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Helping you stay safe online. 

As with all banking transactions, whether in a branch, at an ATM or online, you should always be cautious to protect your identity. WestStar Credit Union has implemented extra security measures to protect your information. It is important that you do what you can to keep your information safe too.

Here are some tips to help you stay safe online:

  • Never respond to an email asking for personal or login information.
  • Always make sure that the site address listed in the address bar of your web browser is correct (i.e. when logging in.
  • Let us know if you receive a suspected fraudulent email: call us at (702) 791-4777 or (800) 729-9328 or email us at [email protected].
  • Review your credit report at least once per year for accuracy. You can receive one copy of your report free per year, using
  • To learn more about how to protect yourself from all kinds of scams:
    • Visit, a website launched by the Financial Fraud Enforcement Task Force
    • Visit the Nevada Department of Industry Fight Fraud website at
    • Don't fall victim to internet scam artists. Visit to learn how to protect yourself.

Weststar will never send you an email or text message asking for your online ID, passcode, or any other private or personal information.

ATM & Mastercard Debit Card Fraud Policy

To protect our members from fraud, WestStar Credit Union may block the purchase ability of the Mastercard Debit Card in foreign countries. If you plan on traveling outside of the United States, please contact us at 800-729-9328, so we can verify Mastercard Debit and ATM availability for your destination. 

Warning! Don't become the victim of a check scam.

If someone sends you a check or money order then asks you to deposit the item into your account and wire transfer money out of your account, watch out! You may become the victim of a popular scam.

How does the scam work?

The scam usually occurs when you are selling merchandise via the internet or conversing in various "friendship" Internet Relay Chat "rooms". However, other variations of the scam include:

  • Receive overpayment for an item you placed for sale over the internet.
  • Receive notice you have won a foreign lottery or sweepstakes.
  • Promise of receiving a percent of money for the transferring of money for the transferring of funds to your bank account for safekeeping, usually from outside the United States.
  • Inheritance from a recently deceased distant relative you had no previous knowledge of.
  • Unsolicited emails, faxes, or letters requesting an immediate response.

Regardless of the pitch, all scams involve you being contacted by individuals who agree to forward you a check or money order. After the item is deposited, you may be contacted and told an elaborate story and then asked to wire transfer back all or some of the money.

After you withdraw or wire the money from your account, it is then determined the check or money order you were given is a counterfeit. At this time, the check or money order will be returned to the credit union/bank unpaid and the full amount will be deducted from your account.

There are variations to this scam, but you need to stop and ask yourself a question: why would you wire money to a stranger you met through the internet or correspondence only?

For more information on check fraud visit


Who is responsible for the loss to my account?

You are responsible for the check(s) and money order(s) you deposit into your account. Only you can determine the risk of the business transaction you entered in. You were the one who made arrangements for the check to be sent to you. If the check or money order is counterfeit or is returned unpaid for any reason, you are fully responsible for any loss related to the bogus item. In most cases, the credit union/bank can immediately debit your account(s) or file litigation to recover the money.

Why did the credit union/bank allow me to withdraw the money?

Federal law required credit unions/banks to make deposited funds available to you usually within 1 to 5 business days. The fact that you can withdraw cash from your account shortly after depositing a check or money order does not necessarily mean the item you deposited is good. Counterfeit and bogus checks and money orders can sometimes take weeks to be discovered and returned to your credit union/bank unpaid.

Why didn't the credit union/bank know the check was bad?

At WestStar, our employees are trained to look for counterfeit items to prevent our members incurring a loss. Credit union/bank employees merely process check and money orders and in some cases cannot determine if the item is real or not. Remember, you are ultimately responsible for the items you submit to the credit union/bank.

If you believe you have been the victim of or are currently being solicited by a fraudster, contact your local police department immediately.

If you need more information or are the victim of one of these scams, please visit the websites below: