Fraud & Identity Protection

Your account and its security are of the utmost importance to us.

Keep Your Personal Information Safe From Identity Thieves

Identity thieves are increasingly using telephone and online scams to steal personal & banking information. When you receive a phone call, text message, or email from Island Federal, how do you know it’s legitimate? In situations when we contact you, Island Federal representatives will not ask for:

  • Debit/credit card number
  • Debit/ credit card PIN
  • Mobile verification number
  • Bank statement
  • Online banking password


If you ever have any concerns over the legitimacy of a phone call, text message, or email from Island Federal, you can call our Contact Center directly at (631) 851-1100 to speak to an Island Federal representative. We work with numerous organizations to ensure our fraud prevention methods & technologies are up-to-date and that your information is safe & secure.

Protect Yourself Against Holiday Scams:

Helpful resources regarding ways to protect yourself this holiday shopping season:

Scam Alert: Lapse of Home Warranty Coverage Letters

  • Letters documenting Island Federal as the home lending institution are being mailed urging the recipient to call a number about a lapse in their home warranty.

    How did the senders get my information?

    At Island Federal, we are committed to protecting our Members’ personal information. Likewise, we do not sell or otherwise distribute it to non-affiliate third parties.
    However, some information about mortgages, regardless of what lender the consumer works with, is public record. That is how scammers like this can obtain your contact information. Note that the Customer ID does not match your Member ID which is a good indicator it is a scam. 

    What should I do if I get this letter?

    The best thing to do is disregard the letter. Dispose of it however you would any other junk mail you receive. In addition, you are always encouraged to contact us directly should you have questions or concerns.

Counterfeit Official Checks

  • Official Checks claiming to be drawn on Island Federal Credit Union are being distributed via multiple mailing sources, (USPS, FedEx, DHL UPS). If you believe that you may be the recipient of one of these checks please destroy it immediately.

Up-to-Date Security/Scam Issues

Helpful Resources About Fraud

ATM Safety Tips

Check ATM before Use

If the part in which you insert your debit card looks loose or damaged, do not insert your card. This could be an indication that a skimming devise has been attached to the ATM machine.

Protecting your PIN Number

When entering your pin number at the ATM, make sure to use your hand as a shield to prevent others from seeing your pin.

Check for Cameras

If you notice that there are cameras near or pointing to the ATM machine, avoid use.

Plan Ahead

If you decide to use a drive-up ATM, make sure you plan ahead and know what kind of transactions you're going to make. Sign checks prior to your trip so you can easily deposit them.

Drive-Up ATM

When using a drive-up ATM, keep your car running and make sure your doors are locked. Leave enough room on all sides of your vehicle so you are able to escape if an emergency arises.

Be Aware

Take note of your surroundings. If you feel uncomfortable or happen to see someone watching you, make your transaction and leave. If you feel like you're being followed either call the police or head to a police station.

Check your Statements

If you see any transactions on your bank statement that you did not make, call us immediately at 631-851-1100.

Don't Be the Next Victim of Fraud

Help us protect you!

Keep our members’ accounts safe and secure is a top priority at Island.

  • You receive a check or money order in response to something you sold online.
  • You have any reason to suspect that a check or money order you receive is not valid.
  • The check is drawn on an account that is different from the person buying your item.
  • The amount of the check or money order is more than the item’s selling price.
  • The check or money order is connected to someone you only communicated with by email.
  • You are informed that you were the winner of a LOTTERY, that you did not enter.
  • You receive commission for facilitating money transfers through your account.
  • You are asked to open an account as a result of a job offer you received online.
  • If the check or money order is later returned, you will be held liable for the bad check.
  • We are not able to tell you when a check or money order you deposit will clear.
  • Even when we lift a “hold” on funds from a deposited check or money order, that does not mean the item has cleared.
  • If funds are to be held by a third party, or escrowed, be sure it is a party you can trust.
  • Remember: always exercise extreme caution when conducting
    business with strangers.
  • If an offer sounds too good to be true, it probably is.
  • Never provide your online banking credentials to anyone.
  • Trust your gut feelings – when you have a bad feeling about an offer or a company.
  • If someone asks you to deposit a check or money order and then wire them funds,
    this is definitely a scam.

To further learn how to avoid scams, protect yourself from Internet hackers and more, visit