Debit Card Fraud

To help protect your account and fight fraudulent activity, the Credit Union restricts debit card use to "PIN" based transactions only at certain retailers and foreign countries from time to time based on ongoing fraud. At this time, be prepared to enter your 4 digit PIN when running your card at all Wal-Mart locations and anywhere outside the US.

PIN based transactions are where the customer is present, types in their PIN and not their signature. At point of sale hit "Debit" and not "Credit".

If you do not know your PIN, please call us at 405-789-7900 so it can be reset.

Lost or Stolen Debit Card
If your ACU debit card has been lost or stolen, please contact us immediately at 405-789-7900 or you can call 1-800-791-2525 after hours, on holidays or on weekends.

For your convenience, you may also stop by any branch to request a new card and get it right on the spot. Your card will be activated and ready to use immediately.

If your card has been suspended for your protection due to suspicion of fraud, call 1-866-842-5208 to inquire about your debit card.

ATM Security

When looking for an ATM to use, choose one located in a well-lit area such as a store or lobby, and avoid standalone or unusual-looking machines. Before beginning your transaction, inspect the ATM for any signs of tampering. If something seems suspicious, particularly with the machine's keyboard or card slot, cancel your transaction and notify the owner of the ATM.

ATM Skimming:
The vast majority of ATM transactions are conducted safely and securely—in a few minutes, you can carry out your business and be on your way. But ATM fraud can and does happen. You can help prevent it by being aware of a scheme called ATM skimming. With ATM skimming, thieves attach electronic devices on or near ATMs in an attempt to capture your card number and/or personal identification number (PIN). Some point-of-sale (POS) terminals, handheld card scanners and self-service gas station pumps are also susceptible to skimming scams.

Other ATM Security Tips

  • Do not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify your credit union if it is lost or stolen.
  • Do not allow people to look over your shoulder as you enter your PIN. Memorize your PIN; never write it on the back of your card.
  • Never count cash at the machine or in public. Wait until you are in your car or another secure place.
  • When using a drive-up ATM, keep your engine running, your doors locked.


When you travel out of the state or country with your Allegiance debit card please ask the Allegiance Call Center at 405-789-7900 or 1-800-505-3328 option 0 to make a note about the dates and places you will be traveling.

For your protection, Allegiance monitors your debit card for fraud. If the system identifies transactions that seem different from your normal activity, we will contact you by phone for verification. If we can't reach you, a fraud specialist will leave a message. In some cases, where the activity is suspicious, a temporary block may be placed on your card to prevent anyone from using your card fraudulently.

By asking us to place a note on your account prior to your trip, you ensure continued access to your account. By providing your cell phone number, you ensure we can reach you if we have concerns about your card.

Protect Yourself

Make sure you keep your contact information current with Allegiance Credit Union and any other financial institution where you bank so you can be contacted quickly in the case of suspicious activity on your accounts. This includes your cell phone number, email and mailing address. Monitor your accounts frequently with ACU mobile Apps, online banking, and text alerts. Contact us immediately at 405-789-7900 if you see any usual transactions on your account.

Signs That You May be a Victim of Identity Theft:

  • Unsuspected rejection on a loan
  • Receiving past due notices on Credit Cards you did not open
  • Receiving past due notices on Loans you do not have
  • Being contacted by collection agencies for bad checks you never wrote
  • Receiving a confirmation letter from the US Postal Service about mail forwarding that you did not request
  • Charges on your account you do not recognize

Phone Calls:
If you receive a call from someone saying they’re from Allegiance Credit Union and they ask personally identifiable information such as your social security number or account number, hang up and don’t give it to them! The only time Allegiance Credit Union asks for personal information is when the Call Center Member Representative receives your call and needs to verify your identity before proceeding. If you receive a suspicious call, hang up and call us immediately at 405-789-7900.

If you receive what seems to be an email from Allegiance Credit Union that requests you to click on a link and provide personal information, don’t do it. We will never email you to ask for your personal information. However, be aware of confirmation emails from us (or other institutions) wanting to confirm that you’ve made changes to your accounts--especially if you did not make them (email, phone number, address, etc.). This could be a case of an account take over.

Add Kasasa Protect™:
For simple and easy defense against fraud and identity theft, add Kasasa Protect to your Allegiance checking account. It’s comprehensive and affordable protection that includes lost wallet protection, credit monitoring, identity restoration services, and more. Enjoy more peace of mind, 24/7. Learn more about Kasasa Protect and activate this line of defense today.

Has Your Identity Been Stolen?

If your ID has been stolen, you need to take action in defending your reputation right away. The Federal Trade Commission has great resources to help you understand what to do next.

Here are important actions you need to make immediately to prevent further damage:

  1. Contact the three major credit bureaus and request a fraud alert be placed on your file
    • Equifax - (800) 525-6285
    • Experian - (888) 397-3742
    • Trans Union - (800) 680-7289
  2. Order copies of your credit report to find out if any fraudulent accounts have been opened in your name
  3. Contact Allegiance Credit Union and your other financial institutions (by phone and writing) to report the crime and monitor your accounts