Fraud Alerts

APL FCU will never e-mail, call or text you asking for your account information. Members and non-members can report any suspicious activities by calling us at 443.778.5250.

November 2025 Fraud Alert – Fake Text Messages

We have received multiple reports the past few days of members receiving SMS text messages from fraudsters claiming to be from APL Federal Credit Union. The texts reference a charge from businesses like Walmart or Target, asking the member to verify whether it is legitimate or not.

When the member responds to the text message indicating they did not make the purchase in question, they then receive a call from the fraudsters who attempt to get the member to share personal and account information.

If you get a text or call that resembles this scenario, please refrain from giving out any personal information. You should hang up immediately and contact the Credit Union directly using our published number on our website (aplfcu.org). 

Please note that an APL FCU staff member will never call and ask you for your login credentials or your card numbers. If you are ever unsure if you are speaking to us and not a scammer, just hang up and call us back directly on our published phone number.

At APL FCU we have numerous fraud prevention measures in place, but you can assist us by keeping an eye on your accounts. 

 

Protect Yourself

If you are in doubt about any incoming emails or calls, refrain from giving any personal information and contact the Credit Union immediately at 443.778.5250.

Please note:  

  • APL FCU will never contact you and ask you to provide your online banking password or PIN.
  • If you receive a suspicious email claiming to be from APL FCU, please call us 443.778.5250 or email us at [email protected].
  • If you opened a questionable link and shared your login credentials, PIN or other sensitive information, please call the service center at 443.778.5250. 
  • Use a complex password—a mixture of capital and lowercase letters, numbers and symbols. Make sure it’s at least eight characters long. Never reuse a password. 
  • Monitor your accounts using our free alerts in Digital Banking and monitor your plastic card purchases with our Card Management tool.
  • If you receive a call claiming to be from APL FCU, but it seems suspicious, hang up and call the Credit Union directly. 

Please Note: Members should expect a call from APL FCU if they have requested a Wire Transfer.
If you are NOT EXPECTING a call from the APL FCU, please hang up call our call center at 443.778.5250

Are You Cashing or Depositing a check for any of these reasons?

  • ITEMS SOLD on the internet
    • Is the amount of the check more than the item’s selling price?
    • Is the check drawn on an account that is different from the person buying your item?
  • WINNING A LOTTERY you never entered
  • WORK-AT-HOME program
  • COMMISSION for accepting funds through your bank or other means

Have you been asked to:

  • RETURN some of the proceeds?
  • SEND some of the funds by wire or by Western Union?
  • SEND money overseas?
  • PAY MONEY to recover an inheritance?

Have you replied to an email requesting you to:

  • CONFIRM, UPDATE, OR PROVIDE your account information?
If you answered YES to any of the above, please inform an APL FCU Representative today.

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Remember, APL FCU will never e-mail, call or text you asking for your account information. If you are in doubt about any incoming calls, hang up the phone and call us. It is better to be safe than to give out any account or personal information.