email, phone calls, or mail. Please do not report debit or credit card transaction fraud on the form below. 

Report Suspicious Calls, Texts, Emails, etc.

Did you receive communication that appears to be from AMOCO or impersonating an AMOCO Representative that you believe is a scam or fraud attempt? If so, please complete the form below and include a copy of the message, if available. For debit card transaction disputes, you can easily submit a dispute through Online Banking or our Mobile App. Visit our Help Center for step‑by‑step instructions.