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Protect Yourself From Identity Theft
Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. We can help you protect yourself.
Steps to Take to Avoid Identity Theft:
- 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 financial accounts.
Signs You May be a Victim of Identity Theft:
- You are receiving mail for loans or credit cards you did not apply for.
- You have unknown inquiries on your credit report.
- Your bank, credit card or other financial account show unauthorized transactions.
- The IRS has rejected your tax filing as “previously filed.”
- Your health plan rejects your legitimate medical claim because the records show you’ve reached your benefits limit.
Who to Contact If You’re a Victim of Identity Theft:
- Your financial institution, credit card companies, mortgage company, etc.
- Credit Reporting Bureaus—Equifax, Experian and TransUnion
Federal Trade Commission
Protect Your Business, Too
With the increase of data breaches, ransomware and other online threats, securing your company’s information has never been more important.
- Educate yourself and your employees on current scams and threats.
- Secure your IT Infrastructure with a firewall and anti-virus software.
- Back up your data.
- Have a password policy.
- Designate a specific computer for banking transactions.
- Use Dual Control setting for payments.
Report Phishing and Scams
- IRS Email Impersonation Scam—If you receive an email that fraudulently claims to be from the IRS you can forward it to [email protected]
- If you receive a phishing email you can forward it to [email protected]
- Visit OnGuardOnline to report emails you suspect have a malicious code or attachment that you have clicked to download.
Don’t Ignore Those Strange Calls and Emails
Have you ever gotten a phone call or email that felt a little weird? Maybe the caller was a little too familiar, and tried to pump you for information. Or maybe you got an email that looked right, but was worded strangely. Never ignore communications like that, because all too often it’s bad guys testing for weak spots. If you get a suspicious call or email, or you think your account may have been compromised, report it. Immediately.
Call the Grow Member Contact Center Monday through Saturday during regular business hours at 800-839-6328.
The IRS is Here to Help
If you’ve been the victim of tax fraud, you can call the IRS ID Protection Unit directly. Call the IRS at 800.908.4490.
Get the IRS After Them
Received an email that claims to be from the IRS? Something feel strange about it? Forward it directly to the Internal Revenue Service. Email the IRS.
Get These Guys After the Bad Guys
If you’ve received a phishing email, forward it to the Anti-Phishing Working Group. Email APWG.
Clicked a Suspicious Email? Here’s Help
You can go to OnGuardOnline to report emails you suspect may have included malicious code or an attachment that you downloaded. Visit OnGuardOnline.
How We Protect You
You trust us with your money, and it’s a trust we take seriously. At Grow, we use advanced security systems to safeguard the privacy of your confidential information. The measures we take to protect you against fraud include using Grow Card Alerts and Visa® Safeguard. We closely monitor Grow Visa® card accounts for any indication of fraudulent activity, and under the protection of Visa®’s Zero Fraud Liability policy, you won’t be held liable if any unauthorized charges are made with your card.
Should you have any questions, please call the Grow Member Contact Center at 800.839.6328 or visit your nearest Grow Financial store and a Relationship Specialist will be happy to assist you.
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