Fraud Defense

 

Every day, thousands of people fall victim to fraudulent emails, texts, and calls from scammers pretending to be their financial institution. We want to change that. Our accountability is to our members. In the moments that matter, Envista is there for you.

Amid life's uncertainties, Envista stands as a pillar of trust and reliability, safeguarding your every moment with unwavering security and confidence. We’ve put together some helpful tips to educate and protect you. Ask us if you are unsure about a situation. We are here to help.

When in doubt, reach out.

 

 

How to Report Fraud

To report fraudulent activity on your account:

  • Call Envista at 785-228-0149  

To report fraudulent activity on your debit card or credit card:

  • During Business Hours: Call Envista at 785-228-0149  
  • During weekend or evening hours: Call Falcon Fraud Protection Center at 1-855-961-1602

If reporting fraud outside of business hours, please visit or contact Envista the next business day to get replacement cards and/or start any necessary dispute processes.

To report lost or stolen:

  • Credit Card: Call 1-800-991-4965
  • Debit Card: Call 1-888-263-3370
  • Money Order: Call 1-800-666-3947

If you suspect identity theft, take immediate action to limit damage.

 

 

Watch: How do Cybercriminals get my Information?

 

Top Tips for Fighting Fraud

  1. Do not share your Online Banking username, password or one-time passcodes. This is critical.
  2. Use alerts and notifications in Online Banking. 
  3. Be careful with your card information. Use your cards wisely and do not give out your security info unless you trust the merchant.
  4. Think before you click. Scammers often disguise fraudulent links in emails and text messages to steal your personal information. Always verify the URL by hovering over it before clicking if you're on a desktop, and when in doubt, go directly to the official website instead.

Fraud Red Flags

Take caution if...

  • They use urgent or fear-inducing language.
  • They request your information like one-time codes, Login ID, passwords and social security numbers.
  • They ask you to click on a link.
  • They use misspelled words and/or odd grammar.
  • They use spoofed phone numbers or email addresses to mimic financial institutions.
  • Someone you don't know is asking you to purchase gift cards, send a wire, purchase bitcoin, etc.
  • You're being asked to reinvest your money in bitcoin or send money elsewhere due to a "compromised account."
  • Someone is coaching you to withdrawal cash and tell Envista false information.

The first step to fighting fraud is to simply pause and evaluate.

Watch: Top 5 Red Flags

 

 

Protect Yourself from Identity Theft

Identity theft occurs when someone steals your personal information to commit fraud, such as opening accounts, taking out loans, or making purchases in your name. The consequences can be financially and emotionally devastating, making early detection and prevention essential. 

Watch: What is Identity Theft?

Signs of Identity Theft

Early detection is key to minimizing damage.

Watch: Signs of Identity Theft

Common Identity Theft Scams

We want you to be informed and prepared. We've put together a few resources to help you recognize the signs of fraud. Your financial security is our priority - watch our video series to remain vigilant and and learn how to protect your online accounts and personal information.

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Text Scams

Scammers disguise harmful links in text messages to appear legitimate. Their fake texts often claim to be from your bank, a shipping service or a government agency, urging you to take immediate action. Clicking on these links may install malware on your device or lead to phishing sites designed to steal login credentials.

Can you spot a scam text?

    

Account Takeover Scams

Commonly, account takeovers happen through phishing. This is when cybercriminals use misleading emails, social media posts, phone calls, texts, or DMs that lure you to click on a bad link, download a malicious attachment or share your information. If you take the bait, the hackers can get access to your device or account.

   

Imposter Scams

Imposter scams are a growing fraud tactic where scammers pretend to be trusted individuals—such as government officials, banks, or even family members—to steal personal information or money. Stay vigilant by verifying unexpected requests, avoiding urgent payment demands, and never sharing sensitive details with unknown callers or email senders. 

More about Imposter Scams 

Romance & Investment Scams

Romance and investment scams exploit trust and emotions to steal money, often through fake online relationships or fraudulent "too-good-to-be-true" investment opportunities. Protect yourself by verifying identities, avoiding unsolicited financial offers and never sending money or personal details to someone you haven’t met in person.

AI Scams

AI scams use advanced artificial intelligence to create fake voices, deepfake videos, and convincing messages that trick people into sharing sensitive information or sending money. Stay ahead of fraudsters by verifying unexpected requests, being cautious with AI-generated content, and using multi-factor authentication to protect your accounts.

Money Mule Scams

Money mule scams involve criminals tricking people into transferring stolen funds, often disguised as job offers, romance schemes, or “helping” someone in need. If you’re asked to move money for someone else, you could unknowingly be involved in fraud.

More about Money Mule Scams

Credit & Debit Card Fraud Scams

Credit and debit card fraud involves the unauthorized use of another person's card information to make purchases from their account or access their funds.

Card fraud occurs through a variety of channels: online scams, card or mail theft, and password harvesting are some of the most common.  Know how to defend yourself and rest assured Envista is continually monitoring for threats and suspicious activity. As a conscientious consumer, there are a number of things you can do to protect yourself as well.

Be Careful with Your Card Information

  • Carry only the cards you need so there is less for a potential thief to take and fewer cards you'll have to freeze if your wallet is lost or stolen.
  • Utilize mobile wallet as a card backup.
  • Shred documents containing personal information.
  • Never give your account number to anyone on the phone unless you initiated the call to a company you know to be reputable.

Use Your Card Wisely

  • Never sign a receipt leaving lines, such as the total, blank. The information on a blank receipt may be changed after you've already signed it. Drawing a line through any blank spaces may help.
  • Watch your card during a transaction and make sure you get it back.
  • Look for irregularities with an ATM, gas pump or other card reading device before using it, especially with the card slot. If it looks odd, it may be a skimmer used to capture your card information. If you notice it after you've inserted your card, alert the card issuer.
  • Be cautious when using your cards online. Only enter information on websites you're 100 percent sure are legitimate or use a third-party site when you can.

Set Travel Alerts

If you plan to travel internationally or domestically, you can add travel notifications as an added safeguard. Setting a travel notice provides our fraud monitoring notice that your spending habits will change. This allows you to continue to use your cards on your trip while alerting if transaction happen outside of your travel plans. Please call 785-228-0149 and be sure to provide the location and dates of your travel, including layovers if you'll have connecting flights.

Other Scams

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Lower Risk While Traveling

Travel increases the risk of identity theft due to public Wi-Fi, lost or stolen documents, and card skimming. Be prepared with these tips before you hit the road (or the skies.)

Watch: How to Lower Identity Theft Risk While Traveling

 

Here's How We're Protecting You

Using state-of-the-art fraud prevention systems, your account is monitored for fraud and unusual activity and you will be notified of any suspicious activity. We follow strict safeguards when mailing out cards and statements, and verify your identity whenever calling in. To be certain that we reach you quickly, please make sure we have your updated contact information. In addition, Visa's Zero Liability policy ensures that you won't be responsible for unauthorized charges to your account.

Envista has partnered with Falcon Fraud Protection to safeguard your debit and credit cards against fraud. Your card activity is monitored 24 hours a day, 7 days a week. If suspicious activity occurs, a text, email or call is made to the contact Envista has on file for you. It is extremely important for us to have a current phone number and email where you can be contacted. If you ever get a call from Falcon, know that they are doing their job to prevent potential fraudulent use of your card. They will ask you several questions to help identify you.

Please note that you will NEVER be asked to provide any of the following information via phone, text or email:

  • Your full card number
  • The expiration date on your card
  • Your card's PIN number
  • The CVC code on the back of your card
  • Your full social security number 
  • Your online banking credentials (login, password or one time passcode)

Frequently Asked Questions

 

Additional Resources

To learn more about identity theft and ways to protect your identity, please visit these resources: