Member Security

Protecting your security is always our priority. If you ever believe you have been the victim of any suspected fraud on your American Heritage accounts, contact us immediately.

Report a lost or stolen card

Update: Sharing Your Information

Scammers have been contacting American Heritage members, posing as associates of our fraud department. They have been calling and texting members, seeking to obtain card and account information to steal from your accounts.

These scammers have been “spoofing” the phone number, making it appear that they are calling or texting from a legitimate phone number from American Heritage.

Remember, you are being scammed if:

  • You receive a call with the caller saying they are from the fraud department, investigating fraudulent charges with your account. The caller will provide the first few digits of your “card,” and then ask you to supply the rest, as well as its expiration date, CVC codes, or passwords. They are trying to steal your information.
  • If you receive an immediate phone call after replying “NO” to a text message alert asking you to verify certain charges. Legitimate alerts sent by American Heritage Credit Union will NOT be followed by an immediate phone call to you.
  • The caller tells you they will be sending you a verification code that you need to supply to them. They need this code to add your card to a payment platform, such as Apple Pay.

Remember to NEVER provide account information or codes to callers!

Your security is our top priority. American Heritage Credit Union will never contact you and ask for your account number, login information, passwords, or card information. Legitimate financial institutions will never ask you for this information. If you ever receive a call asking for your personal financial information, immediately hang up and contact us at 215.969.0777. We also encourage you to set up eAlerts and Card Controls through Online Teller to better protect your information and receive notifications of your transactions.

Examples of Fraudulent Activity

 

Online Support

Social Engineering

Scammers use social media to solicit victims and crack into their accounts. Victims are typically targeted when they respond to social media posts or messages preying upon those in need, promising payouts or get-rich-quick schemes. When victims provide their online banking username, password, ATM card, or PIN, fraudsters log into their account. They then deposit fraudulent checks, then use the ATM card to withdraw the funds as they become available. The checks are subsequently returned and the account is negative, leaving victims on the hook for potential damages..

 

Server

Data Breach

A data breach is an incident in which sensitive, protected, or confidential data has potentially been viewed, stolen, or used by an individual unauthorized to do so.

Data breaches may involve personal health information (PHI), personally identifiable information (PII), trade secrets or intellectual property. The most common concept of a data breach is an attacker hacking into a corporate network to steal sensitive data.

 

 

Desktop Warning

Ransomware

Ransomeware is the technique of using a computer virus to hold data hostage. At its heart, ransomware mimics the age-old crime of kidnapping: someone takes something you value, and in order to try to get it back, you have to pay up. For it to work, computers need to be infected with a virus, which is usually accomplished by tricking someone into clicking on a link. Once users click on the link or attachment, the ransomware encrypts the computer's hard drive, locking people out of all computer files. A screen will appear, threatening to destroy the files unless a ransom is paid.

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Helpful Tips

In hopes to prevent the above attacks, please be mindful of the following:

  • Do not click a link from someone you do not know.
  • Keep the anti-virus software up-to-date.
  • Add "eAlerts" to stay up to date with all activities to your American Heritage accounts.
  • Do not download attachments in emails from someone you do not know.
  • Do not give out your personal information (bank account, social security number) to people you don’t know.
  • Never share your debit card information or PIN with anyone.
  • Don't deposit funds from an unknown source into your account.
  • Never involve yourself in a criminal scheme in any way. It is illegal to defraud a financial institution.
  • Also as the saying goes, if it’s too good to be true, it probably is.
Four Ps to Fight Fraud
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"Phantom Hacker" Scam

The Federal Bureau of Investigation (FBI) has issued a warning about a sophisticated multi-phase scam known as the “Phantom Hacker.” It is a multi-layered fraud where scammers impersonate tech support, bank officials, and even government agents to convince victims they have been hacked. The fraudsters use high-pressure tactics and a fabricated sense of urgency to trick victims into transferring their savings to a supposed "safe" account, which is actually controlled by the criminals.  

The FBI stated in a news release that victims often lose their entire banking, savings, retirement, or investment accounts under the pretense of ‘protecting' their assets. The scammers exploit the personal interests of the victims, usually obtained from their social media posts. Since 2024, this scam has been used to siphon off over $1 billion in funds, with the majority of victims being at least 60 years old, as per FBI data. The scam involves complex operations that include multiple impersonators, spoofed phone numbers, and coordinated follow-ups.
 
The FBI’s warning about the “Phantom Hacker” scam underscores the growing threat of cybercrime in the United States. The fact that the scam targets older individuals, who may be less tech-savvy, further underscores the need for increased vigilance and cybersecurity education among this demographic.
 
How the scam works
The Phantom Hacker scam typically unfolds in three main phases: 
  • Phase 1: The fake tech support. The victim receives an unsolicited pop-up, text, or phone call claiming there is an issue with their computer, sometimes citing a major company like Microsoft. The victim is directed to call a number where a scammer convinces them to download remote access software. The scammer then pretends to scan the computer for a virus and asks the victim to log into their bank accounts to check for fraudulent charges, allowing the scammer to identify which account to target.
  • Phase 2: The fake bank representative. The victim receives a call from someone impersonating a bank representative. The fraudster claims a foreign hacker has accessed the victim's accounts and pressures them to transfer their funds to a "safe" third-party account. The scammer insists the victim not inform anyone, including family members, to maintain secrecy.
  • Phase 3: The fake government agent. To add legitimacy, a scammer may pose as an official from a government agency, like the Federal Reserve. They may send official-looking letters to emphasize that the victim's money is unsafe and must be moved immediately. 
Red flags to watch for
You can identify a potential scam by watching for these signs: 
  • Scare tactics and urgency: Scammers create pressure to make victims act quickly without thinking. No legitimate institution will force you to act instantly on a financial issue.
  • Requests for secrecy: A legitimate bank or government agency will not tell you to keep a situation secret from your family.
  • Unusual payment methods: The U.S. government will never ask you to send money via wire transfer to a foreign account, cryptocurrency, or gift cards.
  • Remote access requests: Never grant an unknown individual control of your computer or device. 
How to protect yourself
  • Verify the source: If you receive an unsolicited call about a problem with your account, hang up. Use a phone number from an official website or a bank statement to call the institution back directly.
  • Don't click on links: Avoid clicking links or downloading attachments from suspicious or unsolicited emails and texts.
  • Maintain strong security practices: Use strong, unique passwords and two-factor authentication for your accounts. Keep your security software updated and back up your data.
  • Talk to someone you trust: If you feel pressured or uncertain about a situation, discuss it with a trusted family member or friend. 
What to do if you are targeted
  • Immediately disconnect: If you are on the phone with a potential scammer, hang up immediately and turn off your computer.
  • Contact your bank: Alert your bank or financial institution's fraud department. Ask them to stop any pending transactions.
  • Run a malware scan: Scan your computer with trusted antivirus software to remove any malicious programs the scammer might have installed.
  • Change your passwords: Change the passwords for your bank accounts and any other sensitive accounts.
  • Report the scam: File a report with the FBI's Internet Crime Complaint Center (IC3) at ic3.gov and include as much information as possible.

Security FAQ

What are Spoof Websites? What does "spoofing" mean?

The safest method to ensure that you are on an authentic website is to check the website address every time you use it. Be diligent and cautious in providing personal information such as Social Security number, credit or debit card information, or account numbers.  If you receive an email asking for this information, or if you are directed to a website that asks for this, you are likely the recipient of a phishing scam and perhaps being directed to a spoof website. American Heritage uses multi-factor authentication to protect our members as well. 

If you believe that you have visited a spoof website, or have received a phishing email, please call our Contact Center immediately at 215.969.0777. Remember, American Heritage will never ask for your password. 

Spoofing

If you receive a call that appears to be from American Heritage, and the caller asks for your social security number, PIN or passwords, please do not provide any information. Make note of the number, disconnect the call and report the call to us at 215.969.0777. For texts, do not reply. American Heritage will NEVER call and ask you for a PIN or password.

Spoofing is a scam designed to deliberately falsify the information transmitted to your caller ID display in an effort to disguise the caller’s true identity. Spoofing scammers often use a caller ID that appears to be from your bank or credit union. In some instances, scammers also spoof a number from a local government agency. If this call or text is answered, the scammer will create a false story that the call recipient’s card is being used, and then will ask for personal information that can be used to steal funds or to conduct other fraudulent activity. Once again, American Heritage will never call to ask for your Online Teller/Mobile Teller account ID and password, Account Number, Social Security Number, or Credit/Debit Card PIN.

A spoof website is designed by fraudsters and claims to be the legitimate website of an organization. In the case of credit unions or banks, they appear to be identical and are designed to capture, and steal, online banking login information. The domain or website address is often similar. At American Heritage, our domains are AmericanHeritageCU.org, AMHFCU.org, AHCU.co, or onlineteller.amhfcu.org. Fraudsters often use phishing emails to drive members or non-members to spoof websites as well. By providing a fake password, they can then send the unsuspecting website user to a page that shows a false inflated balance.

How do I set up Instant Account Alerts to monitor my account?

We always encourage our members to set up eAlerts to help monitor accounts for activity. Not only does this help manage your daily finances, but eAlerts can also help detect fraudulent activity.  The eAlerts are text or email messages sent to your phone, mobile or desktop device that let you know important information such as debit card activity, direct deposit received, low balance in your account, and more. To sign up for eAlerts, login to Online Teller and click on the eAlerts Tab or log in to your Mobile Teller App, click Member Service > eAlerts.

How do I use Card Controls to manage my cards?

If you have a credit or debit card with American Heritage, we offer a valuable privacy benefit in our Card Controls. This safety feature allows you to activate a debit card, submit a travel notification, manage overdraft privilege, deactivate a lost or stolen card, change authorization limits and much more. To set up Card Controls, login to your Mobile Teller app, click on Card Services in your menu, and then you will be prompted to deactivate a lost or stolen card, change an authorization limit, and more.

I think I found a fraudulent charge on my debit or credit card. How can I file a dispute?

Members can dispute debit and credit card transactions through their Online Teller account. This self-service feature is available under the Card Services tab on the top banner of your Online Teller account page.

If you do not have an Online Teller account, please call our Contact Center at 215.969.0777.

What is Falcon Fraud Protection? How does it verify my purchases?

American Heritage is committed to ensuring the safety of your financial information. American Heritage has a Falcon Fraud Protection system that automatically analyzes all debit and credit card transactions. If any activity occurs that is unusual or suspicious in your account, Falcon Fraud may detect it and you will receive a phone call to confirm if the transaction is legitimate or fraudulent.

You may contact Falcon directly: 855.961.1602.

If you at any time receive a message by phone or email that identifies itself as a fraud protection company and the company’s phone number does not match 855.961.1602, this could be a scam - contact American Heritage immediately! Falcon Fraud Protection is one more way that American Heritage protects you against fraud and identity theft.

What types of Online Security protect my account?

Your online experience with American Heritage is always secure with Multi-Factor Authentication protecting your privacy. By asking you, in a one-time enrollment process, for a user name, password and answers to challenge questions that no one else would know, American Heritage is able to verify that you are who you say you are. Then, if we ever detect any uncharacteristic or unusual activity involving your account, we may ask for identity verification using your challenge questions before allowing the user to continue.

Multi-Factor Authentication also allows you to know that you are using the real American Heritage Online Teller, and not a spoofed site. During your initial login to Online Teller, you will select an image - known as an eStamp - which will be displayed each time you log on. You will also select an eStamp phrase that will be displayed when the eStamp image appears. Since you select the image and phrase during enrollment, you can be assured each time you log in that you are on American Heritage's site and not a fraudulent look alike website.

For an added level of security, American Heritage Credit Union's website is secured by VeriSign, the leading secure sockets layer (SSL) Certificate Authority enabling secure e-commerce and confidential communications for websites, intranets, and extranets. The VeriSign logo will always appear on our website, online applications, Online Teller and OnLine Bill Payer to assure that you are protected. Also, when you visit our website a lock will be displayed on the bottom of your screen indicating that the site is secured. It is also extremely important to keep your password private and to never allow your computer to save your Online Teller password. Always exit Online Teller properly by using the End Session command.

Cookies

To use Online Teller, "cookies" must be enabled on your browser. Cookies are security tracking devices designed to alert you to previous activity on your account. Since all browsers' default settings enable cookies, you are most likely ready to log on to Online Teller. If you have previously disabled cookies, you must set this feature to "ON" before you begin.

Menus

Online Teller is designed to be as user-friendly as possible. On-screen prompts will guide you every step of the way. To ensure accuracy, you will be asked to verify every transaction before it is posted to your account.

Real Time

Feature Online Teller gives you access to your actual, real-time account information. The transactions you perform will be posted instantly, provided there are no holds on the funds.

Time Out Feature

Online Teller will automatically "time-out" after two minutes of screen inactivity. This will prevent others from accessing your personal information if you inadvertently leave your computer while you are logged on to Online Teller. Access your account with confidence, knowing that the American Heritage Online Teller is convenient, secure, and best of all, completely free. You'll enjoy a new level of financial flexibility and control. Visit your local branch or contact us today and visit as often as you like for secure account access.

Email

Be cautious when using email to send us communications that contain confidential information. Emails are not sent in a secure form, may not be immediately received by the appropriate team member at American Heritage, and potentially can be intercepted by third parties. We recommend that you refrain from including sensitive personal information such as social security or account numbers in an email.

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Important Security Update to Prevent Account Aggregator Fraud

Account aggregator services are an easy way for consumers to connect all of their various financial relationships. However, account aggregation can also lead to account fraud. In order to protect the security of our members,  American Heritage has turned on Multi-factor Authentication (MFA) when using an account aggregator service due to the recent uptick in fraudulent transactions using stolen credentials within aggregator services. This will affect members using services like Quicken, TurboTax, PayPal, etc., as well as other credit unions or banks that might connect to your American Heritage account. 

When you connect to American Heritage via a service that uses an aggregator, you will be asked to complete a security verification in order to proceed. You may not be asked to verify your identity every time, but you may be asked again in the future. While this may seem like a small change, protecting our members' security is always our biggest priority.

You may be familiar with MFA, as your online experience with American Heritage is always secure with our MFA protecting your privacy. By asking you, in a one-time enrollment process, for a user name, password and answers to challenge questions that no one else would know, American Heritage is able to verify that you are who you say you are.

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6 Must-Have Insurance Policies to Safeguard Your Life

By: American Heritage06.18.25
Security
A young family smiling and sitting together in their living room

June 28 is National Insurance Awareness Day, making it the perfect time to review your coverage and ensure you’re financially protected from life’s unexpected moments. But with so many options, which types of insurance do you really need? Is there coverage you should have for your beyond your own personal health insurance?

 

What is Insurance?

Insurance is a contract that provides protection to you, your loved ones, and selected assets like your car or home. The contract is between you and an insurance company, where all the details of your protection are outlined in the policy. These details include who or what is covered by the contract, the circumstances in which the payment will be issued, as well as who or what is covered by the policy and how much money will be received.

You’ll more than likely make monthly or annual payments on your insurance policies, which are called premiums. These payments keep your policy active and ensure that you will be covered for what is included within your policy. Health insurance may come out of your paycheck through your employer, while something like homeowners or renters insurance may be included in your monthly mortgage or rent payment.

 

Types of Insurance

Here are six essential types of insurance coverage most people carry, or should at least consider, based on their life stage and situation.

1. Health Insurance

Medical emergencies can happen in the blink of an eye, and they can quickly become financial emergencies if you’re not insured. Whether you’re covered through an employer, the Affordable Care Act (ACA) Health Insurance Marketplace, or a private plan, health insurance is foundational to your physical and financial well-being.

Tip: American Heritage partners with eHealth to help members find health plans that fit their budget and needs. Get a free comparison with top carriers and make an informed choice.

 

2. Life Insurance

Life insurance protects your loved ones financially if something happens to you. Whether you’re covering a mortgage, childcare, or college tuition, a policy helps ensure your family can maintain their quality of life.

  • Term life insurance is affordable and great for temporary needs like raising children or paying off a home.
  • Whole life insurance builds cash value over time and offers permanent protection.

Tip: American Heritage offers both term and whole life insurance policies at discounted rates. Call 215.969.2967 to schedule a personal consultation with a licensed expert.

 

3. Disability Insurance

Could your finances survive a loss of income due to an illness or injury? Disability insurance replaces a portion of your income so you can keep paying your bills even if you can’t work.

Tip: If your employer doesn’t offer disability coverage, consider a private plan to supplement your income in case of a long-term illness or accident.

 

4. Homeowners or Renters Insurance

Your home is likely your biggest investment. Homeowners insurance covers structural damage, personal property, and liability claims. Renters insurance protects your belongings and personal liability if you’re leasing.

It’s crucial to note the difference between homeowners insurance and mortgage insurance. Homeowners insurance protects any damage to your home or personal property, while mortgage insurance protects your lender in the event you default on loan payments. If you place less than a 20% down payment on your home, mortgage insurance will be a piece of your monthly mortgage payment until that 20% is met.

Tip: As an American Heritage member, you can save on home insurance through our partnership with TruStage® and Liberty Mutual. Get a free quote online or call 888.380.9287.

 

5. Automobile Insurance

From everyday commutes to summer road trips, car insurance is required in most states and essential for protecting your finances in the event of an accident. Nearly every state requires car liability insurance as part of your auto policy, and the same is typically true for motorcycle or RV insurance.

You also may want to consider Uninsured Motorist Insurance. This type of coverage will protect you and your passengers if you are harmed in an accident by an uninsured driver or are the victim of a hit-and-run incident. Uninsured Motorist Insurance generally covers both bodily injury and damage sustained to your vehicle.

Tip: Through our TruStage® Auto Insurance program, American Heritage members get access to customized, affordable policies. Plus, ask us about GAP insurance and Mechanical Breakdown Protection to further safeguard your vehicle investment.

 

6. Long-Term Care Insurance

As we age, our potential need for long-term care grows. This coverage helps pay for services like in-home care, assisted living, or nursing homes, services not typically covered by health insurance. While this type of insurance may not be needed immediately, be sure to reconsider it as you regularly check in on your coverage.

Tip: American Heritage can help with long-term care insurance and hybrid policy options. Call 215.969.2967 to explore coverage that suits your future needs.

 

Other Kinds of Insurance

While these six types are some of the most common and important types of insurance, there are lots of other aspects of your life you may want to insure. This could include your business if you’re an entrepreneur, your pet, or even jewelry. Work with your insurance provider to go over the details of adding these elements into your policy or a new policy. If you’re comfortable with the deductible and want to be sure you’re covered, chances are it will be worth it!

 

Bonus Tip: Review and Adjust Regularly

Life changes, and your insurance should, too. Whether you’ve moved, welcomed a baby, started a new job, or bought a car, take a moment to review your coverage at least once a year. National Insurance Awareness Day is a great time to do so.

 

Protect What Matters with American Heritage

As your trusted financial partner, American Heritage Credit Union is here to help you make informed decisions and get the coverage that fits your lifestyle. From health and life to auto and home, we connect you with affordable, dependable insurance solutions tailored to your needs.

Ready to review your insurance policies? Whether you need to protect your home, your family, or your future income, we’re here to help. Explore insurance options with American Heritage Credit Union today and feel confident in your financial safety net.