- Personal Loans
- Personal Loans
- Home & Auto
Prevent Identity Theft
Stay Safer From
You trust us with your money, and we take that seriously. We’ve got your back! We use advanced security measures to safeguard the privacy of your confidential information. All Grow Visa® debit and credit cardholders are automatically enrolled for Grow Card Alerts, and under the protection of Visa’s Zero Fraud Liability policy, you won’t be held liable when you report unauthorized charges made with your card. Plus, our team members are trained to help you navigate dealing with scammers, so if you ever need us, stop by a Grow store or contact us.
Tips to Protect Yourself From Identify Theft
With the increase in data breaches, scams of all kinds, ransomware and other threats, it has never been more important for consumers and business owners to secure their personal information. Here are some steps you can take:
- Use strong passwords.
- Check your credit report frequently.
- Keep important documents secure.
- Be mindful of sharing too much information on social media.
- Stay alert about common scams and look out for warning signs.
- Don’t give out personal information by phone, text or email.
- Be skeptical of unsolicited requests to verify account information.
- Enable Multifactor Authentication (MFA) for your accounts.
- Never wire money or send gift cards to someone you don’t know.
- If you operate a business, secure your IT Infrastructure with a firewall and anti-virus software and back up your data regularly.
Remember, Grow will never make unsolicited contact with you to request verification codes over the phone.
How to Report Scams and Fraud
- If you receive a phishing email and want to help law enforcement identify and stop the scammer, you can forward it to the Anti-Phishing Working Group at email@example.com.
- If you’ve already clicked on a suspicious email or downloaded something malicious, visit the FTC’s OnGuardOnline for help.
Suspicious text messages
If you suspect a text message phishing scam, take these steps:
- Forward the message to 7726 (spells SPAM). You’ll receive a message back that reads: “Free Msg: Thank you for reporting spam. Please reply with the source phone number or email address of the offending message.”
- When prompted, reply to 7726 via text message with the source number “XXX.XXX.XXXX” or “XXXXX”. When you forward the original message, it does not send the scammer’s address, only the message content, so for your report to be effective, you must also reply with the offending number that originated the message for your mobile provider to investigate.
- Add the offending number to your block list.
IRS-related scams and tax fraud
Warning Signs of Identity Theft
There are several warning signs that may indicate you’ve been a victim of identity theft, including:
- Receiving mail about loans or credit cards you did not apply for.
- Unknown inquiries on your credit report.
- Unauthorized transactions on your bank accounts.
- Tax return rejections marked “previously filed.”
- Your health plan rejects your legitimate medical claim because their records show you’ve reached your benefits limit.
If you believe you’ve been a victim of identity theft, it’s important to act quickly.
You should immediately contact:
Stay Informed About Scams
You may have heard of phishing scams, tech support scams and romance scams, which are just a few of the increasingly common types of fraud. Scammers never stop inventing new ways to get after your personal information and hard-earned cash. That’s why it’s critical to stay in the know about what scams are out there and how they may affect you. When you’re armed with information, you’ll be safer from fraud. To help keep members safe, we regularly share tips and resources designed to help you spot a scam. Check out our latest security education.
Homebuyer Scam Alert: Avoid Real Estate Wire Fraud
Let’s talk about how to stay safe while you’re closing on your new home. When wiring such a large sum of money, it’s important to be vigilant about avoiding wire fraud.
What is Skimming? Protecting Yourself from Card Skimmers
Sometimes, getting scammed might include getting skimmed. That’s when your credit or debit card information gets stolen by an illegal card reader called a skimmer.
Keep Your Accounts Safer With Multifactor Authentication
In today’s digital world, fraudsters never sleep. They’re always planning schemes to get your personal information, including your passwords.
How to Find Your Routing & Account Numbers
When you make a payment online, by phone or on a mobile device, you may be asked for our routing number and your checking account number. Credit unions and banks use these numbers to identify accounts and make sure money gets where it’s supposed to be. You’ll also need to provide your routing and checking account numbers for:
- Direct deposits
- Electronic checks
- Military allotments
- Wire transfers
Where to Find Your Routing & Checking Account Numbers
Your personal checks include both our routing number and your account number, as shown on the Grow check example below.
Don’t have a Grow check? No worries.
Visit any Grow store and ask for a Direct Deposit Form. It lists both your routing number and checking account number.
Making a Loan Payment
When it comes to making payments, we try to make it as painless as possible to pay your loan every month. We have several different ways to pay, including convenient online options.
You have two ways to pay online by transferring funds from another bank or credit union.
- Grow Online Banking (Preferred payment method for any loan)
This is the simplest way to pay your loan. You can make one-time payments or set up automatic recurring payments in Grow Online Banking. Once you log in, select “Transfer/Payments” from the menu. If you’re not enrolled in Grow Online Banking yet, you can set up your account in just a few minutes.
- Debit Card or ACH (Available for auto, personal loans and HELOCs)
Note: ACH and debit card payments are not available for credit cards or most mortgages, except HELOCs.
We accept ACH payments with no additional fees or Mastercard® and Visa® debit cards with a convenience fee of $4.95. To get started with an online ACH or debit card payment, select Pay Now below.
Pay by Mail
You can also pay any Grow loan by check through the mail. Please remember to include your account number and Grow loan number on the check. (For credit card payments, please do not write your 16-digit credit card number on the check, which can cause a delay in processing the payment.)
Address for auto, credit card, personal loan and HELOC payments:
Grow Financial Federal Credit Union
P.O. Box 75466
Chicago, IL 60675-5466
Address for personal first or second mortgages and home equity payments:
Grow Financial Federal Credit Union
P.O. Box 11733
Newark, NJ 07101-4733