Southwest Airlines Federal Credit Union takes your account security and privacy very seriously. We want to remind you to continue to take steps to protect yourself from fraudulent activity by reviewing your monthly account statements and monitoring your account online.
If you notice anything suspicious, please notify us as soon as possible. We will assist you by researching suspicious activity to determine whether or not the activity is fraudulent; and then develop an action plan for you based upon what we find.
Helpful Tips
Protect your personal identification number (PIN):
- Never write down your PIN. Memorize it as soon as you set it up.
- Do not disclose your PIN to anyone. No one from any financial institution, the police, or a merchant should ever ask you for your PIN.
- Beware of phishing emails or text messages. These are messages that appear to be from Southwest Airlines Federal Credit Union or an online merchant asking for account information. Do not reply to them or click on any link in the emails. We will never ask for your PIN or other personal financial information via email or text message.
- At an ATM or PIN pad, enter your PIN discreetly, shielding the keypad with your hand or body.
Spot suspicious activity and protect your account:
1. Review your monthly account statements to spot any unauthorized purchases. You can also monitor your account activity online at any time.
2. Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report.
- Equifax® / 800-525-6285 / www.equifax.com
- Experian® / 888-397-3742 / www.experian.com
- TransUnion® / 800-680-7289 / www.transunion.com
3. If you spot any unauthorized charges, please contact us immediately at 800-262-5325.
4. You should also contact the three credit reporting agencies listed above to notify them of any suspected fraud or identity theft.
Fraud Protection Alert
Fraud protection for our members is our top priority. In an ongoing effort to protect your exposure on your personal account, we will be blocking ATM/debit access to specific countries with which we have experienced rising fraud risk on our members' accounts.
To protect your money and reduce the risk of your personal funds, we strongly suggest you consider using your Southwest Airlines Federal Credit Union credit card when shopping online or visiting the blocked countries. You should also be extremely careful that you are initiating transactions with legitimate and reputable businesses that are also providing fraud risk practices for your protection.
What happens if I feel I’ve been a victim of fraud or a scam?
Report it immediately! The sooner we are notified, the sooner we can get started protecting your account and information, and hopefully get your money back.
- Contact any financial institution that the fraudsters or scammers may be able to access. You can reach SWACU Member Services @ (800) 262-5325 or (214) 357-5577.
- Change your User ID’s and passwords on all your accounts and lock any cards that may be affected. For your SWACU cards: Lost or Stolen Card (swacu.org)
- File a police report with your local police station, if necessary.
- Report it to the FTC. ReportFraud.ftc.gov This helps us stay on top of the latest fraud and track trends.
- If you’ve given out your personal information, place a freeze on your credit bureaus with TransUnion, Equifax, and Experian.
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SECURITY TIPS
We want to make you aware that if you receive a call from our 800 number or any local number that appears to be a SWACU phone number, it may not be a SWACU employee. These callers (Fraudsters) are spoofing the Credit Union phone numbers (numbers masked to look like our number) so that it appears as if it is a legitimate SWACU employee. Please ask for a name and let the caller know you will return their call at SWACU. Hang up and call us at the number listed on our homepage at...www.swacu.org. Please remember we will NEVER ask you for personal information including Debit or Credit Card PIN numbers.
If we contact you via phone, mail, email, or text we will not ask for your personal information. Be on the lookout for spoofing emails, texts, and phone calls designed to get information on your personal accounts. If you experience any suspicious activity, please call us and speak with one of our staff to notify them of your concerns.
As always, we encourage our members to monitor your account activity and let us know if you ever notice anything abnormal. We care about you and your financial security.
Security Tips:
Don’ts
- Never provide personal information to anyone who has contacted you
- Never click on links in emails to enter account information, usernames, or passwords
Do’s
- Review security tips listed on the FTC Website
- Consider resetting home banking passwords
- Pay attention to emails for odd email addresses, misspelled words, and typos
- Pay attention to your accounts for abnormal transactions and notify your financial institution immediately
- If you receive a suspicious phone call asking for personal information, please hang up. If you are concerned about the validity, you may call us at the number listed on our website to confirm whether or not we attempted to contact you
Imposter Scam – a scammer will impersonate a business, such as SWACU, and try to trick you into giving them your personal information. They can even spoof a number to make it look like they’re calling from a legitimate business. They may also send you a link to get you to click and enter your information on a website that may look official – but it’s a scam!
Loan Scam – scammers send you an email that says you’ve been preapproved for a loan. As tempting as that may be, do not click on the link to accept the loan! By clicking on the link, they can install malware or hack your PC or phone and get all your personal data. And NEVER give out your online banking password and ID to allow someone to deposit a “loan” check to your account. Stop! It’s a scam!
Family Member Emergency Scam – scammers will call and tell you a family member is in trouble, and you need to send money quickly to help them out. They use scare tactics and a sense of urgency to get you to react. Often, they’ll ask you to purchase a gift card or withdraw funds and place it in an obscure location (bitcoin/cryptocurrency ATM, in a car, give it to a stranger, etc.) Stop! It’s a scam!
You’ve Won a Prize Scam – the likelihood of you winning a prize for something you never entered is non-existent. Scammers will tell you that you’ve won some large prize and all you need to do is pay the taxes to claim it, or they’ll “overpay” and request the difference back. Stop! It’s a scam!
Job/Money Making Scam – a job opportunity that has awesome pay for little work, and you can work from home, just click on the link to apply! When you do, scammers will get your personal information and use that to steal your identity.
Investment Scam – scammers will get you to invest a small sum with a large return to get you hooked into believing you’re making a lot of money on your investment. They may even set you up with a fake ID and password so you can “see” your money growing. They’ll ask for more and more money until they end up taking it all. NEVER invest money without doing research, and only invest with licensed, accredited investors.
BLOCKED ATM/DEBIT TRANSACTIONS TO (COUNTRIES)
- ALBANIA
- ALGERIA
- ANGOLA
- ARGENTINA (blocked online only)
- ARMENIA
- AUSTRALIA
- AZERBAIJAN
- BAHRAIN
- BANGLADESH (blocked online only)
- BRAZIL
- BELIZE
- BULGARIA
- CAMEROON
- CENTRAL AFRICAN REPUBLIC
- CHAD (ATM PIN allowed)
- CHILE (ATM PIN allowed)
- CHINA
- COLOMBIA
- CONGO
- DEMOCRATIC REPUBLIC OF THE CONGO
- COTE D'IVOIRE
- CROATIA
- CURACAO
- CYPRUS
- DOMINICAN REPUBLIC
- EGYPT
- EL SALVADOR
- FRANCE
- GEORGIA
- GIBRALTER
- GREECE
- GUYANA
- HOLY SEE (VATICAN) (blocked online and manual POS)
- HONG KONG
- INDIA
- INDONESIA
- IRAN
- IRAQ
- ITALY
- ISRAEL
- JAPAN
- JORDAN
- KAZAKHSTAN
- KENYA
- NORTH KOREA
- SINGAPORE
- SOUTH KOREA
- SWITZERLAND
- KUWAIT
- KYRGYZSTAN
- LATVIA
- LEBANON
- LIBERIA
- LIBYAN ARAB JAMAHRIYA
- LUXEMBOURG
- MALAYSIA
- MALTA
- MAURITIUS
- MICRONESIA
- MONGOLIA
- NETHERLANDS (blocked online only)
- NEW ZEALAND
- NIGERIA
- PAKISTAN
- PALESTINIAN TERRITORY, OCCUPIED
- PARAGUAY
- PERU (blocked online only)
- PHILIPPINES
- QATAR
- ROMANIA
- RUSSIAN FEDERATION
- RWANDA
- SAINT KITTS AND NEVIS
- SAUDI ARABIA
- SIERRA LEONE
- SLOVENIA
- SOUTH AFRICA
- SPAIN
- SWEDEN
- TAIWAN
- TAJIKISTAN
- THAILAND
- TRINIDAD AND TOBAGO
- TURKEY
- UKRAINE
- UNITED ARAB EMIRATES
- UZBEKISTAN
- VIETNAM
- YEMEN
The list of blocked countries will be continually updated. Last Updated 01.13.25.
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A final note:
Southwest Airlines Federal Credit Union will NEVER request your personal or account information via email, online banking, or telephone unless the request is initiated by you.
If you have questions or concerns, call our Card Services Department at 214-357-5577 or 800-262-5325.
