Fraud Alerts:


If you get a call from our fraud department, please call them immediately to verify your transactions at:
(877) 253-8964
. Also, please make sure the credit union has your current phone number and email address.



Debit CardAlso, many Wal-Mart's and Sam's require transactions under $50.00 to be processed as a "credit". However, with our current situation, a PIN number is required in order for your transaction to be approved. So, we would suggest that you purchase $50.00 or more, or get "cash back" to put the total over $50.00.

We apologize for this inconvenience and hope that this will be resolved soon.



1) MasterCard and Visa:

There is a new scam involving MasterCard and Visa. Briefly, someone will call you regarding a suspected fraud. During the conversation, they will ask you to give them your 3 digit security number on the back of the card. DO NOT GIVE THIS NUMBER TO ANYONE unless you are authorizing a purchase!!


2) Co-Op Network

Please DO NOT RESPOND to any request for personal information regarding the CO-OP Network. Currently there is a scam involving a fraudulent web site.

Keep your money safe: Rremember that Valwood will NEVER send you emails requesting personal information such as: Username, Password or PIN Number.


Also, due to security concerns, please refrain from emailing us your account number or other identifying numbers that could be used to steal your identity. Emails can be intercepted and are therefore vulnerable to improper use. This type of information should be faxed or mailed to us or given to us over the phone. If you do not have access to a fax machine and calling us is difficult, please use "x" for the first five digits of your account number when corresponding thru emails - i.e.: xxxxx234. In most situations, we can determine your account number from your name - assuming you are the primary account holder.


General Information on Scams:


To learn more about these types of scams, please review the information provided below:


Please contact Valwood if you are at all in doubt about the authenticity of any communications requesting any personal information.


Below are some general tips for using online communications.

  • Do not click on a link in any e-mail when you are not sure of its legitimacy, even if it looks genuine. If you are at all in doubt, contact the company directly.

  • Avoid e-mailing personal and financial information.

  • Never open e-mail attachments from unknown sources and delete the e-mail in question immediately.

  • Install the latest anti-virus and firewall applications to your computer.

Find out more about internet fraud at:


What is Phishing?

Phishing (pronounced "fishing") refers to fraudulent communications designed to deceive customers into providing personal, financial or account information.


There are numerous Phishing scams developed everyday.


These scams come in different forms and are evolving regularly, such as e-mails that provide a link to a fraudulent site, inviting the recipient to enter personal information.

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