Fraud Alert: UnitedOne Credit Union Warns Members About “Account Restricted” Text Scam
SHEBOYGAN, WI – February 26, 2026 –
UnitedOne Credit Union is warning members about a new wave of fraudulent text messages claiming their “account has been temporarily restricted.”
According to reports from members, the scam texts are coming from out-of-state area codes such as 573 and 213. The messages instruct recipients to click a link to restore access to their account. That link leads to a fraudulent website designed to steal personal and financial information.
UnitedOne Credit Union emphasizes: Do NOT click on any links in these messages.
Scammers are using increasingly sophisticated tactics, including disguising phone numbers to appear legitimate. Some messages may look like they are coming directly from UnitedOne.
What You Should Do
• Do not respond to the text.
• Do not click on any links.
• If it’s a phone call, hang up immediately.
• Contact UnitedOne directly using a verified phone number if you have concerns.
UnitedOne reminds members that they will never call, email, or text asking for:
• Member ID
• Account number
• Online banking password
• Debit or credit card number
• PIN or security code
If you believe your account may have been compromised, contact UnitedOne immediately at:
Manitowoc: (920) 684-0361
Sheboygan: (920) 451-8222
A Pattern of Fraud Attempts
This latest scam follows a series of fraud attempts reported over the past several years, including:
• September 2025: Texts claiming accounts were “on hold due to unusual activities.”
• October 2024: Messages about questionable eBay charges.
• July 2023: Calls claiming to be the “UnitedOne Fraud Department” about Walmart purchases.
• February 2023: Caller ID spoofing that made calls appear to come from UnitedOne directly.
How to Protect Yourself
UnitedOne encourages members to strengthen digital security by:
• Keeping operating systems and software up to date
• Using anti-virus software
• Enabling personal firewalls
• Using strong, unique passwords
• Securing home Wi-Fi networks
• Never sending personal information via email
Be cautious of scammers who:
• Pressure you to act immediately
• Claim there is an urgent problem
• Ask you to withdraw cash or buy gift cards
• Ask you to deposit a check and send money back
If you want to report fraud beyond contacting UnitedOne, you may also file complaints with:
Wisconsin Department of Financial Institutions
Wisconsin Department of Justice
Federal Trade Commission
Internet Crime Complaint Center (FBI)
UnitedOne Credit Union states that fraud monitoring is active on debit cards, and members may receive legitimate fraud alerts if unusual activity is detected. If a transaction is not authorized, cards are shut down immediately for protection.
Members with digital safety questions can call or text UnitedOne at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan, or email mail@UnitedOne.org.
Stay vigilant. Never share personal or account information in response to an unsolicited call, text, or email.
