Payments fraud is a well-known problem among credit unions and other financial institutions, but a new study from the Federal Reserve Bank of Minneapolis suggests that one of the most effective ways to mitigate fraud involves simply letting consumers view their information online.

According to the Federal Reserve, which surveyed nearly 300 financial institutions across the country last July and August, payment fraud losses are a problem for three-quarters of financial institutions, with 96% of debit card issuers and 77% of credit card issuers reporting it in 2016.

Card transactions weren't the only fraud source, though. About a quarter (24%) of FIs that offer ACH experienced fraud losses in 2016, and 13% were hit with wire fraud. Most (77%) FIs that offer checking also encountered check fraud. Fraud is increasing, too. Between 2015 and 2016, signature-based debit card fraud rose 63%, PIN-based debit card fraud rose 50%, credit card fraud rose 41% and check fraud rose 28%. Wire fraud rose 10%. ACH debit and credit fraud rose 8% and 2%, respectively.