Security Tools

Protect your Identity and Financial Information

As a reminder, SFCU will never call, text, or email you asking for your personal, account or security information. Never provide your account/member number, social security number, username, password, or verification code to anyone who says they are from the credit union and contacts you requesting this information.


Steps to Protect You from Card Fraud.

Credit and debit card fraud statistics are up, and much of the fraud comes from criminal activities we can’t control. But safeguarding your cards – and identity – from risk of exposure starts with keeping constant control of your cards, your numbers, and any other details about your financial information.

Make good habits and stop bad ones to minimize your risk with the following tips:

  • Sign your cards
  • Skip easily recognizable PINs (Personal Identification Numbers) and Online Passwords
  • Routinely check your credit report for errors and unauthorized accounts at
  • Switch to e-statements and pay your bills online
  • Before traveling, notify your ATM / Debit & Credit Card issuer of the location and time frame to account for changes in your card use “out of pattern” purchases
  • Review online accounts frequently
  • Be cautious of someone contacting you, asking for personal information and stating they are from your financial institution
  • Report card loss
  • Report your card fraud to the authorities
  • Report change of address directly to your financial institution

For Lost or Stolen Credit Card please call 800-449-7728 or 989-684-1730

Routing and transit Number 272476983

Fraud Management

Fraud Alert:

Update 9/24/2022

This week, we have been notified by several members who have fallen victim to fraud involving email and phone phishing attacks.  Be wary of any unsolicited email or phone call from persons purporting to be an SFCU representative, IRS Employee or Computer Tech Support who ask for your personal information, debit/credit card information or electronic banking credentials (login).

Sunrise Family Credit Union employees will NEVER call, email,or send you a text message asking for your Homebranch login, account, full Social Security Number or Debit/Credit Card numbers, the number on the back (CVV) or expiration date.

Our Card Fraud Detection Center may contact you on behalf of SFCU to verify unusual transactions. The Card Fraud Detection Service will NEVER ask for any account information, electronic banking login (user name/password) information, full card number, expiration date, or three digit security code on the back of the card.  They will give you the last four digits of the card they are calling about. They will ask you to verify specific transactions. They may ask for the last four digits of your social security card and your address.



We have heard several reports from members who received calls from scammers. They call claiming to be associated with Sunrise Family Credit Union. Please be aware this is a phisher scam with no caller ID to identify them. DO NOT give them any money, bank account information, debit card or credit card information! If you have questions or concerns please Call SFCU Member Services at 989-684-1730 or 800-589-1079. Your safety is important to us.



Debit/ATM Card and PELL Grant Scams

We value all of our members and their financial well-being. It is important that we also keep you informed of active scams that are taking place in our area. Please be aware and prepared if anyone should approach you on either of the following:

Giving or Selling Your Debit/ATM card. If anyone approaches you about giving or selling your card, it is a scam. They may make you think that you are helping someone out, but they are not. Once they have obtained your card it will be used to make fake deposits and real withdrawals to your account. We don’t want you to encounter any of these issues or the losses.

PELL Grants. Although PELL Grants are legitimate grants used for education, there is a scam taking place where individuals are notified they are eligible for a PELL Grant. The scammers request you send a sum of money to a specified location and provided your account number and online banking information in order to put the grant back into your account. PELL Grants are solicited to individuals. The only way the grant is given is if the person actually applies to receive it.

Please use caution and alert authorities if you are approached for either of these scams, they can both cause significant financial losses.

If you have questions or concerns, please contact Sunrise Family Credit Union 989-684-1730 or toll free 800-589-1079


Micro Tech Support Phone Scam

We have heard several reports from members who received calls from scammers. They call claiming to be Computer Techs associated with well-known companies such as Microsoft. They say they've detected viruses or other malware on your computer to trick you into giving them remote access to your computer or paying for software you don't need.

DO NOT let them have remote control access (remote into your computer), DO NOT go to any website they direct you to and DO NOT give them any money, bank account information, debit card or credit card information!

If you have allowed them to take control of your computer, or you have downloaded their "FIX" software, it is possibly they have infected your computer, stole your personal information or bank account information.

If you believe that your computer or personal information may have been compromised, contact us immediately to secure your SFCU Account and change passwords.

Call SFCU Member Services at 989-684-1730 or 800-589-1079

Card Services at 989-671-6022 

SFCU Security Tips

Because we care!

Protecting your information

Your identity is one of your most valuable assets. Sunrise Family Credit Union is committed to teaching our members how to prevent, detection, fix and report fraud and also identity theft.

"Warning- do not include your  non-public personal information, that information sent via email may not be secure.

Tips on Keeping yourself safe on the Internet

Member Complaints on any linked websites:

Please contact a Member Service Supervisor via email for any questions or concerns use

or send mail to: Sunrise Family Credit Union, 404 S. Euclid Ave., Bay City, Michigan 48706.

Protect Yourself

Prevention is the most critical element in avoiding fraud.

  • Shred anything that contains your name, address or other sensitive information before discarding - including invoices, receipts, statements, personalized letters, catalogs and pre-approved credit offers. Use a cross-cut shredder for the best results.
  • Protect your Social Security number! Do not carry your Social Security card in your wallet. Avoid carrying cards that display your Social Security number such as health insurance cards, unless needed to receive care.
  • Use only trusted websites for online transactions. Do not provide credit card numbers or personal information on any website if you are not sure the site is authentic. Choose companies with secure transactions and strong privacy and security policies. A good detection is a website with "secured locks" in the corner of the website.
  • Check your credit reports as frequently as possible - at least twice a year. Under the FACT Act, U.S..... consumers are entitled to one free credit report each year from each of the three major credit bureaus.

Detection Tips

Despite all efforts to prevent identity fraud, it can still occur. The earlier it is detected, however, the more quickly we can help you take action to stop it. Be alert and take immediate action on the following:

  • Bills that do not arrive as expected
  • Unexpected credit cards or account statements
  • Denials of credit for no apparent reason
  • Calls or letters about purchases you didn't make

Fixing Procedures

Correcting the fraudulent activity is the final step.

  • Close any accounts that have been tampered with
  • Contact our Member Service Office at 989-684-1730 or 800-589-1079  immediately if you suspect fraud
  • Keep detailed records of the incident

 Online Safety

Learn More


Sunrise Family Credit Union Contact Information

If you suspect or notice any suspicions account activity or experience any information security related problems or events with Sunrise Family Credit Union you should immediately contact us at the following:

Sunrise Family Credit Union- 800-589-1079


To Report Lost or Stolen Cards:

  • Debit Cards 1.800.754.4128

  • Credit Cards 1.800.449.7728 

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