The most common types of scams will target you through fake emails, text messages, voice calls, letters or even someone who shows up at your front door unexpectedly. No matter which technique the scammer uses, you may be:

• Pressured to give personal information (One time pass codes, account info)

• Threatened with law enforcement action

• Told to purchase gift cards and provide codes as a form of payment

• Asked to deposit a check that overpays for something you’re selling, then send the difference elsewhere

• The new TOPCU Digital Branch will offer rich credit reporting and credit management solutions with member score monitoring, credit utilization, and educational material. These solutions provide our members with powerful credit monitoring resources to assist in your financial wellness journey at no extra cost.

  How do members access/unlock savvy money?

  From the online dashboard click “unlock your credit score”

  1. Read the disclosure
  2. Click Continue

Don’t respond: If you’re not 100% certain of the source of the call, email or text, then hang up the phone, don’t click on the link in the email and don’t reply to the text message.

Don’t trust caller ID or answer phone calls from unknown numbers: If you recognize the caller ID but the call seems suspicious, hang up the phone. Phone numbers can be easily spoofed to appear to be from a legitimate caller.

Don’t give out your information: Never provide any personally identifiable information unless you’re absolutely certain the person and reason are legitimate. Remember: TOPCU will never ask you to send us personal information such as an account number, Social Security number, one-time passcode,  or Tax ID over text, email or online.

Research and validate: If the individual or organization seems suspicious, make sure the request being made is legitimate by calling the organization through an official number from their website or consulting with a trusted family member or friend.

If you feel you may have been a victim of a scam, Call or Text us at: (520) 881-6262, ext. 702 to learn more.

Shared Access

Shared Access lets you give other people permission to view and/or access to your account. You can control exactly what type of access you share by choosing certain from certain permissions. For example, you can choose to only allow a person to view the account, or you can allow them to make certain transactions. This is a good way to let a joint member, financial advisor, accountant or other designated person view your account using their own unique login credentials.

How to Set Up Shared Access

1. Log in to your Online Banking profile and click on the drop-down menu, at the top right, next to your name.
2. ​Click Settings.
3.  Click on the “Shared Access” tab, then click “Add a user.”
4. On the “Add user” page, enter all of the requested information for the person you want to give access to your account. You’ll need to enter the person’s First Name, Last Name and Email Address. You’ll also need to enter the person’s email address a second time in the Confirm Email Address field.
5. Under “Choose permissions,” select the accounts (shares) and level of access you want the person to have. Options include “View account” (see balances and transactions), “Transfer into” (add money from another account to the selected account), “Transfer from” (move money from the selected account to another account), and “Pay bills.”

If you want the person to have full access (able to do everything you can as the primary account holder), click “All permissions.” Once finished, scroll to the bottom of the page and hit “Save.”

1. Once you click “Save,” a new window will pop up asking you to confirm and invite the added user. Review the permissions to make sure they are correct, and then check the box next to the statement “I acknowledge one or more of these settings selected will allow the invitee to transfer money from my account/accounts.” Note that this “acknowledgment” disclosure will appear regardless of whether or not you elected to give the person permission to transfer money from your account.  Once finished, click “Confirm.”
2. After clicking “Confirm,” you’ll be brought back to the main Shared Access page. You’ll see an “Invitation Pending” notice at the top of the screen. Click on the pending invite to open it up. You will see a 6-digit confirmation code at the top. You must provide this number to the person you have given account access to. They will need the confirmation code to complete their registration (see step 8). Keep in mind the code is only good for 24 hours, so the person must accept their invite and complete the registration process within that time frame.
3. If you need to make any changes to access you have granted, you can also click on the pending invite and choose from “Edit user” (to change their name or email address), “Edit Account Access” (to change access permissions) or “Cancel Invitation” (to delete the shared access for this person).
4. When the person you gave access to receives the email invite, instruct them to click on the unique link. From there, they’ll be directed to a page with three options: “Log In” with the existing TOPCU login info, “Register” for a login or “Sign in as guest.” Instruct the invited user to select the appropriate option based on their relationship with the credit union.
5. On the next page, the invitee will be prompted to enter a Confirmation Code. This is the 6-digit code described in step 7 above, viewable from the “Shared Access” tab in your Online Banking account. You must personally give this code to the person you are granting access to. It will not be e-mailed to them.

In addition to entering the confirmation code, the person will need to fill in all the fields marked with the red asterisk, then click the “Continue” button at the bottom of the page. The system will then guide them through the rest of the process.

The new TOPCU Digital Branch will offer rich credit reporting and credit management solutions with member score monitoring, credit utilization, and educational material. These solutions provide our members with powerful credit monitoring resources to assist in your financial wellness journey at no extra cost.

How do members access/unlock savvy money?

From the online dashboard click “unlock your credit score”

1. Read the disclosure
2. Click Continue