Security Center
Your financial security is our top priority. Learn how to protect your accounts, recognize fraud, and take immediate action if something doesn't look right.
Report Fraud Immediately
If you notice unauthorized transactions, suspect your account has been compromised, or have lost your debit card, contact our fraud team right away. The sooner you report it, the faster we can protect your accounts.
Available 24/7/365 — no hold times for fraud reports.
IOU National will never ask for your password, PIN, or one-time code by phone, email, or text. If someone contacts you requesting this information, it is not us — hang up and call +1 (888) 462-7233 to report it.
How to Recognize Scams
Fraudsters use multiple channels to trick you into giving up personal or account information. Here are the most common techniques and how to defend against them.
Phishing (Email)
Fraudulent emails that impersonate IOU National, often with urgent language asking you to verify your account, confirm a transaction, or update your password through a fake link.
How to protect yourself
- Check the sender address carefully — legitimate emails come from @iounational-help.com only
- Hover over links before clicking to verify the URL
- IOU National will never ask for your password via email
- Forward suspicious emails to [email protected]
Vishing (Phone)
Phone calls from someone claiming to be IOU National support, requesting your account number, PIN, or one-time verification code. Caller ID can be spoofed.
How to protect yourself
- Hang up and call us directly at +1 (888) 462-4968
- Never share one-time codes or PINs over the phone
- Our team will never call you to ask for your full password
- If pressured to act urgently, it is almost certainly a scam
SMShing (Text Message)
Text messages claiming there is a problem with your account, asking you to click a link or reply with personal information. These may appear to come from a short code.
How to protect yourself
- IOU National will never text you a link to log in
- Do not reply to texts asking for account information
- Report suspicious texts by forwarding them to 7726 (SPAM)
- Block the sender and delete the message
How to Freeze Your Debit Card
If your card is lost, stolen, or you see a transaction you don't recognize, you can instantly freeze your card through online banking. A frozen card declines all new purchases, ATM withdrawals, and cash advances.
- 1Sign in to online banking at iounational-help.com/login
- 2Navigate to Cards & Accounts from the main menu
- 3Select the debit card you want to freeze
- 4Toggle the "Freeze Card" switch to ON
- 5Your card will be frozen immediately — no pending transactions will be blocked, but new ones will be declined
- 6To unfreeze, repeat the process and toggle the switch to OFF
Prefer to call? +1 (888) 462-7233 can freeze your card over the phone immediately.
Identity Theft Response Checklist
If you believe your identity has been stolen, follow these steps as quickly as possible to limit the damage and begin the recovery process.
- 1Call the IOU National fraud line at +1 (888) 462-7233 to report the incident and freeze affected accounts
- 2Place a fraud alert with one of the three credit bureaus (Equifax, Experian, or TransUnion) — they are required to notify the other two
- 3Review your credit reports at annualcreditreport.com for any accounts you do not recognize
- 4File an identity theft report at identitytheft.gov (FTC) to create a recovery plan
- 5File a police report with your local law enforcement and keep a copy for your records
- 6Change your IOU National password and enable MFA if not already active
- 7Monitor your accounts daily for the next 90 days and report any suspicious activity immediately
- 8Consider placing a credit freeze with all three bureaus to prevent new accounts from being opened
Keep records. Document every call, report, and correspondence related to the identity theft. Note the date, time, representative name, and reference number. These records are essential if you need to dispute fraudulent accounts.
How We Protect You
IOU National employs multiple layers of security to safeguard your accounts and personal information.
Multi-Factor Authentication
Every online banking session requires a second verification step via authenticator app, SMS code, or hardware security key.
End-to-End Encryption
All connections are secured with TLS 1.3. Your data is encrypted in transit and at rest using AES-256.
24/7 Fraud Monitoring
Our systems continuously monitor for unusual activity. Suspicious transactions trigger real-time alerts and automatic temporary holds.
Session Security
Sessions rotate every 15 minutes. Concurrent sessions are not permitted. All sessions are logged with device and location details.
Stay Vigilant
Review your statements monthly and report unfamiliar transactions within 60 days
Use a unique, strong password for your IOU National account — never reuse passwords across sites
Enable push notifications for real-time alerts on transactions, sign-ins, and account changes
Keep your devices updated with the latest operating system and security patches
Suspect fraud? Act now.
Our dedicated fraud team is available around the clock. The sooner you report suspicious activity, the better we can protect your accounts.