Fraud Alerts and Tips Center

Text Message Scams Continue to Catch Members Off-guard (09/17/2025)

Red River Credit Union (RRCU) continues to detect frequent text message scams, with new variations appearing almost weekly. These messages often claim that a large transfer has been made from your account and prompt you to click a suspicious link to cancel the transaction.

Example message:

“R.R.C.U: A transfer has been processed for $1344.00 from REGULAR SAVING ****: to Nicole Warren. If this wasn’t you cancel here https://myusernotices-2r.online”

These messages are not from RRCU. They may vary in amounts, names, or links, but all are fraudulent.

If you receive such a message:

1. Do not click any links
2. Do not respond or provide any personal information
3. Delete the message immediately

If you’ve clicked a link or shared any information, please contact RRCU right away at (903)735-3000 or (800)822-3317. Immediate alerts will continue to post as an alert bar. 

Text Message Scam Alert (01/16/2024)

The message being sent looks like this:

Red River Credit Union Alert
A transfer of $651.33 was debited from your account. To check status click the link finview.me/rrcu/. To review or to Decline immediately.

Please be watchful when receiving text with links. If you do receive anything like the message above, don't click on the link, log into your online banking to verify if the charge actually happened. If you ever see something you did not authorize, contact our call center at (903)735-3000 or visit any of our locations during business hours.

Holiday Season Scam Alert: Protect Yourself from Scams (11/29/2023)

It's the holiday season, and scammers are expanding their tactics to target unsuspecting victims. One prevalent method involves scammers posing as financial institutions through text messages, claiming to verify large purchases made by the victim. This prompts panic, leading the victim to click on a link that takes them directly to the scammer. The scammer then solicits key information to engage in identity theft, create counterfeit cards, or compromise the victim's account.

Tips to Stay Safe:

Never Share Online Banking Information:

Under no circumstances should you provide your online banking information to anyone.

Whether it's a loan, reimbursement, gift, or payroll, legitimate depositors will never require your online banking details for transactions.

Beware of Various Scams:

Stay vigilant against scams like sweetheart scams, relative recognition fraud, car wrapping, work-for-hire schemes, sweepstakes, inheritance scams, Class Action Lawsuits, and low-rate online loans.

Be cautious if someone sends you a check or money and requests reimbursement or funds to be forwarded to another person. Overpayment requests for items sold should also raise red flags.

Caution Regarding "Verification Codes":

Fraudsters may request "verification codes" sent via text, claiming it's for identity verification. Be aware that legitimate entities like credit card companies, financial institutions, or digital payment solutions send such codes for password resets.

Never share these codes with anyone, as scammers can use them to trick systems into changing your password.

Checks Are Not Guaranteed Funds:

Exercise caution when depositing checks from unknown senders, especially those met through online communication.

Account holders are responsible for any counterfeit, fraudulent, forged, or altered checks deposited into their accounts.

Protect yourself during the holiday season by staying informed and vigilant. Be cautious about sharing sensitive information, recognize common scams, and exercise skepticism when dealing with unfamiliar transactions. If in doubt, verify the legitimacy of requests before taking any action.

Beware of Text and Call Scams (06/16/2023)

New Fraud Alert: Some members have been contacted about potential fraud on their debit cards from different numbers. The caller requested the member verify recent transactions. Then requested members social and personal information. Never give out your account or debit card details. Hang up and contact RRCU at 903-735-3000 to report the request.

Tips for protecting yourself against check cashing Fraud:

• Always safeguard your checks. Do not leave your checks out in an open area. Never leave your checks in your car or out on your desk at the office. 
• Keep your blank checks and canceled checks in a safe place. Put them in a vault or other secure location. Destroy old blank checks if you are not going to use them. 
• Limit the amount of personal information printed on the checks to your name and address. Use plain designed checks. The fancier the check the easier it is to forge the signature. Useful information for thieves includes not only your account numbers, but information used to verify your identity, such as your driver's license number, social security number, and secret codes. Don't have this information printed on your checks. 
• Don't leave your bill payments sitting in an unlocked mailbox for pickup. Many credit thieves will steal bills from rural mailboxes at the end of driveways, so they can get your account information, checking information, and even your checks. Go to the Post Office directly or use a curbside USPS mailbox (the blue metal ones) and drop your bills in the slot rather than using less secure street mailboxes. 
• Be discreet when writing checks in public places. Write your checks carefully and leave no space in which figures or words can be inserted. 
• When you make an error in writing a check, be sure to destroy the check or write "canceled" across it and store it with your other canceled checks. 
• If your checks are lost or stolen, report it immediately to your financial institution. \
• Reconcile your monthly statements as soon as you can to ensure all transactions are accurate. Contact us immediately if you do not receive it when expected. Be sure to contact your institution within that time frame to ensure that proper attention is given to reconciling the problem. 
• When you reorder checks, mark your calendar. If you don't receive your checks within 15 working days, contact your financial institution immediately to inquire as to the status of the order. 
• Consider alternatives to check writing. For instance, paying by phone, online, bill pay or setting up automatic payments. Fewer checks mean fewer theft opportunities.

Phishing Scams:

Phishing is an internet scam in which email spam or pop-up messages are used to deceive you into divulging personal or financial information over the internet. Phishers will send you an email or a pop-up message that appears to be from a company that you deal with your credit card company, credit union or a government agency. The message usually requests that you update or validate account information and it will direct you to a website that looks just like the legitimate organization's website, but it isn't. The purpose of the bogus website is to deceive you into entering your personal information, so the scammers can steal your identity and commit crimes in your name.

Protect yourself against "Phishing Scams"

• If you get an email or pop-up message that asks for personal or financial information, do not reply. And don't click on the link in the message, either. Legitimate companies don't ask for this information via email. If you are concerned about your account, contact the organization mentioned in the email using a telephone number you know to be genuine, or open a new Internet browser session and type in the company's correct Web address yourself. In any case, don't cut and paste the link from the message into your Internet browser phishers can make links look like they go to one place, but, send you to a different site. 
• Never give your personal information via email. Red River Credit Union will never request personal information via email. 
• If you want to update your information, go directly to our website by opening a new browser window, and typing www.rrcu.com in the address. 
• Never go to our web site by clicking a link in an email. When entering personal account information, verify that you are on a secure website. If the website is secure, you will find "https" in the address and a closed padlock in your browser's toolbar. 
• Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files.

Tips for protecting yourself against ATM fraud. Never write your Personal Identification Number (PIN) on your card or in your wallet. Memorize your PIN as soon as possible. Do not reveal your PIN to anyone not authorized to use the account.

• Never use your date of birth, social security number, license number or street address as a PIN -- those are the first numbers a crook will try. 
• Don't throw away your ATM receipts at the ATM location. Keep them to reconcile your account, then dispose of them properly when you get home. 
• Always be aware of your surroundings when using the ATM. If it is late at night, try to use a machine that is well lit and avoid dark, remote locations. 
• Always make sure to retrieve your ATM card from the machine when the transaction is complete. 
• Be aware of the person behind you. Make sure no one can see you entering your PIN or how much money you withdraw. 
• Review your statement promptly to ensure all transactions are accurate. Report any discrepancies immediately. 
• Destroy old ATM cards immediately after receiving your replacement cards.

Tips for protecting yourself against credit card fraud Keep a list of all your credit cards including the account number and phone number to the issuing company.

• Review your credit card statement as soon as possible. Match charges with your receipts to ensure all charges are yours and are for the correct amount. 
• Always sign a new credit card immediately. 
• When making a purchase with a credit card, make sure you get the card back and the receipt. Check the receipt for accuracy. 
• When using a credit card at a restaurant or store, make sure that all blank lines are marked through so that no one can change the final amount. 
• Never sign blank credit card receipts. 
• Only travel with the credit cards you plan on using. 
• Never give the account number of the credit card over the phone unless you initiate the call. 
• When making an order over the telephone, try to avoid using a cordless phone. Cordless phone messages can be easily intercepted by devices as unsophisticated as baby monitors and police scanners. 
• Do not write the PIN for the account on the card.