Important FFCU & TFCU Merger Information: The transition of FFCU accounts to TFCU accounts will be completed on December 1st. We have prepared a Transition Guide to ensure your move to TFCU is a smooth one. There is also a printable Checklist which outlines next steps that will require your attention. Welcome to Tropical Financial Credit Union!
Financial Federal Credit Union
FFCU consolidated my loans and credit cards from other lenders and now I'm saving over $150 per month. - M.B., Member since 2010


Identity Theft Benefit -
Account Fees and Services

Identity theft is a billion dollar business for thieves and a billion dollar loss for the rest of us. As a result, recent regulation enacted by the Fair and Accurate Credit Transactions Act (FACTA) requires that we put in place additional measures to safeguard your account and our financial institution.

Notice: A security service charge of $2.95 per month will be charged to personal checking accounts to offset these security measures to fight identity theft and fraud. It will appear on your statement as "security service charge." If you have any questions about how this fee pertains to you or your account, please contact your nearest branch office.

Additional Benefit Available to our Accountholders:

As we undertake these security measures to safeguard your account, there is an additional benefit for you. If you suspect or have confirmed identity theft for ANY reason whatsoever, even if it does not pertain to your account with us, we will provide professional identity theft recovery benefits covering both financial and non-financial fraud. In addition, these benefits are extended to all named accountholders and 3 generations of your family – including your spouse, children and parents. (See complete terms below)

Fully-Managed Identity Recovery – How It Works

If you or your family member suspects identity theft, or personal information becomes compromised as a result of a lost purse or wallet, a break-in, lost laptop or notification of a data breach, we can help. Simply contact Financial Federal Credit Union and a representative will verify your information, and securely submit your case to a Personal Recovery Advocate, who will contact you directly.

This trained and certified identity restoration professional will place fraud alerts at the three major credit bureaus for you; help you access services to watch for signs of identity theft; and access your credit reports and conduct a threat assessment to determine if any identity theft has occurred.

If you are victimized by identity theft, your Advocate will work on your behalf to restore your identity. Your Advocate will:

  1. Place fraud alerts at the three major credit bureaus for you.
  2. Provide you with access to credit reports from all three bureaus and review the reports with you to identify fraudulent activity.
  3. Assist you in completing an Identity Theft Affidavit and Declaration of Fraud to establish your rights as a victim.
  4. Activate credit monitoring during your recovery to help you watch for additional signs of abuse.
  5. Contact the Social Security Administration, U.S. Postal Service, Department of Motor Vehicles, etc. as applicable, to address any misuse of official documentation of your identity.
  6. Research and document all fraudulent transactions and false accounts or contracts signed with creditors, banks, utility companies, leasing agents, medical facilities, etc.
  7. Follow up to make sure all wrongful activity is reversed and removed from your records.
  8. Work with local and federal law enforcement to try to stop the criminal or criminals who are using your identity.
  9. Activate other members of the recovery team to assist when necessary, including professional investigators and legal advisors.
  10. Provide 12 months of follow-up after your recovery is complete – to be sure you stay recovered!


Terms for Identity Recovery Services


  1. Services will be extended to accountholders at the discretion of Financial Federal Credit Union and may be cancelled upon 30 days notice to the accountholder.
  2. Services extend to all named accountholders, their spouse or domestic partner, dependants up to age 25 with the same permanent residence address as the accountholder, including students and military, and parents of the accountholder living at the same address as the accountholder, or living in hospice, assisted living, nursing home or deceased for 12 months or less.
  3. Benefits have no cash equivalent, are non-transferable, and non-cancelable (except in the event of termination of the Group Plan.) Provider Services do not cover financial losses of any kind arising from the identity theft.
  4. Eligibility for recovery services is based on ID theft events that are discovered and reported to Financial Federal Credit Union on or after the effective date of the group program.
  5. Identity Theft is defined as fraud that involves the use of a consumer’s name, address, social security number, bank or credit/debit card account number, or other identifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes.
  6. Recovery Services may be refused or terminated if it is deemed that the accountholder or eligible family member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. Services will not be refused or terminated due to the complexity of a case.
  7. Financial Federal Credit Union and/or its service provider of the identity theft services cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.
  8. This service does not provide credit counseling or repair to credit which legitimately belongs to the accountholder or eligible family member.
  9. Services are only available to residents of the United States. Identity recovery is only performed with agencies and institutions in the United States, or territories where U.S. law applies.
  10. Services are provided by Merchants Information Solutions, Inc., or an alternate Services Provider selected at the sole discretion of Financial Federal Credit Union.

Learn More about Identity Theft

Identity theft is defined as the process of using someone else’s personal information for your own personal gain. ID theft can happen to anyone, and it can come in all shapes and sizes. According to the FTC, there are more than 30 types of identity theft affecting millions of Americans each year. Your credit card digits could be stolen and used to make online purchases; a thief could impersonate you to open up a loan in your name; a felon could commit a crime and pretend to be you when caught; or someone could use your personal information to apply for a job.

To learn more about this growing problem, and to learn how to protect yourself against its devastating effects, visit

Have You Been Submitted for Recovery Services?

If you have been submitted for identity recovery services, you may check on the status of your case by visiting:

Purchase Identity Theft Detection Tools

As part of this group program, Financial Federal Credit Union also provides you with discounted access to additional identity theft detection and recovery tools, including credit monitoring and reimbursement for expenses incurred for identity theft recovery.

For more details or to register, visit:

To register for credit monitoring only, visit:

Fraud Alerts

Unfortunately, scams, fraud, and identity theft are prevalent.
There are a number of ways that you can protect yourself and one of those ways is to stay informed.
In order to provide you with timely updates, we post educational links of fraud and scam attempts on this page for your guide and reference.
If you have some questions, or suspect you are a victim of identity theft, please contact Financial Federal Credit Union immediately at 1-800-727-5626.

Educational Link:

Credit Monitoring:

Enrollment Link:

Phishing Scams

Fraudsters are finding new ways to lure members into disclosing their personal and financial information. While the style and type of information is constantly evolving, there are phishing scams that continue to affect members.
These scammers need your personal and financial information to put money into their pockets - regardless if the money comes from your savings, checking or loan accounts. Time and again, scammers are successful in identifying and targeting the weakest link to enable this crime.

The credit union industry continues to communicate the various types of phishing (email), smishing (text message), vishing (landline), VoIP (internet phones) and mail letter phishing scams. These tactics are working because members continue to disclose their information.

The following are phishing techniques that fraudsters are using to capture members' personal and financial information:
  • Scam: Social Networks
    Members should be wary of clicking any links in emails or accessing social networking sites for holiday themes. Holiday scams contain links that redirect members to an indirect site registered by the fraudster.
    Prevention: Members should close their browsers if they see a link to download or install an application.
  • Scam: Call Forwarding
    Fraudster is call forwarding your landline or cell phone number to another telephone. In most cases, it's a prepaid cell phone.
    Prevention:Members should place a password on their telephone numbers to prevent them from being call forwarded.
  • Scam: Text Messaging
    Fraudster sends a text message (smishing) requesting personal information.
    Prevention: Be alert when text messages appear on the cell phone, smart phone or PDA device. If the text message requests personal or financial information, contact the credit union immediately and do not respond to the text message.
  • Scam: System Intrusions
    Fraudsters are focused on phishing you to provide account numbers, passwords and user names to get into the home banking system.
  • Scam: Voice Vishing
    This scam attempts to trick you into providing personal and financial information over the phone. Most vishing scams begin with an email or text message asking your member to call a toll-free number. When members call the number, they are led through a series of voice prompted menus that ask for key financial information such as a card or member account and the PIN.
    Prevention: Do not call the telephone number. Rather, report this to the credit union and telecommunications carrier immediately. This number needs to be shut down to help prevent others from responding to the attack.
  • Scam: Spoofing Caller ID
    You receive a call from either a live person or a recorded message with a spoofed caller ID. The caller ID may list a legitimate looking telephone number. Fraudsters have spoofed caller ID systems or assign any area code to a phone number so it appears to be an 800 number or a local number.
    Prevention: Never provide any personal or financial information to the caller. Always hang up and contact the credit union to report this activity. Your credit union will not request personal or financial information from you via a telephone call.

    Email, text message and phone calling are various forms of phishing. Fraudsters are asking for other types of information beyond card information to steal your money.

    Texting Scams

    We have had members report that they have received text messages supposedly from Financial Federal Credit Union. These messages say that there are problems with their debit or credit cards. FFCU does not utilize text messages for communication purposes. The Credit Union already has this information. There are other scams that make contact by phone or email requesting personal information. If you receive such a message asking you to follow up, please disregard as this is not from Financial Federal Credit Union. If you have any questions, please do not hesitate to contact us. We apologize for any inconvenience this may cause. Know that your safety and security are our top priorities and we will do our best to keep you aware of fraudulent activities.
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call us at 800.727.5626 or 305.577.1328 loan department 786.456.0151