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We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

Friday, March 15: the Kirtland CU branch on KAFB is CLOSED. We apologize for any inconvenience. Please visit our nearest Gibson branch for assistance.

Our Gibson branch will have a delayed opening on Thursday, May 2. 

All other branches will have normal operating hours, and Online and Mobile Banking are available for your banking needs.

Kirtland Credit Union will never ask you to provide, update, or verify personal or account information through an unsolicited email, phone call, or text message. If you receive an unsolicited email, phone call, or text message, DO NOT RESPOND. Notify us at (505) 254-4369 or 1-800-880-5328.

Concerned about how a government shutdown may impact you? Call us at 1.800.880.5328 to discuss your needs.

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‘Tis The Season for Scammers: 3 Steps to Spot Charity Fraud

By Kirtland Financial Services

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For many people, the holiday season is when you enjoy family and friends and give a little back to those in need. Charitable giving is its highest during the holiday months. While many legitimate charities are out there looking for support, there are also scammers looking to take advantage of the holiday goodwill. Not sure whether a charity you want to contribute to is on the up-and-up? Below are a few steps you may take to see if the charity is fraudulent.

Step 1: Do Your Research

The first place to start is with a bit of research. In many cases, this may be the only step you need to identify the validity of a charity. Check out one or more organizations that help verify charity information, such as Charity Watch, BBB Wise Giving Alliance, and Charity Navigator. These organizations will provide you with some insight into the charities and how their funds are spent.1

Step 2: Look at Their Payment Method

There are many ways to give money easily and securely to charity. Many charities will accept a check, credit card, or money transfer method, such as PayPal. These are all reasonably secure methods of sending money and have some recourse against fraudulent transactions. If a charity is fraudulent, it will likely ask for less conventional payment methods such as cash, wire transfer, gift cards, or virtual currency.1

Step 3: Look for Potential Red Flags

Once you have researched and verified their payment method, look for any other possible red flags before agreeing to contribute. Most fraudulent charities will have one or more red flags you may not think of until you look closer.1

Red Flags to Look Out For

Scammers may use all kinds of tricks to get you to give them money, but some of the most common danger signs include:

  • Not Providing Documentation for a Charitable Contribution: If the charity is legitimate, they will provide you with paperwork proving the status of their charity and your tax-deductible contribution.
  • Pressuring or Rushing You to Make a Decision: You shouldn’t feel rushed into contributing and shouldn’t feel pressured to do so or afraid not to. If you get this feeling, end the conversation.
  • Using a Name Close to the Name of Another Charity: If the charity asking for the donation sounds familiar, but the name is slightly different, there is a good chance it is a scam. Scammers will use similar names, hoping you don’t realize the difference.
  • Claiming That 100% of Proceeds Goes to Charity: All charities have overhead costs so that they are able to operate, so if the person is claiming 100% of your contribution will go to the charity, the charity is likely a fraud.2

1 How To Spot A Charity Scam, Business Insider, https://www.businessinsider.com/10-ways-to-spot-a-charity-scam-2011-5

2 “VERIFY Fast Facts: 4 ways to spot charity donation scams,” WFAA, https://www.wfaa.com/article/news/verify/scams-verify/4-ways-to-spot-charity-donation-scams/536-ad41a2d0-f92a-44a4-8c37-0bd5add680f6

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy.

This article was prepared by WriterAccess.

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Not NCUA Insured or Any Other Government  | No Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Kirtland Federal Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services.

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