In today’s fast‑moving digital world, fraudsters are becoming smarter, faster, and more convincing than ever. From AI‑powered scams to sophisticated impersonation schemes, protecting your identity against theft is necessary. At Advia Credit Union, member security is a top priority, and we’re committed to helping you stay steps ahead of the latest threats.
How to Protect Yourself
Check your accounts by using our official Digital Banking app or typing in our website address directly into your browser (adviacu.org). Avoid clicking on links that appear at the top of search engine results as these can sometimes lead to look‑alike sites designed to steal your information.
When you receive emails or texts, always double‑check the sender before clicking on any links. Fraudsters often use fake messages to trick you into sharing personal information or logging in through a fraudulent page. If something looks off, don’t click.
Staying alert and accessing your accounts only through trusted paths keeps your financial information safe and protected.
Why Identity Theft Protection Matters More Than Ever
Technology evolves quickly and, unfortunately, so do criminals. Identity theft can take a heavy toll both financially and emotionally, especially as fraudsters use advanced tactics to gain unauthorized access to accounts. This rise in digital fraud means staying informed and vigilant is one of the strongest defenses you have.
You can explore even more safety recommendations directly on the ID Theft Protection page.
Top Fraud Threats to Watch Out for in 2026
Fraud trends are rapidly changing, but several types remain the most common and most damaging. Here’s what to look for:
- AI Driven Voice Scams
AI tools now allow scammers to clone the voices of friends, family, or coworkers, making fraudulent calls sound shockingly real. Voice impersonation scams often involve urgent requests for money or personal information—red flags that should never be ignored. Learn more in AI Voice Scams: How to Stay Safe. - Phishing & Smishing Attacks
Phishing emails and fraudulent text messages continue to rise. Scammers often mimic legitimate financial institutions to trick victims into clicking harmful links or sharing login credentials. We recently detailed examples of these fake messages and how to recognize them in our Phishing Scam Alert guide. - Online Banking Impersonation Scams
Criminals may send “security alerts” pretending to be from your bank, claiming your account has been locked or breached. These scams attempt to steal banking credentials or trick you into sending money. Revisit our Fraud Alert: Online Banking Impersonation Scams for real world examples and how to respond. Never share your password or secure one-time passcode. - Deepfake Videos & Social Manipulation
As highlighted in Fraudsters, Scams, AI – Oh My! Be Careful in 2025, deepfakes can make it appear as though a trusted person is requesting urgent financial action, which is why we stress doublechecking any unexpected claim through official channels.
How Advia Protects You
Advia Credit Union provides a suite of advanced protection tools and monitored security features, including:
- Real-time Visa® Card Alerts
Get instant notifications for purchases made with your debit or credit card. Members can customize alert types—from online transactions to purchases over a certain amount—to quickly catch unauthorized activity. Learn more about card management features. - Card Management in Digital Banking
With Card Management Tools, you can toggle cards on/off, set controls, and manage alerts for enhanced card security. - Proactive Fraud Monitoring
Advia’s Fraud Protection Team monitors unusual activity and may sometimes detect fraudulent behavior even before you notice an issue; another great reason to keep your contact information up to date in Digital Banking.
How to Strengthen Your Identity Protection
- Never Share Your PIN or Login Credentials
Scammers may pose as staff or use urgent language to pressure you into revealing sensitive information. Advia will never ask for full SSN, card numbers, or login details. - Verify Before You Click
If a message claims to be from Advia but asks for personal details, treat it as suspicious. If you’re unsure, give Advia a call to confirm. - Set Up Account Alerts
Account service alerts in Digital Banking help notify you of sign-ins, transfers, or changes to personal information—one of the most effective early warning signs available. - Recognize Skimming Risk
Card skimming remains a threat at ATMs, gas pumps, and retail checkout areas. Advia’s Spot the Skimmer: Protect Your Card article shares what to look for and how to avoid compromised devices.
Your Security is a Shared Mission
Fraud and identity theft threats aren’t going away. With the right tools, awareness, and proactive steps, you can significantly reduce your risk. Advia is committed to supporting your financial safety with comprehensive resources, continuous monitoring, and educational guidance. Stay vigilant, stay informed, and stay protected. Your financial wellbeing is worth it.
About Advia Credit Union: Our mission is to provide financial advantages to its members. With $3.7 billion in assets, Advia seeks to provide quick and easy access to money and time-saving financial tools to nearly 200,000 members in Michigan, Wisconsin, and Illinois. Advia’s team of over 600 professionals delivers excellent service and innovative products at 34 locations and via digital and mobile platforms. Advia is guided by its core values: driving progress, acting with integrity, building and strengthening relationships, and keeping people at the core. Visit adviacu.org to learn more about how Advia provides Real Advantages for Real People™.