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Patelco Fraud Center

Learn how to avoid the latest scams, keep your accounts safe, and get help from Patelco.

How to report fraud to Patelco

At Patelco, we’ll be with you on every step of your financial journey, including when you’re a victim of fraud. Contact us immediately if you suspect fraud on your account(s), or if you responded to a suspicious email, text message or phone call.

Know the red flags

Fraudsters can tap into your emotions or try to catch you off guard.

Here are 5 red flags to watch out for based on Patelco’s fraud monitoring.

If you answer “yes” to any of these, you may be the target of a scam. Don’t click on any links or share any information with the person contacting you.

If you’ve lost money to a scam, contact us as soon as possible to see if we can place protection on your account and try to recover funds.

Want to learn even more about common red flags and protecting yourself from fraud? Download Patelco’s fraud booklet here. We even have a version tailored with information for older people. Click here to download a copy.

  • 1.  Did someone claiming to be Patelco call and ask for card information, one-time passcode and/or login credentials to online banking?

  • 2.  Were you contacted by someone out of the blue and pressured to transfer your money (to “protect” it) or to wire them money?

  • 3.  Were you asked to hide information from or lie to Patelco or your other financial institution(s)?

  • 4.  Does this transaction involve a foreign country, territory, or state where you don’t have contacts or connections?

  • 5.  Were you “overpaid” or “over reimbursed” for something and are now being asked to send the “extra” money back?

Voice authentication for safer calls

We're adding this in mid-2024

Soon, we’ll be able to authenticate your identity via natural conversation when you call us.

Highly accurate voice recognition

It analyzes multiple unique aspects of your natural voice, making it very challenging to mimic.

Easy to enroll

Next time you call us, you can request to be enrolled – just be sure your contact information is up to date first.

Next level voice security

When you call us, we’ll compare your voice to your voiceprint – making it quicker to authenticate you and help with your question.

More about voice authentication

  • Voice authentication is a type of biometric authentication, a security process that relies on unique biological characteristics like a fingerprint. In this case, it’s a voiceprint – which includes your individual pitch, tone, and pronunciation.

    No, you don’t have to – but we highly recommend it as an additional layer of security so that we know it’s you when you call us.

    Next time you call 800.358.8228, just tell us you want to enroll. Your contact information must be up to date, and we’ll ask you to authenticate yourself with personal information so that we can be sure it’s your voiceprint we’re saving.

    Our voiceprint identification system is designed to be resistant to deepfake technology, making it more difficult for fraudsters to impersonate you.

    There are many benefits to using voice authentication. First, it enhances security by adding an extra layer of protection to help guarantee we’re talking to you. Second, it’s a more seamless and faster experience for you – so you can get authenticated faster and get down to the business of your call.

Fraud happened. Now what?

Fraudulent debit or credit card activity

File a claim immediately using our online claims center by logging into Patelco Online™. See other details here.

I called Patelco – what else can I do?

It’s important to act quickly and to report it to the authorities. Read our tips for being proactive.

Suspicious account activity that's not yours

We’re here to guide and support you if you notice account activity that’s not yours. Contact us immediately.

Identity theft happened

Here’s what you can do to act fast and recover if you’ve been a victim of identity theft.

Three tips to stay safe

Watch our video to the right to learn how you can protect your identity and finances by following three simple steps.

Frequently asked questions about fraud

Tips & Facts

The best way to avoid fraud

Don’t give personal information or money to anyone who calls or texts you. Learn more>

Is it a scam?

We’re here to help you figure out if it’s a scam before you give out any personal information or transfer money. Call us at 800.358.8228 and enter extension 5323 to talk with a specialist. You can also schedule an appointment with our Fraud Experience Team (for the type of appointment, select FRAUD CONSULTATION).

How to protect your account
  • Keep your contact information up to date so we can contact you quickly if we see suspicious activity on your account
  • Sign up for Patelco Online™ or the Mobile App to view account activity
  • Set up Two-Factor Authentication for added security each time you log in
  • Manage account alerts, card alerts and transaction controls
  • Choose SMS (or text message) as your primary alert and notification channel for timely information
  • Designate a Trusted Contact for your account in case we cannot get ahold of you

More fraud resource and prevention tips

Discover the additional resources that Patelco has put together for members like you.


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