local: 989.892.4597      toll free: 800.968.7696      email: info@ubccu.org
United Bay Community Credit Unione-Banking
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In effort to help our members from falling victim to these schemes, we have created this section of our site. We will provide information regarding recent and common scams and fraud schemes that we are aware of.

You will also find information below on what to do in the event that you have or believe you have been a victim of a scam.

UBCCU will never send you an e-mail or text message requesting account information. We have all your account information on file. If you contact us, we will ask you for certain information to ensure your identity.

Recent Scam Reports

The listing below contains scams that UBCCU has become aware of that could potentially affect our members. Please be aware that this is not a comprehensive list, and that you should always be alert and ask yourself "does this make sense?"


Originally Posted 2/2/2015

Recently there have been reports of phone calls from someone claiming to be from the IRS. The caller makes threats regarding past due payments and attemps to get you to give up personal and banking information. Remember, the IRS will not make initial phone calls, the do not request personal information by phone, and will not demand payment over the phone. This is a phone scam. If you recieve one of these calls, hang up and contact the IRS or State Police.


Originally Posted 12/27/2012

UBCCU has been alerted that some of our members have received a text message that states:

The Credit Union Center Alert: Your Card has been DEACTIVATED. Please call 202-802-7208.

UBCCU will not contact members via text messaging for issues relating to card fraud and/or card deactivations. If you received this text message or a text message like this, please do NOT call the number on the message, or respond to it.

View the full list

What to do if you fall victim to a scam:

  • Contact UBCCU at (989) 892-4597 or 1-800-968-7696. Representatives will be able to assist you in protecting your UBCCU accounts.
  • If you use E-Banking, log in immediately and change the password
  • Contact your local police department or law enforcement agency and inquire about filing a report.
  • Report suspicious contacts to the Federal Trade Commission (FTC) at: www.ftc.gov/idtheft or call 1-877-IDTHEFT.
  • If you have disclosed sensitive or personal information, we recommend you contact one of the three major credit bureaus and inquiry about placing a fraud alert on your file. This will help prevent imposters from opening accounts using your information. Below are the telephone numbers for the fraud divisions at each bureau:

Experian: 888-397-3742

TransUnion: 800-680-7289

Equifax: 800-525-6285



Check Your Credit Report

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Fraud Glossary


For additional information on protecting yourself and your accounts - check out the Articles Archive


Mission Statement
The mission of United Bay Community Credit Union is to be our members' primary financial
institution, providing them with quality, confidential, professional and personal service, while
maintaining a sound and stable credit union.