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U1 Internet Banking
Additional Fraud Alerts

Spoofed Websites
(June 2, 2021) There has been an increase in spoofed websites (fake websites made to look authentic) being sent to end users asking them to log-in with their Online Banking credentials. In this scenario, bad actors would then harvest the user’s real login credentials if the end user logs into the spoofed site, and may potentially defraud them.

It is important to only login to Online Banking via trusted links either provided directly by U1 or those saved as bookmarks on your browsers. 

There is also a phishing campaign that asks users to download a fake Windows application on their computers which is later used for malicious purposes. U1 will never ask you to download additional applications onto your machines.

Big Tech Company Phone Scams 
(May 21, 2021) Scammers are calling people and using the names of two companies everyone knows, Apple and Amazon, to rip people off. Scammers may leave a voicemail asking you to take specific action or they give you a phone number to call. Don’t do either. It’s a scam. They’re trying to steal your personal information, like your account password or your credit card number. Find out from the Federal Trade Commission what you need to know about these calls (full article).

Vehicle, or VIN, Cloning Schemes
(April 9, 2021) Vehicle cloning is a sophisticated crime that involves criminals gathering legitimate vehicle identification numbers (VINs) from legitimately registered vehicles from parking lots, dealerships, and even on the streets. They take a digital photo of the VIN plates under the windshield (some VINs are located on the pillar of the driver’s side doors), then create counterfeit VIN plates for stolen vehicles illegally sold. Members have been victimized by unknowingly purchasing stolen vehicles funded with credit union loans. Authorities seize the stolen vehicles upon discovery andeventually return them to their rightful owners, leaving the member with no vehicle and an unsecured loan. Read the full Risk Alert from CUNA. 

PayPal, Microsoft and other Credential Theft Phishing Scams
(September 14, 2020) Beware of fake login pages that look like they could come from real companies. These fake login pages are used in phishing emails as a way to steal personal information. Make sure to double-check the URL of a page you're logging into and believe to be legitimate, especially if you arrived there from an email link or attachment. Visit for more information on this scam. 

FTC & FDA Coronavirus Scam Warnings
(April 2, 2020) Be on the lookout for various Coronavirus scams circulating. We've compiled a list of scams that the FTC and FDA have identified. Learn more here

Lonely Hearts Scams: Scammers Target Online Dating & Social Media Networking Users
(January 23, 2020) Millions of people, including credit union members, look to online dating or social networking sites to meet someone. But instead of romance, many unknowingly find a scammer. Cyberspace scammers are eager to take advantage of lonely hearts by setting up fake accounts on social media or dating sites to establish fraudulent relationships and get them to send money. In fact, the median loss of romance / sweetheart scams as reported by the Federal Trade Commission (FTC) is $2,600 and for people over 70 was over $10,000. Full article here.

Tornado Scams: Contractor Scammers Targeting Homeowners
(June 6, 2019) It may feel urgent to begin rebuilding and repairing your home from the recent tornado damage as quickly as possible, but before signing any sort of contract, you'll want to be sure to follow these steps to avoid complications or being scammed. Read the full article here

Home and Office Router Security: VPNFilter Malware
(June 14, 2018) The United States Computer Emergency Readiness Team (US-CERT) recently sent out an alert identifying that foreign cyber actors have compromised thousands of home and office routers worldwide. The actors used VPNFilter malware to target small office/home office (SOHO) routers. The malware is able to collect intelligence, exploit local area network (LAN) devices and block actor-configurable network traffic. Read the full article here.

Equifax Cybersecurity Breach
(September 8, 2017) Due to the recent breach of Equifax Cybersecurity, we encourage all members to closely monitor their accounts for suspicious activity.  If you notice anything irregular, please contact our eCommerce department at 937-225-6800, option -0-, or 800-762-9555, option -0-.  For more information on the Equifax breach you can visit, as well as

Ransomware Cyberattack: Petya/Petrwrap malware
Preventive measures for ransomware

(June 30, 2017) The current ransomware outbreak associated with the Petya/Petrwrap malware family is similar to the recent “WannaCry” cyberattack that will encrypt files on a computer, rendering them inaccessible unless a ransom is paid. You should continue to be aware of email phishing and non-reputable websites. Read the full article here.

Ransomware Cyberattack: “WannaCry”

?Preventive measures for ransomware

(May 16, 2017) The serious cyber threat called “WannaCry” has impacted many organizations worldwide, so it’s important to be aware of this issue and watch for malicious activity to mitigate the risk of an attack. Read the full article here.

Google Docs Phishing Scam
?Phishing Scam Targets Gmail Accounts

(May 4, 2017) A phishing email attack targeting Google users impacted organizations and individuals across the country. Reports indicate that Google has shut the attack down, but not before as many as 1 million users were affected. Read the full article here.

NCUA Warns of Fake Check Scams
?Consumers Should Be Vigilant and Avoid Depositing Checks from Unknown Parties

ALEXANDRIA, Va. (April 10, 2017) - Consumers should be on the lookout for fake check scams, the National Credit Union Administration warned today after receiving numerous inquiries from consumers. Read the full article here.

If you have any questions or concerns about emails, websites or unsolicited calls related to Universal 1, please email our Compliance department at You can also call our eCommerce representatives at 800-543-5000 option 0 or 937-431-3100 option 0.
We're available Monday - Friday 9:00 a.m. to 6:00 p.m. and Saturday 9:00 a.m. to 12:30 p.m.

937-431-3100 Opt. 0,

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