Fraud & Security

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Important Information About Fraudulent Text Messages

We are aware of fraudulent text messages appearing to be from Keesler Federal that are being sent to members and non-members in our service areas. The texts come in a wide range of messages. These are not from Keesler Federal Credit Union. Keesler Federal will never ask for personal information in an email, unsolicited phone call or text message. The scammers do not have member account information. The criminals target phone numbers in geographic areas where people are likely to use a particular financial institution. Other financial institutions have also been targeted.

If you get one of these texts, do not click the link in the text. Please take a screenshot of it and email it to [email protected]

If you clicked the link, monitor your account. If you see something suspicious on your account or if you provided personal information after clicking the link, contact Keesler Federal by visiting any branch or call us at 1-888-533-7537.

Your Online Security is Very Important to Us

The more you do online, the more important it is to take online security seriously.
Below are tips, suggestions and links that can help you better understand how to protect yourself while online and on your mobile device.

Remember, Keesler Federal will never ask for your personal information in an email or unsolicited phone call or text message.

How to Identify Suspicious Transactions

Keeping a close eye on your purchases and transactions makes good sense.

If you discover an unfamiliar or unusual transaction in your account, consider these common causes:

  • • Another account holder made the transaction without your knowledge
  • • You did not receive a purchased item or service
  • • You were charged the wrong amount or more than once for a purchase
  • • You are still being charged for a cancelled service or subscription
  • • An expected credit to your account was not received. Before calling Keesler Federal, take the time to identify the issues that you may be able to resolve yourself. Very often, these solutions are fast and easy fixes to your account.
  • • Confer with other joint account holders to identify all charges in question. Keep an open line of communication on all account activity
  • • Check receipts for accuracy, especially those with tip amounts.
  • • Call the merchant in question as it may be their error. Most receipts or statements have contact information. Note that many merchants operate under other names and addresses different than where you made the purchase

If you determine the transaction is truly unauthorized, contact Keesler Federal at 1-888-533-7537 or visit any branch to open a claim. Please have all necessary documentation available at the time of the call or branch visit.

IMPORTANT: The transaction must have actually posted to your account for Keesler Federal to take action and cannot be pending.

Security is serious business

Here’s how we help protect you against fraud and keep your information safe:

Keesler Federal has designed our online banking platform with safeguards to prevent security breaches. The first line of defense is Secure Sockets Layer or TLS protocol. TLS uses three means to ensure security:

  1. Data Encryption – this technology scrambles the information to prevent other computers along the route from eavesdropping. All they see is a meaningless jumble of bytes.
  2. Digital Certificate – our site has a digital certificate from Verisign. When you connect to our secure site our computer sends your browser the digital certificate to ensure that you are in fact connecting to our site.
  3. Message Authentication Code – this technology provides a way for our computer to verify that the data was not changed from when it left your computer until it was received by our server.

We also take additional measures to ensure your security:

  1. Password Protection –  No one can access your account without knowing your account ID and password. If more than three attempts are made to access your account with invalid passwords your account is frozen from home banking access.
  2. Firewall –  Our site is protected by firewalls and other safeguards to prevent unauthorized individuals from accessing our systems. These mechanisms are tested and validated regularly to ensure they meet best practice industry standards.

Visa Secure is a free and easy way to enjoy added security to all your online Visa Card purchases. Learn more about Visa Secure.

What do you do if…?

If you are a victim of any of the following, here’s what to do:

You can help us and your fellow Keesler Federal members by forwarding suspicious and fraudulent emails to [email protected]. When you forward a Phishing email to this address, it is instantly analyzed for fraud. If fraud is found, takedown procedures for the websites linked in the emails are initiated. In the majority of cases, it is member action that initiates the process of shutting down these scam artists.

Keesler Federal appreciates the tremendous response we have received from our members, non-members and various organizations in reporting the fraud emails.

Keesler Federal will never ask you to provide information directly through email. At times, members may be asked to confirm details via email or text to confirm activity by clicking a secured link sent directly by our fraud center. If you receive a suspicious email requesting personal information, please call us at 1-888-533-7537.

What is Phishing?
Phishing is a computer-related scam that uses email, pop-up messages or cell phone text messages to deceive you into revealing your credit card numbers, credit union account information, Social Security number, passwords or other personal information. The email or cell phone text message may claim to be from a business or organization you deal with such as your Internet service provider (ISP), cell phone service provider, credit union, federal agency or state agency. These messages usually take an urgent tone asking you to “update” or “validate” your account information immediately or face consequences. If you click the link included in the email, you may be taken to a website that looks like an organization you are familiar with, but is in fact a fake. If you call a number in the cell phone text message, you may be asked to enter personal or account information, but it too is scam.

The Federal Trade Commission (FTC) has recommendations for avoiding being taken in by a Phishing scam. Among them:

DO NOT reply or click links included in email requesting personal or financial information. Legitimate organizations don’t ask for sensitive information via email. Keesler Federal will never ask for account information in a text.

DO NOT reply to cell phone text messages requesting personal or financial information. Legitimate organizations don’t ask for sensitive information via text message. At times, members may receive a text asking to verify activity from the phone number 96923, which is our fraud center. This is ONLY to verify debit card activity, do not send any personal information via text message.

DO NOT email personal or financial information. Unlike secured web connections such as Keesler Federal Everywhere Account Access, email is not a secure method of transmitting personal information.

If you are concerned about your account, contact the organization by phone or by typing a Web address (URL) you know to be genuine into your browser. The only web address for Keesler Federal is

Review financial account statements as soon as possible to determine whether there are unauthorized charges.

Report suspicious activity to [email protected] and the FTC.

The Federal trade commission has recommendations if you have become a victim of Identity Theft. These recommendations are outlined below. For detailed information visit the FTC’s ID Theft Website.

  1. Contact any one of the three major credit bureaus to place a fraud alert in your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts. The fraud alert is on your credit report for a period of one year and can be extended by calling the credit bureau. You may request a free copy of your credit report at
  2. Close the accounts that you know or believe have been tampered with or opened fraudulently. Use the ID Theft Affidavit when disputing new unauthorized accounts. Contact Keesler Federal’s Member Contact Center at 1-888-KEESLER.
  3. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
  4. File your complaint with the FTC. The FTC also has valuable information on what steps need to be taken after identity theft has occurred.

Additional Resources

Security Tips & Tools

Learn how to avoid scammers and keep your identity safer using these tips & tools from

Identifying & Avoiding Cyber Threats

NCUA (National Credit Union Administration) has put together an informative video series on cyber threats.