Scammers are pretending to be from agencies like the FTC, IRS, FBI, Apple, or even MHVFCU, using calls, texts, pop-up messages, or letters to claim seniors' accounts are in danger. They use scare tactics, saying there are charges from 'adult' websites and federal investigators are involved. They pressure seniors to withdraw large amounts of cash and wait for a "courier" to pick it up at their homes.

• The scammers will instruct seniors not to tell any credit union staff what the money is for, advising them to give a false reason such as ‘home improvement’ or a family member’s name.

• They may ask seniors to stay on the phone while withdrawing cash at the branch, instructing them to keep the phone hidden.

• After convincing them, the scammers direct seniors to withdraw large sums and wait for a ‘courier’ or ‘fraud agent’ to pick up the cash at their home for deposit into a new account.

If you receive a message of this nature, it is crucial that you DO NOT CALL OR CONTACT the scammers on the phone numbers or links that they have provided. Additionally, do not read back or text back a one-time code or download an app that gives someone else access. Instead, contact us directly at (845) 336-4444 or visit a branch location. 

Scammers can easily manipulate Caller ID to make it appear as though they are calling from your credit union. They may also call you repeatedly, attempting to intimidate you into believing them. Remember, do not engage with the scammers.

Remember: Mid-Hudson Valley Federal Credit Union, or any financial institution, government agency, or reputable company, will NEVER ask you to withdraw large sums of cash, send a courier to your home, or not speak with our staff.