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Fraud Prevention Tips


Fraud Prevention Tips


The Bank will never:

  • Call, text, or email you to ask for your Online Banking log credentials, password, secure access code, PIN, personal information, or token code.
  • Ask you to transfer money as part of an investigation.
  • Ask you for remote access to your computer or mobile device.
  • Send texts or emails that claim your account is locked, suspended or that threaten to close your account unless you click a link and provide account details.
  • Send texts or emails that claim your account has been hacked and that you need to send money to a new account we ’ve created for you.
  • Send Alerts claiming your online banking has been temporarily blocked to stop fraudulent use. The message typically states “Please visit at {URL} to opt out of message alerts. Reply stop. Messages & data rates may apply.”


How to report fraud or identity theft to Universal Bank

Immediately report it to us at 888.809.8282 or visit your local branch.


Other steps you should consider taking

  • File a police report.
  • Call the Federal Trade Commission (FTC) at (877) 382-4357.
  • Visit the Federal Trade Commission to file a fraud report or identity theft report.
  • Report fraud to the credit bureaus
  • Get a copy of your credit report.


Learn about your credit report and how to get a copy

Credit reports list a history of your finances. Learn how to request credit reports, what information they include, and how lenders and other organizations may use them.

By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies include Equifax, Experian, and TransUnion.

Visit for more information.

Corporate Hours & Info

3455 Nogales St. Floor #2
West Covina, CA 91792
(626) 854-2818
Monday – Friday: 8:30am-5:30pm
Saturday – Sunday: Closed

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Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that Internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your social security, account, PIN numbers, date of birth, etc...