Fraud Prevention
Never give out any personal data or sensitive information related to your Ascend account, debit or credit card(s). If you are contacted with a suspicious text message, email or phone call—please call us at 800-342-3086 to verify if it's valid. Ascend takes your security seriously. We have a comprehensive fraud prevention program and are always looking for new ways to keep your information safe.
Our IDProtect program is a feature of Preferred checking. It helps protect you against identity theft, even if the account in question isn't an Ascend account.54
If you have been the victim of identity fraud, Ascend will assign you a fraud specialist who will work with you until your identity is restored. We will also reimburse you up to $10,000 for expenses related to restoring your identity.55
If you choose, you can also register for our IDProtect program's fraud monitoring features, including:
We will monitor your Equifax, Experian, and TransUnion credit files daily and alert you if key changes occur.
Request a new credit report from all three credit monitoring bureaus every 90 days or when you receive a credit alert.
We will monitor over 1,000 databases including credit, Social Security, public records, real property records, telephone and more.
Receive a new single bureau credit score with every new credit report.
All Ascend debit and credit cards have EMV chips. EMV chips make your credit card information more secure and harder to steal.
Magnetic strips on credit cards contain all the information about that card. Anyone who steals a card with a magnetic strip has all of the information needed to use that card for purchases. An EMV chip creates a unique transaction code for each sale. So if your card information is stolen during a sale, the thief can't use that information to make a purchase. The card would be declined.
The EMV chip doesn't completely prevent theft, but it makes using stolen credit card information much harder.
There are three different ways to become a member.
