Security & Fraud Protection

Our number one priority each day is to keep our members’ accounts and information safe. In addition to taking strong security measures to safeguard your accounts, AurGroup also provides helpful tips, tools, and resources so you can better protect yourself from fraud.

How AurGroup Protects Against Fraud

AurGroup will never do the following:

  • Contact you via email, phone, or text asking you to provide personal information or update/validate your personal information.
  • Ask you to enter your personal account information directly in an email or chat box.
  • Threaten to close or suspend your account if you do not provide your personal account information.
  • Request your personal account information because your account has been compromised.

AurGroup helps keep your accounts safe and secure.

  • Your accounts come with Zero Liability Protection, meaning you won’t be held responsible for unauthorized transactions on your accounts. (Note: this doesn’t apply to subscriptions or memberships you previously authorized).
  • Each of your AurGroup deposit accounts is insured up to $250,000 by American Share Insurance.

AurGroup is here to help you keep your accounts and financial information safe and secure. We’ll do our part, but you must do yours. If you have concerns about your account, please contact us.

How You Can Help Prevent Fraud

Here are 10 tips to prevent fraud on your accounts:

  1.   Never give out account information, including your PIN, via online, over the phone, or text. Remember, AurGroup (or any reputable company) WILL NOT contact you to verify information they should already know.
  2.   Don’t respond to unsolicited phone calls, text messages, or emails asking for personal information or to send money.
  3.   Change your personal password information every few months.
  4.   Review and monitor your accounts at least 2 to 3 times per week using Online or Mobile Banking.
  5.   Set up email or text alerts through Online Banking or Card Valet to notify you of account activity.
  6.   Before using ATMs and other card-reading devices, ensure they have not been tampered with. A simple tug on the card-reader will do the trick.
  7.   Review copies of your credit report as often as every 4 months (requesting your annual credit report from a different credit bureau each time) to check for inaccuracies. And, contact the credit bureaus directly, don’t rely on online companies. You can contact the three major credit bureaus, Equifax, Experian, or TransUnion, to place a freeze on your credit at no cost. AurGroup will do a free credit report analysis for you annually. 
  8.   Use caution when sharing personal information online and ensure the website is secure. There’s a reason why secure websites put you through a variety of security questions and tests.
  9.   If you receive a check through the mail, make sure you know the person sending it and that you are expecting the check. If not certain, you can request that we place on an extended hold as a protective measure. If it seems to good to be true, it’s probably a scam.
  10. If you’re unsure about any activity on your accounts, please contact us right away.

What to Do If You’re a Victim of Fraud

If you’ve accidentally given out your personal information, or if you think you’re the victim of financial fraud or identity theft, take the following steps:

  1.   Call AurGroup immediately at (513)942-4422. We can help you protect and secure your accounts.
  2.   File a police report with local law enforcement.
  3.   Contact the three Credit Bureaus to place alerts on your Social Security Number so no new accounts can be opened.  
  4. File a consumer complaint with the Federal Trade Commission (FTC) online at FTC.gov or by calling 1-877-FTC-HELP.

AurGroup is ready to help you take action after fraud or identity theft! Please contact us with any questions or concerns.

Keeping Your Personal Information Secure

Although members sometimes complain about it, AurGroup uses several effective measures to keep your personal information secure.

  • When logging in to your Mobile or Online Banking account your password and answers to a series of personal questions identifies you as an authorized user when logging in to your home banking account.
  • If suspicious activity is identified on your account, you are contacted.
  • Verified by Visa works behind the scenes when you’re shopping online and uses advanced fraud-detection technology to confirm your identity. 

How to Avoid Identity Theft

Use the following tips to protect against identity theft.

  1.   Shred printed documents that contain your personal data such as checks, mail, bills, or tax documents before throwing them away.
  2.   Monitor accounts and credit reports regularly for any unusual activity. You can get a free copy of your credit reports at AnnualCreditReport.com.
  3.   Don’t share personal information, such as your Social Security number, either online, over the phone, or via text message.
  4.   Create challenging passwords to make it difficult for others to access your online accounts and change your passwords every (90) days.
  5.   Make sure the websites you use to shop or share personal information are secure to prevent hackers from accessing identifying information.

Be Aware of Mail Fraud

In mail and email fraud, it’s “let the buyer beware” and you don’t want to be that buyer! Some of the more frequent mail fraud schemes include--

  • Sweepstakes and free prizes – It’s illegal for a company to stipulate you pay a processing fee in order to “claim your prize”.  Special note that most—if not all—foreign lottery offers are bogus.
  • Free vacations – You’re asked to pay a service charge or to purchase a membership in a travel club to be eligible.
  • Phony inheritance schemes – It’s likely a scam if you receive a notice that there is an unclaimed inheritance waiting for you.
  • Advance-fee loans –With this mail fraud scheme, recipients are offered a “guaranteed” loan for a fee paid in advance.
  • Credit repair and credit card schemes –After paying a large fee to have your credit “repaired”, all you receive is a list of banks that offer a “secured” credit card.
  • Work-at-home offers – Work-at-home schemes require you to invest your money before you learn how a plan works or before you are sent instructions.
  • Fees charged for normally free services – Beware of mail solicitations that ask for a fee for free government services. Check it out online first.
  • For more information, please review the U.S. Postal Inspection Service Guide to Preventing Mail Fraud.

If you believe you’ve been taken advantage of as part of a scam involving the U.S. Mail, you can get help by contacting your nearest Postal Inspection Service office.