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ELGA Alerts Blog

Member Alerts and Web Safety

December 13, 2022 - Active Mobile Text Scam Alert

We have received a report that a message was sent to a mobile device claiming to be from ELGA Credit Union saying that a new device has signed into "your ELGA CU Bank Account" and directs clicks to visit 'My Site' to secure the account. This is a scam. Please do not click on this and report it to ELGA Credit Union directly at 810-715-3542

  • 12 days of Holiday Scam Tips

Don’t let scammers steal your joy this holiday season. Below are 12 tips to keep you protected this holiday season.

  1. Online Job Application: With Christmas comes gift giving, and it may be tempting to apply for an online job for some extra cash. A job application will never ask for your bank account or log in information. If they do it is a scam.
  2. Holiday SMiShing: The scam involves text messages made to look like official alerts from retailers regarding packages or deals that seem too good to be true. Sign up for text/email/phone notifications through your credit union or other verified sources to receiveimmediate transaction alerts.
  3. Don’t give Santa too much information.If you are sending a letter from Santa to your child, make sure the website is a trusted source. You might be giving valuable, personal information to a phisher who will use it against you.
  4. Shipping Notification Scams: Think twice before clicking links in shipping notification emails and always verify the shipping company before giving out your personal information.
  5. Avoid paying for items with pre-paid gift cards. In these scams, a seller will ask you to send them a gift card number and PIN. Instead of using that gift card for your payment, the scammer will steal the funds, and you’ll never receive your item. 
  6. Chilling Charities: Sometimes scammers may create fake names of organizations to get you to donate money,or they may reach out to you via phone/email/text posing as someone working for a legitimate charity. Never give your money to anyone immediately who approaches you or reaches out on behalf of any organization without doing your own independent research.
  7. Watch your wallet.Keep a close eye on your money and watch for mall pickpockets, credit card skimmers and dishonest cashiers. Also, consider carrying only the credit cards you need, leaving them at home when not needed.
  8. Check each website’s URL to make sure it’s legitimate and secure. A site you’re buying from should have https in the web address. If it doesn’t, don’t enter your information on that site.
  9. Bank Robocall Scam: If you receive a phone call or text claiming to be from your credit union and asking for personal or financial information,call your credit union directly to verify the request before providing any info.
  10. Romance Scams: Be aware of “sweetheart scams” where a stranger reaches out with a claim of romantic interest, and then eventuallyasks for your money or financial information.
  11. Car Wrapping: Make sure gifts are the only thing you’re wrapping this holiday season -- online advertisements for car wrapping is one of the biggest scams we see! Be wary of any company soliciting car wraps for cash.
  12. iScams: Today, smartphones not only act as a phone, but also a credit card, house key, camera, and more. Malware can access your device via apps, so do your research and stick to official app stores to download.


August 9, 2022 - Mobile Scam Alert

Please exercise caution in any circumstance when someone requests your personal information, such as your username, password, credit card number, and/or CVV number. Never reply to any calls or texts asking for personal or financial information. Contact ELGA Credit Union directly at 810-715-3542.

For more information about how you can determine a scam, visit:


January 11, 2022 - Michigan Catastrophic Claims Association (MCCA) Scam Alert

The Michigan Department of Insurance and Financial Services (DIFS) is encouraging consumers to be on the lookout for scammers who may try to exploit the recent announcement that Michigan drivers will be receiving refunds from the Michigan Catastrophic Claims Association (MCCA) in 2022.

Important to note: Your MCCA refund check or ACH deposit will come directly from your insurer, and you will not have to take any action to receive it. Never give out personal information to a caller claiming to be from your insurance company.  Click here for the full press release from DIFS


January 7, 2022 - Scams the FTC wants you to know about

The Federal Trade Commission has put out some tips on how to avoid being defrauded, and how to report scams to the government. Some of the common scams to be aware of are:

  • Social Security scams: Some fraudsters pretend to be from the Social Security Administration and attempt to trick you into giving out your social security number, or even money.;
  • Phishing: Be highly suspicious of any unexpected emails or text messages. Delete these messages, and never click on links, especially from unknown senders. Beware of generic greetings like "Hi Dear" or "Dear Valued Customer." 
  • Unemployment benefit scams: Claims for unemployment benefits by imposters have been reported. Report fraud attempts to your state's benefits agency.
  • Phone scams: Be aware of phone calls from unknown numbers, and from anyone asking you for personal information over the phone. Never send cash or pay for something with a gift card over the phone. Some scammers might even pretend to be law enforcement to scare you.


  • If it seems too good to be true, it's probably a scam.
  • If you feel pressured to make a quick decision, that's the right time to stop the conversation.


ELGA Credit Union is committed to protecting our members by providing Computer Safety Education through DDI Frontline and letting you know of current online risks and scams. 

Click here for FREE online training, articles and quizzes!