Beginning May 1, 2025, one-time passcodes sent to your phone or email for online transactions made using your SCCU Credit and Debit cards that exhibit higher levels of risk will now include more transparent, detailed information to help you better verify purchases.
Please become familiar with the new one-time passcode experiences below that now include merchant and purchase amount:
Text:
Email:
This change is part of our efforts to better protect your transactions and provide a modern experience. As a reminder, one-time passcodes are personal and unique to your online transaction. Never share it with anyone who calls you, texts you or emails you to ask for the code. Keep in mind that your financial institution will never ask you to share a one-time passcode with them.
We appreciate your understanding and cooperation as we work to improve your security and transaction experience.
FAQs
When will OTP be enabled?
- OTP will be enabled on May 1, 2025.
What are the benefits for cardholders?
- Fraud Protection: Cardholders gain an additional layer of security during online transactions.
- Ease of Use: OTP provides a seamless and user-friendly authentication process within the merchant’s website or app.
- Sense of Security: Seeing transaction-specific details in OTP messages, such as purchase amounts, reassures members that their credit union is proactively protecting them.
How does the informed OTP message enhance security?
- The new OTP solution includes transaction-specific details, such as the purchase amount. This feature helps prevent scams by making it clear that the OTP is for completing a specific purchase, reducing the likelihood of cardholders sharing their OTP with fraudsters.
What OTP delivery methods are available?
- Members will be enabled with SMS and Email delivery methods. However, clients have the option to opt out of email delivery if desired by contacting the credit union.
Questions? Ask Us!
E-Mail a Member Service Representative at memberservices@sccu.net.