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Routing # 307086691 | Wiring Instructions

Security Center

Learn how you can recognize and protect yourself from fraud and scams

Your Security Matters at WyHy

At WyHy, safeguarding your security and protecting your account informatoin is our upmost priority. We have implemented robust security measures and adhere to federal regulations to ensure the privacy and confidentiality of your personal data. 

Report Fraud 

If you suspect that you have been a victim of suspicious activity, please do not hesitate to contact us at 800-442-2392

Recent Scam Alerts

We are always looking out for fraud and scam attempts.

Recent Fraud Examples: 

December 2023 Example:

Some members have encountered scams, particularly through enticing advertisements on social media. These scams often involve seemingly incredible deals on items like Stanley cups, products from Big Lots, or Bath and Body Works. Unfortunately, clicking on these ads redirects our members to fraudulent websites.

As we enter the holiday season, your cybersecurity is more crucial than ever. We urge you to exercise caution when shopping online. Before clicking any links, double-check the URLs for legitimacy. If a deal seems too good to be true, take a moment to manually type in the website address rather than clicking on the provided link.

Additionally, we recommend consulting the Better Business Bureau (BBB) website for a comprehensive list of known scams. Some of our members have reported finding fraudulent websites listed there, serving as an additional layer of protection against potential scams.

October 2023 Scam Example:

We've been alerted to potential fraudulent sites and SMiShing texts mimicking WyHy.

  • ALWAYS make sure you're logging into wyhy.org ONLY!
  • BEWARE of texts claiming to be from WyHy that ask for personal or financial information. We will never ask for sensitive information via text.
  • NEVER provide your personal or financial info on any other URLs or respond to suspicious texts claiming to be us.

If you see a text like this:

  • Delete the Text: If you receive any suspicious text, delete it immediately.
  • Do NOT Respond: Avoid engaging with the scammer.

August 2023 Scam Example: 

We've detected a concerning scam targeting our community. Fraudsters are sending deceptive text messages impersonating WyHy, attempting to steal personal information. These texts are targeting 307 phone numbers. 

How to Spot the Scam:

The text may claim to be from WyHy or a similar variation.
It could mention urgent account updates, rewards, or suspicious activities.
The message may ask you to click a link or provide sensitive details.

Protect Yourself:

  • Do NOT click on any links in unsolicited texts.
  • Do NOT share personal, financial, or login details through text messages.
  • Contact WyHy directly using official contact information to verify any communication.

What to Do:

  • Delete the Text: If you receive any suspicious text, delete it immediately.
  • Do NOT Respond: Avoid engaging with the scammer.

July 2023 Scam Example: 

  • Fradulent Texts:
    • "You have added a new BillPay payee to your account"
    • "Your account is blocked because of recent debit card transactions"
    •  "Access to your account has been restricted for security reasons"

Brand Impersonation Scam: WyHy has recently discovered a widespread brand impersonation campaign that is affecting several credit unions and banks. In this campaign, individuals are being targeted with smishing text messages that falsely claim to be from their respective financial institutions. WyHy, in particular, is among the institutions being impersonated. These deceptive messages can take various forms, such as reporting a fraudulent charge or requesting a password reset.


Online shopping scams continue to pose a significant threat to members. These scams often take advantage of shoppers by offering enticing deals and promotions on popular products. Fraudsters create fake websites, counterfeit listings, and use deceptive tactics to lure individuals into providing personal and financial information. Whether it's unbelievably low prices, fake testimonials, or imitation branding, these scams prey on our desire for a good deal. Stay vigilant, stay informed, and shop smart to avoid falling victim to these online shopping traps.

Learn More 


Security Resources 

Protect Yourself From Fraud

To ensure the security of our members, we want to provide some important recommended guidelines:

  • Be cautious of unexpected texts or clicking on links. We strongly advise members to avoid clicking on any links or responding to texts that you weren't expecting. If you have doubts about the legitimacy of a text, we encourage you to directly contact WyHy using our direct number - 307-638-4200 or 800-442-2392. It is crucial to never use the contact information provided within the unexpected text message itself.
  • Filter unwanted texts. Members should check if their phone offers features to filter and block spam or messages from unknown senders. This helps in reducing the risk of receiving unwanted and potentially fraudulent texts. For more information on how to block unwanted calls, please refer to this Federal Trade Commission's resource.
  • Never give your personal or financial information in response to a request you didn't expect. We want to remind our members to never disclose personal or financial information in response to unexpected requests. Legitimate organizations will not contact you via phone, email, or text to ask for sensitive details like Social Security numbers, account information, or credit card numbers.
  • Stop and talk to someone you trust. We urge our members to pause and talk to someone you trust before taking any action. By discussing the text with the credit unin, a friend, family member, or neighbor, you may gain valuable insights that help you recognize it as a scam.

Please remember that your security is of utmost importance to us. If you have any concerns or further questions, don't hesitate to contact us directly. 

In recent times, phone number spoofing has become a concerning issue, and at WyHy, we want to ensure the safety of our members.

Phone number spoofing involves disguising the origin of a call to appear as though it's coming from a trusted source, which can lead to potential scams or fraudulent activities.

If you receive a call that raises any suspicion or discomfort, we strongly advise hanging up immediately. To verify the authenticity of the call and address any concerns, please call WyHy directly using the official contact information.

Direct WyHy Phone Numbers: 307-638-4200 or 800-442-2392

Remember, your security is our priority, and we encourage you to stay vigilant in protecting your personal information.

In today's digital age, online shopping has become incredibly convenient and accessible. With just a few clicks, you can explore a world of products and have them delivered to your doorstep. However, amidst the convenience, it's crucial to remain vigilant and cautious, especially when dealing with unknown websites.

Recently, scammers have been capitalizing on the popularity of brands like Hey Dude to lure unsuspecting customers into fraudulent schemes. Let's delve into the Hey Dude $20/Pair Shoe Sale Scam and understand how you can safeguard yourself against such traps.

Hey Dude: Comfortable Style, Rising Scams

Hey Dude is a renowned brand known for its comfortable and stylish footwear designed for both men and women. Unfortunately, its popularity has attracted the attention of scammers who seek to exploit innocent shoppers. The Hey Dude $20/Pair Shoe Sale Scam is a deceptive promotion claiming to offer Hey Dude shoes at an irresistible price point – just $20 per pair.

The Anatomy of the Scam

The Hey Dude $20/Pair Shoe Sale Scam typically unfolds across social media platforms like Facebook, Instagram, and TikTok. Scammers create fake accounts or pages that mimic Hey Dude's official profiles. These fraudulent posts often feature eye-catching ads or offers, complete with fake testimonials from supposed satisfied customers.

To add to the illusion of legitimacy, scammers use the official Hey Dude logo, images, and branding in their posts and advertisements. The goal is to make the fake promotion appear authentic and trustworthy.

How the Scam Works

Once a user falls for the scam and clicks on the enticing offer, they are directed to a counterfeit Hey Dude website. While the fake website may share visual similarities with the authentic one, the domain name is usually different. For example, instead of the legitimate heydude.com, scammers might employ domains like heydude.shoes or heydude.store.

The fraudulent website showcases a range of Hey Dude shoe models and colors, all priced at an unbelievably low $20 per pair. To complete the purchase, users are prompted to enter personal and payment details. However, this is where the trap is set.

After submitting their information, victims neither receive an order confirmation nor a tracking number. Instead, they find themselves charged more than the promised $20 per pair. Furthermore, scammers gain access to the victim's credit card information, which can be exploited for other fraudulent transactions.

The end result? Shoppers receive neither the shoes they ordered nor any means of recourse or communication. Refunds are out of the question, and the scammers behind the operation disappear into the digital shadows.

Protect Yourself: Stay Smart While Shopping

As online shoppers, your safety should be a top priority. To shield yourself from scams like the Hey Dude $20/Pair Shoe Sale Scam, consider the following precautions:

  • Verify the Source: Always double-check the legitimacy of a website or promotion before making a purchase. Look for official domain names and verified social media accounts.
  • Research Reviews: Genuine customer reviews can offer insights into a website's trustworthiness. Look for reviews on reputable platforms.
  • Secure Payment: Stick to secure payment methods, such as credit cards or trusted payment gateways, when making online purchases.
  • Check URLs: Carefully examine the website's URL for inconsistencies or variations from the official domains.
  • Be Skeptical of Unrealistic Offers: If an offer sounds too good to be true, it probably is. Exercise caution and be skeptical of overly discounted prices.

Remember, knowledge is your best defense against online scams. By staying informed and cautious, you can enjoy the convenience of online shopping while protecting yourself from potential pitfalls. If you ever come across suspicious offers or websites, don't hesitate to report them to the relevant authorities. Stay safe and shop smart!

Protecting Your Card Information: WyHy Puts Your Security First

In our increasingly digital world, the convenience of using debit and credit cards for transactions cannot be overstated. Not only does it eliminate the need to carry cash, but it also offers enhanced security features. However, it's essential to remain vigilant, as fraudsters continuously seek ways to gain access to your card information. At WyHy your security is our top priority, and we take several measures to protect your information during transactions.

Advanced Protocols for Card Security

WyHy has implemented robust protocols internally and collaborates closely with our card and ATM partners to ensure the security of your transactions. Here's how we safeguard your information:

EMV Chip Cards:

Over the past few years, the transition to EMV chip cards has significantly reduced the risk posed by magnetic stripe cards. EMV cards utilize encryption technology that makes it extremely challenging for fraudsters to clone your card or gather card information for online use. By leveraging this technology, we enhance the security of your transactions.

Card Management Services:

Our online banking portal offers convenient card management services that give you control over your cards. You can deactivate, reactivate, or put your card on hold as needed. Additionally, you have the option to set up text alerts for transactions and other account activity. These alerts enable you to receive notifications for withdrawals, deposits, and more, empowering you to stay informed and identify any suspicious activity quickly.

Ensuring ATM Security

We have implemented comprehensive security measures at our ATMs to ensure the utmost safety of your transactions. Here's what we do to protect you:

Anti-Skimmer Technology:

Our ATMs are equipped with cutting-edge anti-skimmer technology, which safeguards your card information and reduces the risk of card compromise. Skimmers are devices used by fraudsters to intercept card information during transactions. By implementing this advanced technology, we add an extra layer of security to your ATM experience.

Detecting and Reporting Skimmers:

To protect yourself, it's essential to be aware of the presence of skimmers. They can often be detected physically or visually. For example, at gas stations, look out for security tape (usually red) with the word "void" or if it has been cut. These signs may indicate the presence of a skimmer, and in such cases, it is advisable to report it to the gas station attendant and pay inside for your gas. Additionally, be cautious of any physical attachments on card readers that appear loose, crooked, or cover important elements. If you suspect a skimmer, notify the business immediately so they can address the issue. In case you have inadvertently used a compromised card reader, review your online banking portal to confirm the legitimacy of your transactions. You can also utilize our card management portal in online banking to disable the affected card.

Best Practices for Enhanced Security

While we prioritize your security, there are also actions you can take to further protect yourself. Here are some simple yet effective tips:

  • Choose Complex PIN Numbers: When setting a PIN for your debit card, opt for a complex combination that is difficult for fraudsters to guess. Avoid using easily recognizable patterns such as repeating numbers, sequential sequences, or numbers associated with personal information available online.
  • Ensure Secure Online Transactions: When making online transactions, be cautious and verify the web address for accuracy. Double-check that it starts with "https://" to indicate a secure connection that encrypts data in both directions. If following a link within an application, copy and open it in a formal web browser to ensure a secure connection.
  • Leverage Digital Wallets: Digital wallets, such as Apple Pay, Google Wallet, and Samsung Pay, offer an additional layer of security. These platforms enable you to load your debit and credit cards for secure online

Beware of Phishing and Smishing Scams: Protect Yourself as a WyHy Member

Cybercriminals are constantly devising new tactics to exploit unsuspecting individuals. As a valued member of WyHy, it is crucial to stay vigilant and protect yourself against phishing and smishing scams. These fraudulent activities aim to deceive you into revealing sensitive information, such as your account credentials or personal data. Here's what you need to know to keep your information secure.

What is Phishing?

Phishing is a fraudulent technique where cybercriminals impersonate legitimate entities, such as banks or credit unions, to trick individuals into divulging confidential information. This is typically done through deceptive emails, fake websites, or malicious attachments. The goal is to obtain login credentials, credit card details, or other sensitive information for financial gain.

Recognizing Phishing Attempts:

  • Be cautious of emails or messages requesting immediate action or claiming an urgent issue with your account.
  • Look out for grammatical errors, misspellings, or unusual email addresses that do not match the official domain.
  • Avoid clicking on suspicious links or attachments, as they may lead to fake websites designed to steal your information.

Protecting Yourself:

  • Never share personal information, such as account numbers, Social Security numbers, or login credentials, through email or text messages.
  • Double-check the legitimacy of the sender by contacting WyHy Credit Union directly through verified channels.
  • Ensure your devices and software are up to date with the latest security patches to minimize vulnerabilities.

What is Smishing?

Smishing is a form of phishing that specifically targets individuals through text messages (SMS) or other messaging platforms. Cybercriminals use enticing messages or urgent alerts to trick recipients into clicking on malicious links or disclosing sensitive information.

Identifying Smishing Attempts:

  • Be cautious of unexpected or suspicious text messages from unknown sources, especially those claiming to be from WyHy Credit Union.
  • Pay attention to unusual requests for personal information, financial details, or verification codes.
  • Watch out for messages with shortened URLs or misspelled website addresses, as they may redirect you to fraudulent sites.

Protecting Yourself:

  • Be skeptical of unsolicited messages and avoid clicking on any links or downloading attachments unless you are certain of their authenticity.
  • Be cautious when providing personal information over text messages, even if the request appears to be legitimate.
  • Report any suspected smishing attempts to WyHy Credit Union and your mobile service provider.

WyHy's Commitment to Your Security:

At WyHy, your security is our top priority. We employ advanced security measures, including encryption technology and multi-factor authentication, to protect your information. However, it is essential to remain vigilant and stay informed about the latest scams targeting financial institutions.

If You Suspect Fraud:

If you believe you have encountered a phishing or smishing attempt or notice any suspicious activity related to your WyHy account, please contact us immediately. Report any fraudulent communications or incidents to help us take swift action to protect your accounts and fellow members.

Remember, staying informed and cautious is the first line of defense against phishing and smishing scams. By being proactive and safeguarding your information, you can enjoy a secure banking experience with WyHy.

What you need to know about impersonation scams:

Successful credit union impersonation scams occur when members are convinced they’re communicating with an actual credit union representative via live voice call (Vishing), SMS text message (SMishing), or email (Phishing). But, in reality, they’re sharing confidential information with a scammer.

Fraudsters use spoofing techniques to make it appear as though the communication is from the institution so they can:

  • Steal your debit card information
  • Bypass security protections and access your account online; and
  • Solicit funds for fake payments

Look out for Vishing

Typically the scammer contacts the member using a spoofed phone number and posing as a credit union employee. The caller claims they need to discuss an important matter, but they must first confirm the member’s identity. The scammer is already on the credit union’s online banking website and informs the member they need to provide the PIN sent to the member’s phone or answer security questions. Since the caller says they’re from the credit union and the number on the Caller ID appears to confirm it, the member doesn’t hesitate to provide the requested information.

Vishing allows the scammer to use the information provided by the member to complete the login. They proceed to lock the member out of their account by changing the online banking password. The fraudster then transfers funds from the member’s account to their own temporary account before vanishing without a trace. The caller might even encourage the member to transfer funds to an external account claiming that the payment will be applied to a specific credit union loan.

Look out for Phishing and SMishing

Phishing and SMishing occur when a scammer sends a spoofed email or text message to a member, posing as a Credit Union employee and alerting them to suspicious debit card activity. The member is then urged to reply with account details, such as card numbers, CV2 codes, PINs, or other online account credentials. The scammer then uses this information to make unauthorized charges or access the member's account.

Protect Yourself

To protect yourself from these scams, never share private information via SMS text message and avoid clicking on hyperlinked phone numbers or links inside emails. Pause before providing personal data via voice calls you did not initiate, even if the caller ID reads WyHy. If someone contacts you and requests any of your account information do not share any information, hang up immediately, and call WyHy back directly at 800-442-2392.

WyHy will never contact you directly to request any account information, including your Social Security Number, Credit or Debit Card Numbers, Security Code or CVV, PIN, Address, Date of Birth, Online Banking Login Information, Verification Codes, or Passwords. If you receive a fraudulent email, phone call, or text impersonating WyHy, report it right away.

Remember, member vigilance is the most effective form of fraud prevention. Share this information with friends and family members who may be vulnerable to this type of fraud.

We're with you!


Your Security, Our Promise:

At WyHy, we prioritize your security and work tirelessly to maintain the integrity and protection of your information. Our commitment to your privacy and confidentiality remains unwavering.

We have taken comprehensive precautions to ensure the security of your personal banking information when you engage in online banking activities. Here are some of the measures we have implemented:

Encryption: Our website and online banking platforms utilize encryption technology to authenticate and safeguard your information. This ensures that your online interactions with us are secure and protected. Usernames and Passwords:

Usernames and Passwords: To enhance account security, our Online Banking platform requires the use of strong usernames and passwords. We encourage you to select passwords that are difficult for others to guess. For more information on creating secure usernames and passwords, please refer to our Online Banking FAQs.

Secure Email: When you send email communications to WyHy through our website or within the Online Banking platform, rest assured that they are transmitted securely to protect your sensitive personal information. In response to your inquiries submitted through Online Banking, our Member Service Advisors will securely communicate with you within the "Messaging" section of Online Banking. As a standard practice, our representatives never send personal information via non-secure email.

Personal Privacy: Trust is the foundation of our relationship with our members. WyHy is fully committed to safeguarding the privacy of your financial records in accordance with federal and state laws. For more details on how we protect your privacy, please review our privacy policy (PDF).

WyHy Email Messaging: Please be aware that WyHy will never request any personal information, including account information or social security numbers, via email. We utilize email as a responsible channel for delivering relevant product and service offers, regulatory information, and rate updates. It is not used to gather confidential member information.


If you have any concerns or questions regarding security, please don't hesitate to contact us. We are here to assist you in every possible way.