Carefull

Comprehensive fraud defense—Right in Your Pocket

Fraud can happen anytime—and often when you least expect it. Scammers are constantly finding new ways to access personal information and money, which is why staying informed and proactive is more important than ever, especially for our senior community.

To help protect our members, RRCU now offers free access to Carefull for 65+, a financial monitoring platform designed to help you keep an eye on your accounts and spot potential fraud sooner. Carefull works alongside your everyday banking habits to provide added awareness and peace of mind.

Sign up is easy and notifications keep you informed. Plus, with the Carefull Companion mobile app, you can take your fraud‑fighting protection with you wherever life takes you.

What Is Carefull?

Carefull helps protect you and your loved ones from:

Scams and fraud
Identity theft
Credit fraud
Money mistakes
Personal information leaks

Included FREE with your RRCU membership.

What You Get

With Carefull, RRCU members receive:

$1 million identity theft insurance
Credit monitoring
Home title & address monitoring
Account monitoring (RRCU + outside accounts)
Includes coverage for one family member
One‑on‑one fraud support
Trusted contacts (Someone you know and trust)

Start Protecting Your Financial Accounts Now

Step 1: Register with Carefull in RRCU Digital Banking

You'll find it under the Services Tab (desktop and mobile app): Open Digital Banking

Step 2: Add your account information

Covers you and a loved one

Live, US-based fraud and scam experts

$1,000,000 Identity Theft Insurance

Credit Protection

ScamCheck Tool

24/7 Protection on Financial Accounts

Home Title Monitoring

Identity Protection

Secure Trusted Contacts

How Carefull Uses & Keeps Your Data Safe

Identity

Carefull monitors the dark web to see if your email, address, phone, passport, drivers license, and social security number are exposed in a data breach. Carefull never stores your social security number.

Credit

Carefull uses your social security number (but does not store this information) to monitor your credit for all activity. We alert you to every event we detect so you can take action quickly in the case of fraud.

Finances

Carefull monitors an unlimited number of checking, savings, investment, and credit card accounts for the latest threats, unusual patterns, signs of fraud and scams, and even common money mistakes. Carefull uses software trusted by over 13,000 institutions to connect with your financial accounts. Carefull does not store your account login or password information.

Home

Carefull monitors your address for all new title activity (including mortgages) and change of address fraud.

Military-grade encryption

Carefull uses the highest level of encryption and security to keep your data safe.

All analysis is view-only

Carefull cannot access or move money from your accounts. No one can ever access your financial account directly from Carefull. Layers of security and verification Carefull uses two-factor authentication and requires all Carefull members to re-verify when they access secure vault.

US-based human support

All Carefull fraud experts and customer support are US-based and available 7 days a week.

Carefull never stores your account login or social security number

Once your monitoring is activated, no banking or social security credentials are stored in Carefull’s system.

Carefull’s US-based customer support is available via chat, email, and phone to help address any technical, fraud or scam related issues.

Call 833-836-0050 for Carefull support or more information. Mon-Fri: 9am-9pm EST / Sat & Sun: 12pm - 6pm EST

Terms of service, privacy policy, disclosures, and details available at getcarefull.com. Separate enrollment and valid email address required.

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