Fraud Reminder: EFCU will never call and ask for personal information, including a One-Time Passcode (OTP) through text message/email. If you receive a call asking for an OTP, please hang up and call EFCU directly. Fraudsters may spoof our phone number and ask for personal information. If after hours, please contact 1-800-528-2273 for debit cards, and 1-800-449-7728 for credit cards.