Fraud Defender

We understand that identity fraud is rampant and simply cannot be completely prevented.
In fact, we know that the only way to protect against identity fraud is to be prepared for it to happen.

To ensure our valued members can recover from any identity fraud event, Beacon provides Fully Managed Identity Fraud Research, Remediation and Recovery services to all members as a complimentary benefit. If you become a victim of or suspect identity fraud for any reason, our new program will help.

  • Professional Recovery Advocates to fully manage your case

  • Covers all types of identity fraud – both financial and non-financial

  • Extends to three generations of your eligible family members

  • Lost Document & Card Replacement services

You do not have to enroll or activate these recovery services. However, if you would like to purchase additional proactive monitoring services, these packages outline the extra benefits that you would receive.

Fraud Watch Alerts

As an additional feature to help our membership detect potential fraud, we offer text alerts for fraud monitoring on Beacon Debit Cards*.

Fraud Watch, our fraud monitoring system, is constantly working to detect suspicious activity on your Beacon Debit Card. When a suspicious transaction is detected, Fraud Watch will contact you to verify. This quick detection of unusual activity provides you with an extra layer of security, so you can rest assured we’ve got you covered.

Text message alerts come from 20-733 (format of number dependent on carrier and device)

  • Make sure we have your current contact information so you can be reached if fraudulent activity is suspected.
  • In addition, contact us when you plan to travel.  This helps avoid potential blocks on your debit card.

If a charge on your account seems suspicious, our system sends a text message with details about the suspect transaction.

  • Simply respond YES to confirm the transaction, or NO to flag it. If it’s flagged as a fraudulent charge, you’ll receive another message for follow-up.
  • Text message service runs from 8:00 am to 9:00 pm in the cardholders’ time zone.  If you have an email address on file, you will be automatically signed up for email alerts that will cover notification 24 hours per day.


Activities that may trigger a text:

  • Purchases out of state. (Be sure to tell us if you’re traveling, so we can flag your card.)
  • Transactions with a larger dollar amount, or a series of larger dollar amounts, than you typically spend.
  • Purchases at a store you haven’t frequented or visited in the past.

Keep in mind that you may not receive a notification each time you find yourself in one of these situations. Fraud Watch predicts the probability of fraud by comparing current transactions to current fraud trends, and reaches out when something seems suspicious.

It’s easy to sign up – just call (800) 762-3136 or visit your nearest Member Center location.

*Messaging and data rates may apply.  Check with your cellular provider.

Card Restrictions

Due to increased fraudulent activity, Beacon Credit Union has placed the following restrictions to Beacon Debit Card ATM Card transactions from the following countries/areas:

No transactions are permitted:

Estonia
Mexico
Moscow
Netherlands
Nigeria
Pakistan
Romania
Russia
Thailand
Turkey
Ukraine
United Republic of Cameroon
Vietnam

PIN based transactions accepted only:

Canada
China
Cypress
United Arab Emirates
France
Great Britain/United Kingdom
India
Japan
Korea
Malaysia
Norway
Spain
Sweden
Switzerland

If you have any questions concerning ATM or Debit Card Fraud or  restrictions, please call our Contact Center at: 1-260-563-7443 ext. 0.

Report Fraudulent or Suspicious Activity

Contact us immediately at (800) 762-3136 or visit your local Beacon Credit Union branch location if you suspect you have fallen victim to a social engineering attack and have disclosed information concerning your Beacon Credit Union accounts.

Regularly monitoring your account activity is a good way to detect fraudulent activity. If you notice unauthorized transactions under your account, notify Beacon Credit Union immediately.

To learn more about information security, visit any of the following websites:

OnGuardOnline.gov
StaySafeOnline.org
BBB.org
US-CERT.gov

Report Lost or Stolen Debit & Credit Cards

Beacon Debit Card

To report a lost or stolen Beacon Debit Card, call: (800) 762-3136
After business hours and weekends call: (833) 337-6075 ((614) 564-5105 for those traveling internationally)

Beacon Visa Credit Card

To report a lost or stolen card call: (800) 558-3424
Representatives available 24 hours a day, 7 days a week.

Beacon Business Visa Credit Card

To report a lost or stolen card call: (800) 552-8855
Representatives available 24 hours a day, 7 days a week.

Platinum Equity (HELOC) VISA

To report a lost or stolen Platinum Equity Visa card, call Card Holder Services: (800) 449-7728
Their office is open during the following days and hours:
Monday – Friday • 8:00 a.m. – 6:00 p.m.
Saturday • 9:00 a.m. – 12:00 noon

Customer Service: (855) 510-0948

Customer Dispute Address:
Customer Service
PO Box 31112
Tampa, FL 33631-3112

Security Tips

You’ll find educational articles designed to help prevent you from becoming a victim of fraud, as well as contact information if you suspect your account has been compromised.
Be sure to check out our Identity Theft Prevention video to learn tips & tricks on how to keep your identity secure while using e-mail, the telephone, and the internet.