Fraudsters use all sorts of methods to steal information and gain access to your accounts — including pretending to be from Patelco or another financial institution. It's rare that we will call you, and if we do, we'll never ask for any of the information below. Beware of requests coming in via text message and email too — those are other ways that fraudsters are stealing information.

Print out or bookmark this page so you have a handy reference that will alert you to fraudsters.

12 things we'll never call (or text) and ask

While we may contact you regarding an account issue or to ask if you made a particular card transaction, we will never contact you out of the blue and ask for any of these 12 things — ever.

  1. card PIN
  2. Social Security number
  3. Member Number
  4. date of birth
  5. online banking User ID
  6. online banking password
  7. any code sent to your phone or email (such as a 2FA code)
  8. the CVV (3 digits) on the back of your card
  9. your full account (MICR) number
  10. personal information, like how long you've been a Patelco member
  11. your mailing address
  12. your email address 

Calls to you vs. calls to us

Remember that you can always make a call to us at 800.358.8558 and know that you are talking to the right person. When you call us (or card security), we might ask you some verifying questions including the information above — but we will never call you and ask for that information! When in doubt, hang up and call us.

Because of the increase in spoofed caller ID, it's possible that the fraudsters may even appear to be calling you from a Patelco phone number. But if they call you and ask for any of the 12 pieces of information above, you can be sure it's a fraudster. When in doubt, hang up and call us.

Don't let fraudsters pressure you

Fraudsters know we're more likely to give up sensitive information if we feel threatened, pressured, or afraid. Beware of any threats to "immediately" close your account or block your card if you don't provide certain information. When in doubt, hang up and call us.