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Fraud Alerts
Understanding Card Breaches.

We’re a strong advocate for our members’ account security.

All of your accounts and card transactions are monitored and secured by Proponent 24/7. However, when you make a purchase your payment data information is temporarily stored by the retailer. If that retailer experiences a data breach, this may cause your card to be compromised.


Recent retailer data breaches

Customers of the following retailers had their information exposed due to recent data breaches.

  • Saks Fifth Avenue: April 2018
  • Lord & Taylor: April 2018
  • Panera Bread: April 2018
  • Chili's: March/April 2018
  • Under Armour: March 2018


Data Breach Close

A data breach is a security violation which results in sensitive, protected or confidential data being copied, transmitted, viewed, stolen or used by an unauthorized individual. In the case of retailer data breaches, this often includes unauthorized access to payment card data.

Protect yourself from Scams

Don’t become a victim. Every year millions of people are defrauded thanks to clever crooks who use technology and age-old tricks to get people to send them money or provide them with your personal information. Make yourself aware of current scams by visiting the Federal Trade Commission (FTC) website.

SMS Guardian

Added Peace of Mind with Text Message Alerts

Enroll in SMS Guardian and receive text message alerts helping you to quickly identify possible fraudulent transactions. With SMS Guardian, you’ll receive a text message alert anytime your card is used Internationally, for any transactions over $100, for transactions where the card is not present, for usage out of state, and for any declined authorizations.

We advise you to be proactive in monitoring your account and to notify us immediately if you experience any suspicious activity or fraudulent transactions.


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9:00 A.M. – 12:00 P.M.

After Hours Support
Need to discuss with an advocate?
We’re here to listen at 800.457.8058.