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Enhanced 24/7 Fraud Monitoring & Support

We're pleased to let you know that we have enhanced our card & NPP (OSKO & PayTo) fraud support services with the introduction of 24/7 fraud monitoring and response.

Your Money is important to you. Protecting it is important to us.

Keeping your money safe is our priority. That’s why we’ve partnered with Vigil Intelligent Fraud Protection (Vigil) to provide 24/7 monitoring of Visa Debit Card and NPP (OSKO & PayTo) transactions.

We would like to remind our members, that LCU and Vigil Intelligent Fraud Protection will never ask for passwords, SMS OTPs or security codes.

If unusual activity is detected, you may receive a call or text to verify the transaction. If we’re unable to reach you, we may temporarily restrict your card or account until we can confirm the activity.

Always use contact details from our official website when responding to fraud alerts.

 

What to Expect 

Vigil will only:

  • Send a text message to confirm a transaction
  • This will be sent from +61 489 988 024 or +61 437 126 492.
  • It will only ask for Yes or No response or ask you to call 1300 705 750.

Vigil will never:

  • Ask for sensitive information like access codes, SMS OTP or internet banking passwords
  • They will never include links
  • Send messages for any other numbers

How Vigil May Confirm Transactions

For card or NPP transactions that are considered low risk and identified as suspicious, a 2-way SMS will be sent to you, where you’ll be asked to respond YES (the transaction is genuine) or NO (the transaction was not genuine).

The 2-way SMS will be sent to you from phone number +61 437 126 492 or +61 489 988 024 and will contain an example of the following messages:

 

Payment On Hold

“Your payment of AUD $xx.xx at HH:MM to xxxx from your card ending xxxx has been placed on hold.
Please confirm if the transaction was genuine by replying “yes” or “no”. Alternatively, call LCU Fraud Department on 1300 705 750”.

Payment Timed Out 

“As we did not hear back from you, a payment for AUD $xx.xx at HH:MM AM to xxxx from your account ending xxxx
has been declined and funds returned to your account. Please call LCU Fraud Department on 1300 705 750 before reinitiating the payment.”

Payment Confirmed 

“Your payment of AUD $xx.xx at HH:MM AM to xxxx from your account ending xxxx has been processed as per your confirmation.”

Payment Confirmed Fraud 

“Your payment of AUD $xx.xx at HH:MM AM to xxxx from your account ending xxxx has been declined and funds returned to your account.”

 

Remember

If we contact, you about suspicious activity

For your security, our team and Vigil Intelligent Fraud Protection will never ask for:

  • SMS One-Time Passwords (OTPs)
  • Internet Banking passwords
  • Security codes or login credentials

This information is not required to verify suspicious transactions.

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