Our Commitment to Your Security

We take the security of your information very seriously. We will never ask for confidential or sensitive information through email, text message, or phone calls. This includes your account number, PIN, SSN, credit card number, or any other personally identifiable information.

How to Ensure Safe Communication

When you need to contact us, please ensure you dial the credit union's phone number found in the "Contact Us" section of our website. Our team members will verify your identity during the call.

Recognizing Fraudulent Requests

Any unsolicited requests for your personal information should be considered fraudulent. If you receive a suspicious email or other correspondence claiming to be from Innovations, please forward it to MemberServices@InnovationsFCU.org.

Your security is our top priority. Thank you for trusting us to protect your financial information.

Beware of Fraudulent Text Messages

Fraudsters are pretending to be the Innovations Fraud Department, sending text messages with fake links about charges to your account or cards. Do not click on these links.

How "Spoofing" Works

You might receive a text message or call from someone claiming to be from the Innovations Fraud Department. They may falsely report suspicious activity on your account or cards and request sensitive information such as your online or mobile banking login credentials, full card number, and PIN. They may also ask you to accept a fraud alert to approve a pending transaction. These tactics are designed to deceive you into giving away your personal and financial information.

Identifying Innovations Fraud Alerts

• Genuine Alerts for Verification
  Our fraud alerts allow you to confirm transactions by responding "Yes" or "No" to the text or phone call. We will never send a website link for verification.
• No Request for Sensitive Information
  Innovations FCU will never ask for your online or mobile banking login credentials, full card number, PIN, one-time passcodes, or any other sensitive information through text message or over the phone.
• Trust Your Instincts
  If someone claiming to be from Innovations asks for information we already have, do not respond or disconnect immediately. Scammers often use high-pressure tactics to create urgency.

Protecting Your Account

Your account security is our top priority. If you are unsure about the legitimacy of a text message, call, or other request, follow these steps:

• Do not share personal information through text or phone calls unless you initiated the contact and are certain of the recipient's identity.
• Hang up or do not respond if you feel pressured or uncomfortable.
• Contact Innovations FCU directly at (850) 233-4400 or send us a secure message through Online Banking or the Mobile Banking App if you have concerns about your account. Your vigilance is crucial in preventing fraudulent activities.

Safeguard your account by setting up Alerts within Online Banking or the Innovations Mobile Banking app.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.