Your password is just the beginning.
LMCU runs multiple layers of security and monitoring. But your awareness matters too. This page covers both.
Three ways LMCU protects you.
Robust security systems that run continuously. Ongoing education about today's evolving scams. And, when something does go wrong, a fast, decisive response. That's the commitment we give to every LMCU member.
Here's what's working for you
LMCU monitors account activity continuously, looking for transactions that don't match your normal patterns. When something unusual surfaces, our team responds fast. Because getting ahead of fraud beats cleaning it up after the fact. That's not a promise we make lightly. It's what our systems are built to do.
Multi-factor authentication, session timeouts, secure online banking tools, and mobile authenticators all add protection at key moments, like logging in, approving transactions, and making changes to your account. No single layer does everything. That's the point.
The LMCU Security Center is your go-to resource for staying ahead of scams and protecting your identity. You'll find fraud protection guides, tips for spotting phishing attempts, and direct ways to report suspicious activity. Think of it as the reference shelf behind all the protection that's already in place.
What LMCU will never ask for
Here's a rule worth knowing: LMCU will never contact you unexpectedly and ask for your password, PIN, one-time passcode, or sensitive account information. Not by phone, not by text, not by email. If a message creates urgency and asks for any of that — pause. Verify through an official channel. Then contact us.
What to watch out for
Phishing
Fraudulent emails designed to look like they're from a trusted source — your bank, a government agency, a vendor you recognize. The goal is always the same: get you to click a link or share information.
Smishing
The text message version of phishing. Scammers send urgent-sounding texts — a fake fraud alert, a package delivery problem, an account warning — with a link that leads somewhere it shouldn't.
Vishing
Voice calls from someone claiming to be your financial institution, the IRS, or tech support. They'll often have partial information about you to seem credible. If a call asks you to act immediately, that's the signal to slow down.
Account takeover
When someone gains access to your credentials and uses them to get into your account. Strong passwords, unique across accounts, and MFA are your first line of defense here.
Even more protection.
LMCU members qualify for exclusive savings on LifeLock identity protection, one of the most recognized names for fraud protection. If you want to extend your coverage beyond your account, Member Perks is the place to start.
Common questions about fraud protection.
The more you know, the harder a target you become. These are the questions we hear most, answered in plain language.
Contact LMCU right away through an official support path — call us, visit a branch, or use our Help Center. Do not respond to the suspicious message, click links in it, or share any information. Acting fast matters.
LMCU will never contact you unexpectedly and ask for your password, PIN, one-time passcode, or sensitive account details — by phone, text, or email. If a message asks for any of that and feels off, trust that instinct. Contact us directly.
Phishing
Uses email.
Smishing
Uses text messages.
Vishing
Uses phone calls. All three use urgency and imitation to pressure you into sharing information or clicking a link. If any message about your account feels wrong, go directly to LMCU through a known channel instead of engaging with it.
Multi-factor authentication (MFA) requires a second form of verification — a code sent to your phone, a mobile authenticator app — before granting account access. Even if someone has your password, MFA helps block unauthorized entry.
No. LifeLock identity protection is a supplemental benefit — it monitors your identity beyond your LMCU accounts. But if you suspect fraud on your LMCU account specifically, contact us directly. That's always the right first move.
