FAQs

Phishing is the act of contacting an individual falsely claiming to be an established legitimate enterprise in an attempt to scam the individual into surrendering private information that will be used for identity theft. The communication directs the user to visit a link, call a phone number, or respond in a specific way where they are asked to update personal information, such as passwords and credit card, social security, and account numbers that the legitimate organization already has. The contact method, however, is not legitimate and set up only to steal the user’s information.

TN Members 1st will never contact you directly to request any of your account information, including:

• Social Security Number
• Credit or Debit Card Numbers
• Security Code or CVV
• PIN – Personal Identification Number
• Address
• Date of Birth
• Online Banking Login Information
• Verification Codes
• Passwords

If someone contacts you and requests this information or your account details by phone do not share any information and hang up immediately. Likewise, if you receive an email, website pop-up, or text with a suspicious link – stop and think before you click. You can always contact the credit union back at 865-482-4343 to both report the potentially suspicious activity and verify if there was a valid request for information.

We have partnered with one of the nation’s most trusted names in Identity Theft Protection to provide our members with a comprehensive Identity Theft Research, Remediation and Recovery Service. Members automatically receive basic coverage of Fully Managed Recovery Services; however, opportunities for additional coverage are available. As a member of TN Members 1st, your fully Managed Identity Theft Recovery Services cover all types of identity fraud, even if it is not related to your accounts with us! This could include credit or debit card fraud; tax, employment, benefits, or medical fraud; government documents; and any other identity fraud recognized by the Federal Trade Commission. If you suspect identity theft for any reason, know there is a professional standing by to analyze your unique situation, develop a plan of action, and work with you one-on-one to restore your identity to pre-theft status. Visit your local branch, send us a digital banking message, or give us a call at 865-482-4343 to let us know if you suspect identity theft.

If you feel you have been a victim of identity theft you can also contact the FTC’s Identity Theft Hotline toll-free at 1-877-IDTHEFT (438-4338); by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; or online.

If your wallet has been lost or stolen, take the following actions:

• Call the three major credit reporting agencies (Equifax: 1-800-525-6285, Experian: 1-888-397-3742 and Trans Union: 1-800-680-7289) and ask them to immediately place a Fraud Alert on your name and Social Security number. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.
• Notify the SSN national fraud hotline at 1-800-269-0271.
• Cancel your credit cards.
• File a police report the same day, if at all possible, in the jurisdiction where your wallet was stolen.

For any accounts specific to TN Members 1st FCU:

• Contact the credit union and a Member Service Representative will be happy to assist you with options that best fit your situation. Sometimes, we can simply get you a new card, other times, it's best to close the compromised account and open a new account. As of February 2024, both of our branch locations are equipped to print contactless cards available to members in a matter of minutes. 
• Log in to your digital banking and click ‘Support’ on the left-hand navigation menu for customer service and fraud support phone numbers. If you don’t have digital banking, please contact the credit union.