Header Photo – DO NOT DELETE

ID Theft & Fraud

Steps To Protect Your Identity:

  • Create secure passwords. Always use a combination of letters, numbers, and symbols. Avoid easy-to-guess passwords such as your name or birthday. Never use the same password twice and never share your passwords with anyone.
  • Don’t fall for phishing scams. This goes for online and over the phone. If someone is asking for personal information such as your birthday, passwords, social security number, or mother’s maiden name; when in doubt, DON’T give it out! Remember, Western Sun will NEVER call and ask for your personal information over the phone.
  • Opt-in to e-statements. Receiving paper statements by mail may put you at risk of having your statements stolen in the mail, which puts your personal financial information at risk. Eliminate this risk by switching to e-statements here.
  • Shop smart online. Before making a purchase or signing up for a subscription service, research the vendor and READ the terms and conditions thoroughly so you understand what you are paying for. If you have any suspicion about the vendor in question or how your financial information will be used, do not do business with them.
  • Shred confidential documents. An excess of sensitive personal documents (such as old statements, tax returns, or receipts) may put you at risk of identity theft if they are not disposed of properly. Help eliminate this risk by shredding confidential documents! Western Sun hosts an annual Shred Day every spring that is free and open to the community.

Fraud & Identity Theft Victims

If you suspect fraud on your account or you suspect that you have been a victim of identity theft, notify us immediately by visiting one of our 6 branch locations or calling us at (918)362-1400. We may need to close and re-open accounts for you or put a notice on your credit report. The sooner the fraud is reported to us, the quicker it can be addressed.

The Federal Trade Commission offers helpful resources for those who have been a victim of identity theft. Visit https://www.identitytheft.gov/

Disputes

It is your responsibility to monitor your accounts. We recommend checking your account activity weekly using online banking or telephone teller. If you notice unauthorized charges on your account, notify us immediately by visiting one of our 6 branch locations or calling us at (918)362-1400. You have up to 60 days from the date of the transaction to notify us. If unauthorized transactions occurred on your debit card, we will close your card and reissue a new one. If the charges are fraudulent, we may be able to issue provisional credit while an investigation is completed.

For an ATM dispute form, please click here. Dispute forms must be submitted within 60 days of the incident in question. Once the form is complete, you can email it to memberservices@wsfcu.com, fax it to (918)362-1490, or bring the form to any Western Sun branch location.

To dispute charges on your WSFCU VISA® credit card, you will need to contact TNB 24 hour customer service directly at 1(800)442-4757.

For an ACH dispute form (to report an authorized ACH payment or withdrawal), please click here. Once the form is complete, you can email it to memberservices@wsfcu.com, fax it to (918)362-1490, or bring the form to any Western Sun branch location.

Lost or Stolen Card

To report a lost or stolen WSFCU debit/ATM card, call (800)791-2525.

To report a lost or stolen VISA® credit card, call the VISA 24 Hour customer help line at (844)348-7524.

We Want YOU!

Western Sun Federal Credit Union is a Community Charter credit union allowing individuals, and their families, who live, work, worship, volunteer or attend school in Creek, Okmulgee, Osage, Pawnee, Rogers, Tulsa, and Wagoner counties to take advantage of all of our products and services. We welcome you and your family to open an account at Western Sun.