If you received a notice about a First Commonwealth Federal Credit Union (FCFCU) data breach, this is worth your time. FCFCU has agreed to pay $1.2 million to settle a class action lawsuit over a cyberattack that allegedly exposed sensitive personal information.
Bottom line: Eligible class members can claim up to $5,000 for documented losses, an estimated $100 cash payment, and three years of free credit monitoring—but you must act by February 18, 2026.
Here’s a fast, clear breakdown to help you decide what to do.
Why This Lawsuit Exists?
The lawsuit claims that FCFCU failed to adequately protect private information during a cyberattack that affected nearly 98,817 individuals. Plaintiffs allege the incident led to unauthorized access to sensitive data.
FCFCU denies wrongdoing
No court ruled the credit union was at fault
The case settled to avoid the cost and risk of further litigation
Who Qualifies?
You may be eligible if all of the following apply:
You reside in the United States
Your private information was compromised in the FCFCU data incident
You received notice of the data breach
Certain FCFCU insiders, government entities, and those who opt out are excluded.
How Much Can You Get?
Class members can choose from two cash options, plus credit monitoring:
Cash Option A: Documented Losses
Up to $5,000 per person
For out-of-pocket losses fairly traceable to the data incident
Documentation required (e.g., receipts, bank or phone records)
Cash Option B: Alternate Cash
Estimated $100 payment
No loss documentation required
Amount may increase or decrease depending on total claims
Credit Monitoring (Available with Either Cash Option)
Three years of CyEx Identity Defense Complete
Includes real-time monitoring, dark web scanning, and $1,000,000 in identity theft insurance
Your Options
| Option | Deadline | What It Means |
|---|---|---|
| Submit a Claim | February 18, 2026 | Required to receive cash and/or credit monitoring. |
| Exclude Yourself (Opt Out) | February 3, 2026 | No benefits, but you keep the right to sue FCFCU separately. |
| Object to the Settlement | February 3, 2026 | Tell the Court why you disagree. You remain in the settlement. |
| Do Nothing | N/A | You receive no benefits and give up certain legal rights. |
How to File a Claim?
To receive any settlement benefits, you must submit a claim:
File online or download and mail a paper claim form
Include your Class Member ID from your postcard or email notice
Choose your cash option and credit monitoring
Proof requirements:
All claims: Class Member ID required
Up to $5,000 losses: Third-party documentation required
$100 cash option: No loss documentation required
Claim Deadline: February 18, 2026
Mailing Address (if submitting by mail):
Maciejczyk v. First Commonwealth Federal Credit Union
c/o Kroll Settlement Administration LLC
P.O. Box 225391
New York, NY 10150-5391
Settlement Website: FCFCUSettlement.com
Questions? Call (833) 890-4928
