Member Protection & Education

Keep your personal and financial information safe.
Card breaches


Social distancing has increased the popularity of online dating. As a result, fraudsters have been breaking victims’ hearts and their finances.

Watch this video to learn more about how these scammers try to get serious.

For more information on what you need to know about this Romance Scam visit the Federal Trade Commission’s website.


Spoofing is when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity.

There are three main ways scammers use spoofing:

  • Phone Cloning – Using similar or exact numbers of companies you know.
  • Sweet Talking – Claiming to be a helping hand to gain your trust.
  • Password Swiping – Requesting your login credentials to provide assistance.

Proponent would never call to ask for your Digital Banking information.

Click the image to watch this short video for more details.

To learn more about spoofing and how to avoid being scammed click here:


This is how it works: you receive a call from someone claiming to be a bail bondsman, a lawyer, or a member of law enforcement. That person tells you that your grandchild or other loved one is in trouble and in need of money. You are directed to withdraw a large amount of cash and told that a courier will pick up the money from you at your home.

If you receive this type of call, remain calm and resist the pressure to act quickly. Get as much information as possible, including the phone number, if possible, of the caller. Hang up and call a family member to verify the information or call a trusted friend to ask for help.

For additional details visit the FBI’s website:

Checks From The Government

In March, the President and Treasury Secretary announced a plan to send Americans checks of up to $1,000 in the hopes of stimulating the economy. Before it’s implemented, there are three very important things to know to avoid getting scammed:

  1. The government will not ask you to pay anything up front to get this money
  2. The government will not call to ask for your Social Security number.
  3. These checks aren’t a reality yet. Anyone telling you they can get you the money now is a scammer.

For more information on these scams, visit the Federal Trade Commission’s website.
Call member support immediately at 800.457.8058 if you’ve encountered this type of activity.

Don’t fall for the “GET PAID TO DRIVE” scam.

You may have seen the notices claiming claiming you’ll receive $250-$350 a week just for driving around with an advertisement wrap or sign. If you say yes, they’ll send you a check to deposit into your account. Then, ask you to spend some of it on a so called “specialist” who will put the wrap on your car. You would then deposit that amount directly into the “specialist’s” bank account. This is definitely a scam as determined by the Federal Trade Commision.

If you think you’ve been a part of activities like this, call member support immediately at 800.457.8058.

Beware of vishing scams out to get your personal information.

Imposters posing as “Security Officers” call to ask you to confirm suspicious transactions on your account. They attempt to verify your information by asking for a login ID and Secure Access Code (SAC). As a reminder, PROPONENT WILL NEVER CALL YOU TO ASK FOR THESE DETAILS.

If you believe you’ve encountered this type of activity, call member support immediately at 800.457.8058.

We’re a strong advocate for financial education and account security.

This page is a reference for added protection, education and awareness. All of your accounts and card transactions are monitored and secured by Proponent 24/7.

We’re in this together.

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Account Security Tips

Learn how to protect yourself from fraud.

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Improve Your Credit Score

A few easy steps you can take to increase your credit score.

Keep track of recent data breaches.

When you make a purchase using a card, 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. Financial institutions can also fall victim to data breaches. Customers of the following retailers and financial institutions had their information exposed due to recent data breaches.

  • Wawa Data Security Breach December 2019
  • Zynga – Words With Friends: October 2019
  • Moe’s: September 2019
  • McAlister’s Deli: September 2019
  • Schlotzky’s: September 2019
  • Capital One: August 2019
  • Sonic Drive-In: August 2018
  • Saks Fifth Avenue: April 2018
  • Lord & Taylor: April 2018
  • Panera Bread: April 2018
  • Chili’s: March/April 2018

What is a data breach?

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.

Tap to learn about account security.

Improving Your Credit Score

Resources, like consumer credit counseling, are available to assist you. If you are overwhelmed by your credit situation, seek professional assistance. You can locate a credit counseling agency through the National Foundation for Credit Counseling.