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Insurance Services | Budgeting Smart | Accel Financial Counseling | Identity Theft & Fraud Alerts | Love My Credit Union | Sprint

National Consumer Protection

The Federal Trade Commission (FTC), as the nation's consumer protection agency, wants to make sure you have the information you need to help fight back against identity theft.



FTC Website


Fraud Alert:

TEXTING SCAM:

Please be aware that another texted scam is being fraudulently sent out like it is from Citizens Bank and TVA Credit Union again.
It asks you to call a number and they want your card number, PIN, and the CVV (3 digit code) on the back of the card.

These ARE NOT coming from legitimate financial institutions! Your financial institution would never ask you for all that information. DO NOT GIVE YOUR INFORMATION OUT TO ANYONE, UNLESS YOU INITIATE THE CALL!

If you receive a text message with a message saying your debit card has been deactivated and to call a toll-free number - - DO NOT CALL IT!!  It will ask you to enter your debit card number. It is a scam to obtain your card number and personal information!


Email, Telephone Scams:  It's important for you to know that Enrichment will not call, text or e-mail you to request your personal account information. You should never give out account or personal information over the phone or in response to a mailing or emails unless you initiated the communication yourself or have positively verified the source. On the phone, don't be afraid to ask questions, including asking for a number to call back.

Data Breaches: What You Need to Know: With so many merchant data breaches in the news, we want you to know that Enrichment Federal Credit Union is ready to help if your personal or financial data is ever compromised. We take service to our members seriously and will do everything we can to ensure that action is taken – quickly – to help you avoid becoming a victim of identity or account theft.

Your credit union is subject to strong data security standards established by Congress and federal regulators. While data breaches can happen anywhere, we are ready with a plan designed to ensure the safety and confidentiality of your sensitive data.

Unfortunately, merchants and retailers aren't subject to these federal requirements. Many of them follow their own data security standards, but the recent rash of data breaches shows these are no substitute for a stronger federal standard. When it comes to protecting your personal information, every measure counts.

When your debit or credit card data is breached at a retailer, the cost of card replacement or account reimbursement to you is typically paid not by the merchant where the breach occurred, but by your credit union.

We want you to know that in the event of any breach affecting your accounts, this credit union will always do what we can to make you whole. In the meantime, credit unions around the country are leading the effort to get Congress to pass legislation ensuring merchants and retailers meet a national standard for protecting any of your financial data collected when you make a purchase. We hope you will support us in this effort.

While we can't control what happens at merchants and retailers, we want you to know that Enrichment Federal Credit Union will do everything we can to assist you and your family if a breach does occur when you use your debit or credit card. You can always feel free to reach our Card Services Department at 865-482-0045.


Debit Card Fraud Alert: 

Due to increasing fraudulent activity, the following debit card transactions have been blocked in the following countries and states:

Signature Blocked Countries:  Canada, Brazil, France, Belgium, Spain, Ireland, United Kingdom, Italy, China, India, Philippines, Mexico, Indonesia, Russia, Thailand, Germany, Turkey, Sweden, South Africa, North Korea, Malaysia, Kuwait, Singapore, South Korea and Saudi Arabia.

Signature Blocked States:  California, New Jersey, Pennsylvania, Illinois, Louisiana, New York and Maryland. Florida and Texas are blocked in department and grocery stores. Ohio is blocked for discount stores.

PIN Blocked Countries,States & Cities:  Canada, Guatemala, Antigua, Barbuda, Columbia, New York, New Jersey & Pennsylvania, Nashville, TN, Louisville, KY.

All Transactions Blocked:  Pakistan, Puerto Rico

If you plan on traveling to any of these areas, contact our Card Department at 865-482-0045 or 800-482-0049 prior to your trip for special arrangements to use your debit card.

Tips to Protect Your EFCU Cards

First and foremost your accounts with Enrichment Federal Credit Unions (EFCU) are monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity.

We employ the most advanced fraud detection and prevention technology to guard members' credit and debit accounts against unauthorized access and use. In addition, Visa's Zero Liability policy ensures that you are not responsible for unauthorized purchases made on your Enrichment FCU debit and credit cards.  

Often in a breach, personal information may be stolen such as names, mailing addresses, phone numbers and email addresses. While this does not directly impact your debit or credit card, it is important to understand that this type of information is often used in telephone, email, mail and online scams. 

It is important to safeguard your personal information and NEVER provide it at the request of a call, letter, email link or screen alert. We will NEVER contact you and request your personal information, including account information.

Tips for safeguarding your information:

  • Scam artists are convincing and use pieces of information to convince consumers that they are calling for legitimate purposes. If you receive a call requesting personal information, hang up. You can initiate a call back to the Credit Union. NEVER use a number provided by a caller. Always use a number that you obtain from a business directory or EFCU's website.
  • We will not send Text Messages requesting personal or account information. NEVER respond to a text request for personal information.
  • Email communications may appear official, but often they are not. NEVER click a link or open attachments within an email that you are not expecting from the Credit Union. When in doubt, contact our Call Center at 865-482-0045 to confirm that we originated the communication. Do not reply or click links until the communication is validated.
  • Be especially mindful of communications that request personal information or make offers via links that are not legitimate. Always validate and confirm numbers through a source other than those provided by a caller, email or letter.
  • Letters may be generated that appear to be from EFCU. Remember, we never request your personal information. If you receive a letter requesting a reply or information update that you are not expecting, do not respond without contacting your Credit Union. Also, NEVER use phone numbers, email addresses or web links provided in any communication. Always validate these personally through another source.


Other important reminders:

We always recommend that you take proactive measures to protect your account(s) including:

  • Review your account(s) on a regular basis to confirm that all transactions are legitimate and were authorized by you or another account owner. You can monitor your accounts and transactions easily through online, mobile or telephone banking. Transactions through our self-serve channels are available in a timelier manner than monthly paper statements.
  • Report any suspicious transactions immediately by contacting the number on the back of your card to report any fraudulent transactions.
  • Ensure that EFCU has your most current contact information including mailing address, email address and telephone numbers. We make every effort to contact members that may need direct assistance and often email and telephone are the quickest and most effective formats to contact members. 


To update your information sign in to homebanking or call 865.482-0045 or toll-free 800-482-0049.

We remain committed to you and the security of your accounts and private information. Please contact us directly if we may assist you further

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Insurance Services | Budgeting Smart | Accel Financial Counseling | Identity Theft & Fraud Alerts | Love My Credit Union | Sprint

National Consumer Protection

The Federal Trade Commission (FTC), as the nation's consumer protection agency, wants to make sure you have the information you need to help fight back against identity theft.



FTC Website


Fraud Alert:

TEXTING SCAM:

Please be aware that another texted scam is being fraudulently sent out like it is from Citizens Bank and TVA Credit Union again.
It asks you to call a number and they want your card number, PIN, and the CVV (3 digit code) on the back of the card.

These ARE NOT coming from legitimate financial institutions! Your financial institution would never ask you for all that information. DO NOT GIVE YOUR INFORMATION OUT TO ANYONE, UNLESS YOU INITIATE THE CALL!

If you receive a text message with a message saying your debit card has been deactivated and to call a toll-free number - - DO NOT CALL IT!!  It will ask you to enter your debit card number. It is a scam to obtain your card number and personal information!


Email, Telephone Scams:  It's important for you to know that Enrichment will not call, text or e-mail you to request your personal account information. You should never give out account or personal information over the phone or in response to a mailing or emails unless you initiated the communication yourself or have positively verified the source. On the phone, don't be afraid to ask questions, including asking for a number to call back.

Data Breaches: What You Need to Know: With so many merchant data breaches in the news, we want you to know that Enrichment Federal Credit Union is ready to help if your personal or financial data is ever compromised. We take service to our members seriously and will do everything we can to ensure that action is taken – quickly – to help you avoid becoming a victim of identity or account theft.

Your credit union is subject to strong data security standards established by Congress and federal regulators. While data breaches can happen anywhere, we are ready with a plan designed to ensure the safety and confidentiality of your sensitive data.

Unfortunately, merchants and retailers aren't subject to these federal requirements. Many of them follow their own data security standards, but the recent rash of data breaches shows these are no substitute for a stronger federal standard. When it comes to protecting your personal information, every measure counts.

When your debit or credit card data is breached at a retailer, the cost of card replacement or account reimbursement to you is typically paid not by the merchant where the breach occurred, but by your credit union.

We want you to know that in the event of any breach affecting your accounts, this credit union will always do what we can to make you whole. In the meantime, credit unions around the country are leading the effort to get Congress to pass legislation ensuring merchants and retailers meet a national standard for protecting any of your financial data collected when you make a purchase. We hope you will support us in this effort.

While we can't control what happens at merchants and retailers, we want you to know that Enrichment Federal Credit Union will do everything we can to assist you and your family if a breach does occur when you use your debit or credit card. You can always feel free to reach our Card Services Department at 865-482-0045.


Debit Card Fraud Alert: 

Due to increasing fraudulent activity, the following debit card transactions have been blocked in the following countries and states:

Signature Blocked Countries:  Canada, Brazil, France, Belgium, Spain, Ireland, United Kingdom, Italy, China, India, Philippines, Mexico, Indonesia, Russia, Thailand, Germany, Turkey, Sweden, South Africa, North Korea, Malaysia, Kuwait, Singapore, South Korea and Saudi Arabia.

Signature Blocked States:  California, New Jersey, Pennsylvania, Illinois, Louisiana, New York and Maryland. Florida and Texas are blocked in department and grocery stores. Ohio is blocked for discount stores.

PIN Blocked Countries,States & Cities:  Canada, Guatemala, Antigua, Barbuda, Columbia, New York, New Jersey & Pennsylvania, Nashville, TN, Louisville, KY.

All Transactions Blocked:  Pakistan, Puerto Rico

If you plan on traveling to any of these areas, contact our Card Department at 865-482-0045 or 800-482-0049 prior to your trip for special arrangements to use your debit card.

Tips to Protect Your EFCU Cards

First and foremost your accounts with Enrichment Federal Credit Unions (EFCU) are monitored 24/7 by an experienced team of security professionals for any suspicious or potentially fraudulent activity.

We employ the most advanced fraud detection and prevention technology to guard members' credit and debit accounts against unauthorized access and use. In addition, Visa's Zero Liability policy ensures that you are not responsible for unauthorized purchases made on your Enrichment FCU debit and credit cards.  

Often in a breach, personal information may be stolen such as names, mailing addresses, phone numbers and email addresses. While this does not directly impact your debit or credit card, it is important to understand that this type of information is often used in telephone, email, mail and online scams. 

It is important to safeguard your personal information and NEVER provide it at the request of a call, letter, email link or screen alert. We will NEVER contact you and request your personal information, including account information.

Tips for safeguarding your information:

  • Scam artists are convincing and use pieces of information to convince consumers that they are calling for legitimate purposes. If you receive a call requesting personal information, hang up. You can initiate a call back to the Credit Union. NEVER use a number provided by a caller. Always use a number that you obtain from a business directory or EFCU's website.
  • We will not send Text Messages requesting personal or account information. NEVER respond to a text request for personal information.
  • Email communications may appear official, but often they are not. NEVER click a link or open attachments within an email that you are not expecting from the Credit Union. When in doubt, contact our Call Center at 865-482-0045 to confirm that we originated the communication. Do not reply or click links until the communication is validated.
  • Be especially mindful of communications that request personal information or make offers via links that are not legitimate. Always validate and confirm numbers through a source other than those provided by a caller, email or letter.
  • Letters may be generated that appear to be from EFCU. Remember, we never request your personal information. If you receive a letter requesting a reply or information update that you are not expecting, do not respond without contacting your Credit Union. Also, NEVER use phone numbers, email addresses or web links provided in any communication. Always validate these personally through another source.


Other important reminders:

We always recommend that you take proactive measures to protect your account(s) including:

  • Review your account(s) on a regular basis to confirm that all transactions are legitimate and were authorized by you or another account owner. You can monitor your accounts and transactions easily through online, mobile or telephone banking. Transactions through our self-serve channels are available in a timelier manner than monthly paper statements.
  • Report any suspicious transactions immediately by contacting the number on the back of your card to report any fraudulent transactions.
  • Ensure that EFCU has your most current contact information including mailing address, email address and telephone numbers. We make every effort to contact members that may need direct assistance and often email and telephone are the quickest and most effective formats to contact members. 


To update your information sign in to homebanking or call 865.482-0045 or toll-free 800-482-0049.

We remain committed to you and the security of your accounts and private information. Please contact us directly if we may assist you further