Customer Monitoring

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Prevent Fraud & ID Theft

It's time to get serious about fraud protection. Identity theft can take a real toll on your life – both financially and emotionally.

During this time of heightened concern, fraudsters are working to prey on individuals. We are aware of fraudulent sites that may be used to target individuals, misrepresenting Advia. You are urged to call us (844-238-4228) immediately if you are contacted by phone, text, online, email, or in any other way that you believe to be fraudulent activity to your Advia accounts.

Only click on trusted sites that are presented on the internet, via email and text. As a reminder, if Advia initiates contact with a member, we will not ask for full SSN, full card number information or other full identifying information that could be used to initiate identity theft.

For your protection, we have developed tips and resources to protect yourself from fraud and ID Theft. We will continue to work to provide you additional resources to safeguard your identity and financial health. Explore the areas below to learn specific ways you can help prevent fraud.

Learn more about security on your Visa® Credit or Debit Card.

Visa® Alerts Now at Your Fingertips

Advia has recently partnered with Visa® to provide you a new online tool that allows you to get immediately notified when your Credit Card or Debit Card has been used for a purchase.

You set the guidelines of how and why you’ll get alerted. Plus, you can choose to be notified by text message or email. We suggest setting up all the following:

  • Purchases over a specified dollar amount
  • Purchases made outside the U.S.
  • Online & phone purchases (without your card being present)

Grab your card to enroll right now! It’s easy to get started.

Report Lost, Stolen & Unusual Activity
Advia’s fraud protection team is working around the clock to monitor activity on your cards. We may even know before you do when unusual activity is occurring on your account. Here’s how you can also help – review your account activity regularly within Digital Banking. And if you notice anything unusual, contact us right away. Can’t find your card? Don’t delay – if you think your card may be lost or stolen, report it to us immediately. We can place a temporary hold on your card while you look for it, or cancel it so you can get a fresh, new instantly issued card at any of our growing branch locations.
Protect Your PIN
When you choose a Personal Identification Number (PIN) for any card, avoid a number that appears in your wallet – like a birthdate, address number or phone number. Absolutely never share your PIN with anyone, and especially never through a text, email or phone call. Cover the keypad when entering your PIN at a grocery store or ATM, and above all, don’t write your PIN down where someone can find it.
Shop Safely Online
When shopping online, make certain that the site you’re shopping is a secure site that allows secure purchase transactions (look for the closed-lock icon and “https://...” in the address bar). Always sign off from the website after your purchase is complete, and if you cannot sign off, simply close your browser to help prevent unauthorized access to your card information.

Protecting Your Advia Account

Here are some tips on how to keep your Advia account as secure as possible.
Create Account Passwords – for Phone and Branch Transactions
A password is still one of the best tools to keep your information private, and Advia is here to help. Create your own personal password that you can remember, but no one else can guess. The next time you come in or call, let us know you’d like to set this up – and we’ll have it placed on your account. Then, if you ever call or come in (in addition to other steps we take to verify your identity), we’ll ask you for it before providing any financial assistance. It’s that simple!
Update Contact Information
The easiest way to verify your contact information is current is within Digital Banking. Log in and then select Preferences followed by Update Contact Info. Not a Digital Banking user? Then simply come in or call and verify we have your updated address, phone and email.
Use Advia’s 24-Hour Digital Banking Tools
Having 24-hour access to your own account information is key to being able to monitor activity. With Advia’s Digital Banking tools, you can do that from the convenience of desktop, tablet, or Mobile App. Once enrolled, you’ll find tools for monitoring account activity, setting up alerts, and more. Remember to establish a unique Login ID and complex password – and consider updating them periodically for your greatest account protection!
Sign up for e-Statements and e-Notices
Avoid important financial statements being paper mailed to your home. We recommend setting up your periodic bills to be paid online (with Advia, you can have them tied to your Visa Credit Card or Debit Card for automatic payments or enjoy the convenience of online Bill Pay). Within Digital Banking, you can easily set up to receive all statement and account notice activity safely and more quickly with e-Statements. You’ll have up to 14 months of statement history at your fingertips when needed. Still getting anything by mail? Remember to shred it when containing sensitive information.

Mobile and Device Security

Being secure while you're on the move is very important.
Utilize Safeguards Available on Your Device
There are multiple safeguard tools on your mobile device, so make sure to put them to good use! Protect your phone by setting up a PIN to access your phone and with your mobile carrier so no one can make changes to your account. Keep all security patches, anti-virus and malware software, browser versions, mobile apps and plugins updated. And configure your device to protect from unauthorized users being able to remotely access (follow manufacturer’s recommendations for configurations for wireless router for your home internet connection).
Be Careful About Downloads
Consider what you download – avoid programs or apps from unknown sources, but rather download programs and apps from trusted sources like your phone’s app store or manufacturer’s website.
Accessing Accounts Online From Your Device
Accessing your account online is a great tool to allow you know what’s going on with regard to activity, but here are some tips to stay safe:
  • Don’t access financial accounts through public Wi-Fi networks such as retail shops and public libraries
  • Don’t store passwords or other sensitive information on your PC, mobile device, or in an app that could be discovered in case your device is lost or stolen
  • When you finish accessing your account digitally, always sign off – rather than simply closing the browser
  • Share your phone? Then we do not necessarily recommend using fingerprint authentication or Apple’s Face ID® feature to authenticate. When this type of authentication is enabled, any person with a saved fingerprint registered on your phone may be able to log in to your Digital Banking App, view account information, and perform transactions

Safeguard Your Identity

Your identity is everything, and the key is to be aware of what is happening with all your different accounts. Below are tips on how to keep a close eye on your personal information.
Review Your Credit Report Annually
Review your credit report at least once every year to look for unusual activity like unauthorized accounts opened in your name. You can receive a FREE credit report from each of the three major credit bureaus at
When You Get an Email, Text or Phone Call
When you’ve not initiated the call to Advia or other service provider, never provide personal or financial information over the phone, or through email or text as this is typically not secure. Advia will never call you and ask you for your full Social Security Number or Account Number. Moreover, don’t click on links, open attachments or respond to emails or text messages from suspicious or unknown senders.
Social Media Activity
Reconsider how much you may be sharing online about your personal information – by posting the type of information used by your bank or other companies to verify your identity. Also, make sure to review the privacy options for social media platforms you’re using to know how to limit the amount and type of information you choose to share.
Recognize Signs of ID Theft
Are you receiving bills for items you didn't buy? Debt collection calls for accounts you didn't open? Or perhaps denials for loan applications? These may be signs that you’ve become a victim of identity theft. If you experience any of these, please contact us right away so we can begin steps to help you recover.

Identity Theft – Your Recovery Action Plan

If you have been a victim of identity theft, there are steps you can take to ensure your financial well-being. Below you will find a summary of the steps recommended by the Federal Trade Commission.
1 - Contact Creditors and Financial Institutions
If your fraud occurred at a business, contact that establishment immediately. Then follow up with your financial institutions, creditors and other service providers to update payment and account information.
2 - Contact a Credit Bureau
By contacting either Experian, TransUnion or Equifax, you can place a fraud alert on the account and they will contact the other two institutions.
  • – 1.888.397.3724
  • – 1.800.680.7289
  • – 1.888.766.0008
3 - Report It
Contact the Social Security Fraud Hotline, local law enforcement agencies and the Federal Trade Commission to report the incident.
4 - Monitor and Correct
It is important to continue to monitor your credit report and accounts after identity theft. In addition to monitoring, now is the time to start correcting any debts that occurred because of the fraud and have your identification cards reissued.

Advia Credit Union is here to help if you have been a victim of identity theft. You can connect with Advia immediately by calling us 24 hours a day. Learn more about protecting your assets and identity theft.