Ring, ring. “This is Equifax calling to verify your account information.” Stop. Don’t tell them anything. They’re not from Equifax. It’s a scam. Equifax will not call you out of the blue.

That’s just one scam you might see after Equifax’s recent data breach. Other calls might try to trick you into giving your personal information. Here are some tips for recognizing and preventing phone scams and imposter scams:

  • Don’t give personal information. Don’t provide any personal or financial information unless you’ve initiated the call and it’s to a phone number you know is correct.
  • Don’t trust caller ID. Scammers can spoof their numbers so it looks like they are calling from a particular company, even when they’re not.
  • If you get a robocall, hang up. Don’t press 1 to speak to a live operator or any other key to take your number off the list. If you respond by pressing any number, it will probably just lead to more robocalls.

If you’ve already received a call that you think is fake, report it to the FTC.

If you gave your personal information to an imposter, call us immediately at 817-882-0800 to change account numbers or security questions. You may also want to change your account passwords. And if you’re concerned about identity theft, visit IdentityTheft.gov to learn how you can protect yourself.

For more information about the Equifax breach, visit Equifax’s website, www.equifaxsecurity2017.com  (This link takes you away from our site.) or contact their call center at 866-447-7559.

Article reproduced from original FTC article posted on September 14, 2017 by Lisa Weintraub Schifferle, Attorney, FTC, Division of Consumer and Business Education. https://www.consumer.ftc.gov/blog/2017/09/equifax-isnt-calling


On September 7, 2017, Equifax, one of three nationwide credit-reporting companies, announced a breach of its database potentially impacting approximately 143 million U.S. consumers. The information accessed includes names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. Equifax has established a dedicated website, www.equifaxsecurity2017.com, to help consumers determine if their information has been potentially impacted.

If your information is potentially impacted, you should be sure to regularly review all your financial account statements and credit reports to check for incidents of fraud. If you see any unauthorized activity, immediately report it to your financial institution. If you believe you’ve been a victim of identity theft, you should also contact law enforcement.

You are entitled to one free copy of your credit report from each of the three credit bureaus – Equifax, Experian, and TransUnion – once a year. You can order them online at www.annualcreditreport.com.

EECU also offers you these valuable member account protection services:

  • Sign up for Account Alerts to receive notifications by text or email for low balances, large transactions, account activity, and more. It’s easy to enroll – simply login to Online Banking, click on Additional Services, then choose e-Alerts & Text Banking to get started.
  • Sign up for Debit Card Fraud Text Alerts to receive text messages regarding potential fraud on your EECU debit card.
  • Add a password to your EECU accounts to ensure only you, and those authorized by you, can access your account information.
  • If you suspect fraud on your EECU accounts, call us immediately at 817-882-0800 or toll-free at 1-800-333-9934.
  • If your EECU credit card has been lost or stolen, please contact our 24-hour hotline at 1-800-442-4757.

And, if you have an EECU credit card or debit card, you’ll automatically benefit from ssecure/EMV chip technology that provides extra protection against fraud.

Questions? Contact us – we’re always here to help you over the phone at 817-882-0800, online at eecu.org or at any of our branch offices (find a location at eecu.org/locations).


Here are some additional sources to learn more about the Experian Data Breach:




Important Change – Faster Payments Coming

Starting September 15, 2017, the National Automated Clearing House Association (NACHA) is implementing “Same Day ACH Debits”. This means payments you make via ACH may post to your account the same day you authorize them. It also means you will be able to make easier on-time bill payments and recognize faster crediting when you move money between financial institutions.

To assist you, we have prepared tips and answers to frequently asked questions. If you need more information, please contact us at 817-882-0800.


Check your balance through online or mobile banking or by calling us or visiting a branch. If you go online or use mobile banking, make sure you look at the “Available” amount, not the “Balance”. The “Available” amount includes any debit or transactions that you make with a debit card that are on “hold” until the debit clears your account.

Make sure you have sufficient funds in your account to cover the transaction before making a payment so you don’t overdraw your account or incur an Overdraft or Nonsufficient Funds fee.

Sign up for Account Alerts to receive notifications by text or email for low balances, large transactions, account activity, and more. It’s easy to enroll – simply login to Online Banking, click on Additional Services, then choose e-Alerts & Text Banking to get started.


What is changing?

Currently, credit transactions are posted multiple times per day, while debit transactions are posted to your account once per day. Effective September 15, 2017, debit transactions will be processed multiple times per day as well. This includes paper checks converted by merchants to an electronic transaction.

How does this affect me?

In the past, payments may have taken a day or two to clear your account. Going forward, bills you pay or checks you write may post to your account the same day you authorize them.

(Checks you write are only affected if the receiving merchant or retailer opts to converts them to an ACH item.)

 What are the benefits of this change?

The switch to same day ACH debits will allow you to make easier on-time payments and enable faster crediting when moving money between financial institutions with whom you do business.

What are the drawbacks of this change?

The “lag time” or “float” between when you make a payment and when it posts to your account is being eliminated.

When will this take effect?

This change will become effective September 15, 2017.

Does this change apply to all credit unions and banks?

Yes, all financial institutions must comply with the new Same Day ACH Debit rules.

Will my direct deposit be affected?

No. Your direct deposit will be credited to your account on the normal posting date.

What is an ACH?

ACH or Automated Clearing House is an electronic network for financial institutions in the United States, and includes credit and debit transactions such a direct deposits and automatic withdrawals. It can also include paper checks converted by a merchant or retailer to an ACH item. These types of ACH transactions and clearing date are set by the payer or merchant, not EECU.

What is NACHA?

The National Automated Clearing House Association (NACHA) manages the development, administration, and governance of the ACH Network.

Have a question?

Call 817-882-0800 Monday through Friday from 8:00 am to 6:30 pm CT, and Saturday 9:00 am – 1:00 pm CT.

Chat online with a Member Service Representative at www.eecu.org  or send a secure email to Member Services through EECU online banking.

Stop by a local EECU branch for in-person assistance; branch locations can be found at eecu.org/locations.



The epic flooding and wind damage affecting our neighbors in South Texas are devastating. EECU encourages members who would like to help to do so by donating to the American Red Cross. EECU will donate $10,000 to help our neighbors in need and we are matching EECU employee donations up to an additional $2,500.  

The American Red Cross is helping the people affected by Hurricane Harvey in Texas and all across the Gulf coast. Shelters are open, truckloads of supplies are being distributed and volunteers in place. The American Red Cross is registered as a 501(c)(3) non-profit organization. Contributions to the American Red Cross are tax-deductible to the extent permitted by law.

Donate Now

You can also call 1-800-RED-CROSS or text “Harvey” to 90999 to make a $10 donation.

Thank you for your support and caring spirit. We know our neighbors affected by Hurricane Harvey greatly appreciate it.