You get a text about suspicious activity on your account.
Or a call asking you to verify a transaction.
It feels urgent. It looks real. And it puts you on the spot to act quickly.
So how do you know if it’s actually your credit union reaching out or a scam?
As fraud attempts become more sophisticated, knowing what to look for can help you respond with clarity and confidence.
Why It’s Getting Harder to Tell
Fraudsters are getting better at mimicking legitimate messages.
They can use phone numbers that look like they belong to your financial institution, send texts that resemble real fraud alerts, and create a sense of urgency to push you to act quickly.
In some cases, they may even have bits of your personal information, making the message feel more convincing.
The goal is simple: get you to share sensitive information or move money before you have time to think.
What Real Communication from Red Rocks Looks Like
When Red Rocks Credit Union reaches out about potential fraud, our priority is helping you protect your account, not putting you at risk.
Here’s what you can expect from us:
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We may contact you about suspicious activity, ask you to confirm whether a transaction is valid, and provide guidance on next steps if fraud is suspected.
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We will never ask for your full account number, online banking password, or PIN.
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We will never request one-time passcodes or verification codes, pressure you to move money to another account, or ask you to stay on the phone while withdrawing cash or making transfers.
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We will never ask you to mail your debit or credit card or arrange to have it picked up.
If a message or caller does any of these things, it is a red flag.
Common Scam Scenarios to Watch For
These situations are becoming more common and can feel very real in the moment.
“Fraud Alert” Texts
You receive a message asking you to click a link or reply with personal details to stop a transaction.
What to do: Avoid clicking the link. Instead, log in to your account directly or contact us at 303.471.7625.
Calls from “Your Credit Union”
You get a call that appears to come from a legitimate number, asking you to verify account details or provide a code.
What to do: Hang up and call us back using the number on our website or your card, or contact Member Services at 303.471.7625.
Urgent Requests to “Protect Your Money”
Someone instructs you to move your funds to a “safe account” to prevent fraud.
What to do: Pause. This is not how fraud protection works. Your funds should never need to be moved to stay secure.
Simple Ways to Stay Protected
A few small steps can make a big difference.
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Pause before responding to urgency. Scammers rely on quick decisions, so take a moment.
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Use trusted contact methods. Reach out through Red Rocks’ official phone number at 303.471.7625, email at support@redrocks.org, or on our Contact Us page at https://redrocks.org/contact
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Never share verification codes. These are meant for you only.
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Review messages carefully. Look for unusual wording, unexpected links, or requests for sensitive information.
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Set up account alerts to stay informed about activity in real time.
When in Doubt, We’re Here
If something doesn’t feel quite right, trust that instinct.
Our team is here to help you verify communications, answer questions, and take action if needed. You don’t have to navigate these situations alone. You can always reach Member Services at 303.471.7625 for support.
At Red Rocks Credit Union, protecting your financial well-being is part of how we help you move forward with confidence every day.
Visit redrocks.org/fraud for more tips and resources to keep your accounts secure.