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Security Center

Common Questions & Security Tips

Security CenterFraudsters are getting smarter by the minute so it is important to know what tricks they might use so you don’t become a victim of financial crime.

Click here to view current scam warnings and security news!

Did you receive an email from Aspire asking you to update your personal information?

Aspire Federal Credit Union will not ask for your personal information via email. If you receive a suspicious email that appears to be from us asking for your personal information, contact us immediately at 732-388-0477, Option 3 or forward the e-mail to us at webmail@aspirefcu.org so we may investigate it.

Is My CU Online safe?

Yes, it is!


Our online banking platform provides both multi-factor authentication through phone or email-based challenges (one-time
passcodes from the web and out-of-band challenges for mobile) and complex device identification that can substitute the challenges per the FFIEC’s guidance. Below is a current overview of the authentication process within the platform:

Did you receive an email, text, or phone call that sounds too good to be true?

If you receive an email, text message or call that sounds too good to be true, then it probably is. There are a number of common internet scams that have been circulating for years. For example, did you “win” a foreign lottery in a country you’ve never been to? Are you supposedly the heir to an estate belonging to a distant relative you’ve never heard of? Did you sell something online and the purchaser sent you a check for more than the amount of the purchase? All of these scenarios should raise a red flag. A good rule of thumb is, if someone you don’t know asks you to wire them money – no matter what they promise in exchange – don’t do it. When in doubt, call 732-388-0477, Option 3 or email webmail@aspirefcu.org so we may investigate it.

Did you receive a suspicious email or spam?

If you receive an email from an unfamiliar sender we recommend deleting the email. Please note that it is not advised to reply to unfamiliar emails as that confirms that your email address is valid, which could result in receiving even more spam emails in the future. Do not click on any links in suspicious emails as they may put viruses and/or malware on your computer.

eNFACT Fraud Detection Service

Aspire offers a fraud detection service, known as eNFACT, to help protect you from identity theft and fraudulent transactions on ATM and Debit Cards. eNFACT will monitor cardholder activity for suspicious transactions and cardholder behavior to predict the probability of fraud. For example, if you normally use your card in New York, but transactions are being processed in Texas, eNFACT will consider that “abnormal” spending and rate the transaction as possibly fraudulent.

If eNFACT determines that a particular transaction could be fraudulent, you will receive a phone call at your primary phone number to determine if you have authorized the transaction(s). If your primary number is your home land line number, you may want to consider updating it to your cell phone number to ensure a timely response. If you verify that the transaction was not authorized, eNFACT will block the card for you and tell you to contact us to file a dispute. If you confirm that the transaction was authorized, no further steps will be necessary. If eNFACT is unable to contact you, your card will be blocked and Aspire will be notified.

When traveling, it is recommended that you notify us so we can make a note on your cardholder record to ensure that you are able to continue using your card without any problems. If you have any questions about this service or if you would like to update your primary phone number, call a Service Expert at 732-388-0477, Option 3.

Identity Theft Resource Center®

Do you know someone who has been a victim of Identity Theft? Have you personally been a victim of this quickly growing crime? If so, you will definitely want to check out http://idtheftcenter.org/. Here is an excerpt from the website:

“Identity theft continues to be one of the fastest growing crimes in the United States. It is important for consumers to recognize that identity theft is not just a financial crime. This crime varies widely, and can include financial identity theft (checking and/or credit card fraud), criminal identity theft, governmental identity theft, and medical identity theft.

Identity theft is a crime in which an impostor obtains key pieces of personal identifying information (PII) such as Social Security numbers and driver’s license numbers and uses them for their own personal gain. It can start with lost or stolen wallets, stolen mail, a data breach, computer virus, “phishing” scams, or paper documents thrown out by you or a business (dumpster diving).”

Identity Theft Resource Center is a non-profit organization. If you or someone you know is a victim of identity theft, call 888.400.5530 for FREE assistance.

ATM Awareness

Please keep the following tips in mind when using an ATM.

Passwords Mean Protection

Passwords are designed to protect your accounts and personal information. The stronger your passwords, the more difficult it will be for hackers and identity thieves to gain access to your accounts. Should you need to change your passwords, as is recommended periodically, here are a few good tips on how to create strong passwords. A good password is one that is easy to remember but difficult to guess.

Remember: any email that requests your password or asks you to go to another website to verify your password is almost certainly a fraud.

Lost/Stolen Wallet Inventory & Emergency Checklist

Most Identity Theft starts with a stolen wallet, purse, or mail. Use this Lost/Stolen Wallet Inventory & Emergency Checklist for record keeping. Make sure you keep this secure and confidential. Here are some tips to help ensure that you don’t become a victim:

We will never contact you for your personal information!

Please note that no representative of Aspire FCU will ever contact you to request that you verify your personal identifying information (PII), including account numbers. If you receive a phone call, e-mail or text message from someone claiming to be an employee of Aspire FCU and that person asks you to verify your PII, this is most likely fraudulent activity. Contact Aspire immediately at 732-388-0477, Option 3 or webmail@aspirefcu.org.
For your own safety and security, never give anyone your account numbers or other PII unless you have initiated contact with your Credit Union!


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Member Contact Center 732-388-0477

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Call24: 732-388-0477

Lost or Stolen Credit Cards: 1.800.449.7728

Lost or Stolen MasterCard Debit Cards: 1.866.820.1072