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We are constantly monitoring credit and debit card transactions to identify and prevent fraud on your account. IAA Credit Union is committed to providing our members the best fraud-fighting tools to strengthen our defenses and help our members take immediate action against fraud. Should we identify suspicious transactions on your account, we will attempt to contact you about the activity via SMS, phone, or email to determine if a transaction was authorized.

Previously, you would have only received a personal call from an agent if fraud was suspected. With our new system, you'll receive an automated call that easily walks you through reviewing suspicious activity on your card. You may also receive text or email fraud alerts.

How Our New Automated fraud detection System Works

  • A text message and/or pre-recorded voice call may be sent to your mobile device when there is a suspicious transaction(s) identified. Simply reply to the text to confirm whether or not you recognize the transaction(s). If you do not recognize the transaction(s), you will receive a text asking you to call 888-918-7313 for further assistance. There will be a block placed on your card to protect you from further fraud until you call us. If you reply to the text that you recognize the transaction(s), your card will remain available for use.
  • If you do not reply to the text within 30 minutes, a pre-recorded voice call may be attempted to your mobile device and home number listed on your account. If you receive a pre-recorded call, please listen to the prompts provided to review and respond to the validity of each transaction that is presented during the call.
  • An email will also be sent to the address on file to confirm transactions on the account. You can also call us at any time to validate the transactions, or if you have any concerns about the message you received.
  • Please remember that we will never ask for account information, passwords, or other sensitive information via these unsecure channels. Our SMS fraud alerts only require a simple yes (Y) or no (N) reply. If you aren’t certain if the message is authentic, please contact us at 800-676-2541to learn more. 

Update current contact information here

How to update my contact information

Log into your online banking account, Click “Online Forms” in the top navigation>Select “Address Change Form.”>Update any fields that need changed and click the “Submit Button” at the bottom of the form. Please note. Any updates make take up to two business days to reflect in our records.


Members should be aware that, while IAA Credit Union does monitor fraudulent or suspicious account activity and may proactively contact a member about this activity, we will never call and ask for confidential information such as your entire, card number, account number or PIN. Contact 1-800-676-2541 or [email protected] if you have provided confidential information.


Fraud Alerts

This is not an application for mortgage.  Mortgage prequalification helps to determine if you meet the minimum requirements for a loan and how much home you can afford.  If the qualifications are met for the purchase price and loan terms you have listed you will be presented a pre-approval letter.  If you’re confident in your finances and are ready to apply now, you should complete a full application instead.

Continue to Pre-Qualify Now