Report Fraud
If you believe your financial information or account credentials are compromised, please contact us immediately.
Card Help Center
Debit/Credit Card Protections
Enhanced measures for card security
- EnFact Fraud protection
- EnFact can deny a likely fraud transaction and temporarily block the card from being used.
- Digital Wallet Service
- Use your smart phone device and connect to Apple, Google or Samsung Pay for contactless/encrypted purchases.
- Fraud Monitoring
- If a suspicious transaction is detected, you’ll receive a text notification to confirm or deny the purchase.
- If you deny the transaction as fraudulent, the card will be canceled. Contact Sunlight FCU directly to order a replacement card.
How You Can Protect Yourself
- Secure Passwords
- Your online banking and account passwords are confidential. Businesses, including Sunlight FCU, will never ask you for your passwords. Keep these secure and change your passwords periodically.
- Don’t Click on Unknown Links
- Before you click, review the message content and sender information to help prevent downloading malicious software to your device. If you are unsure of the sender or its legitimacy, contact the company directly using a trusted website or by looking up the phone number.
- Protect Your Personal & Financial Information
- Avoid giving out personal or financial information in response to an unsolicited text, telephone call, or email. Safeguard your social security number, card details, and account numbers. Before sharing, independently contact the business and validate the request.
Consumer Resource Center
Find Tips and Prevention Resources
Tips to Avoid a Scam
Avoid the Urgency and Pause. Don’t feel pressured to immediately pay or to give out your personal information. Legit businesses will allow you the time to make a decision. It’s okay to disconnect and contact the company directly to verify the request.
Gift Card Payments. A business will not ask you to send a payment using a gift card. If you are asked by someone to send money this way, it’s a scam.
Depositing a Check. Asking someone to deposit a check to then send back money is a scam.
Stop. It’s okay to take a moment and connect with someone you trust such as family or a neighbor to talk about what happened.
Recognizing Common Scams
- Tech Support Scam
- You get a pop-up on your computer screen or a technician calls or sends a message indicating your computer is infected. It may appear to be from a legit company such as Microsoft. They ask for your banking information or remote access to your device to fix it. Why? The scammer’s intention is to use this as a ploy to gain access to then install malware which allows them to see all of your information, including your passwords.
- Romance Scam
- You receive a random request from an unknown person who is interested in getting to know you. It could be from social media or a dating app. They immediately ask to move off the platform and communicate directly on your phone. Why? The scammer’s intention is to build trust so they can begin asking for things, including money. If the person requests gift cards, cryptocurrency, or cash be sent to help with an emergency or a trip to visit, it’s a scam.
- Prize and Lottery Scams
- You receive a letter or phone call saying you won a prize or sweepstakes. Maybe it’s a new car, a trip, or even cash. Now what? In order to claim your winnings, you are asked to send money to pay for shipping costs or taxes before you can collect. Just remember, if you have to pay to get your prize, it’s a scam. If you have to give out your banking or personal information such as your SSN to claim a prize, it’s a scam.
Stay Informed
Visit to learn more about fraud prevention and tips to help protect yourself.