Credit Union 1 takes the security of information very seriously and has established security standards and procedures to prevent unauthorized access to member information. We use industry standard means such as physical, electronic and procedural safeguards, including data encryption and secure socket layer technology. We update and test our technology regularly to maintain and improve the protection of our members' information. We restrict access to personal information to employees and service providers for legitimate business purposes to assist in providing services to you. On this page we provide information that will help you protect yourself from becoming a victim to identity theft or other fraud. Use these helpful tips to keep your personal information safe and secure.
STOP. THINK. CONNECT. is a global cybersecurity awareness campaign to help all digital citizens stay safer and more secure online. The campaign was created by an unprecedented coalition of private companies, non-profits and government organizations with leadership provided by the National Cyber Security Alliance (NCSA) and the Anti-Phishing Working Group (APWG). The Department of Homeland Security provides the Federal Government’s leadership for the campaign.
Credit Union 1 has joined the STOP. THINK. CONNECT. partner program to educate and make our members aware of the importance of online safety.
Online Security. Online banking certainly provides great convenience and can save you a lot of time. However, you need to be vigilant and protect your online bank account. Here are some tips on how you can protect your bank account and keep it safe from theft:
Pay Attention. Log in to your account on a regular basis, even if you don't have any transactions to do. It only takes a moment to review your information so that you know what's going on. If you do discover a problem or a discrepancy, contact Credit Union 1 immediately.
Keep It Private. Never use public computers for transactions that involve private information. Don't be tempted to do your online banking in the library or the local Internet cafe. You have no way of knowing who has access to that information or how they'll treat it. Plus, there may be keystroke loggers on the computer, which make it very easy for a thief to steal your private information.
Initiate Contact Yourself. Don't ever try to access your account through an emailed link no matter how much that email looks like it came from your bank. These kinds of emails that request you to log into your bank account are most likely 'phishing' scams. We may send messages that point you to areas of our website, including home banking but to be safe you can always go there directly rather than clicking on an email link (see email security below). Also, don't give out any personal information if someone who claims to be from Credit Union 1 contacts you, by email or by phone. The best way to be sure that you really are dealing with your financial institute is to always initiate the contact yourself. More information on phishing scams.
Check For Secure Connections. When you log into OnLine Express, make sure that the page where you type your info always starts with https: The 's' means that the URL is on a secure server. Never type confidential information or passwords into a non-secure page.
Use a Strong Password. A strong password is an important protection to help you have safer online transactions. Here are steps you can take to create a strong password. Some or all might help protect your online transactions:
Length - Make your passwords at least eight or more characters.
Complexity - Use the entire keyboard and include letters, punctuation, symbols, and numbers. The stronger passwords contain a variety of characters and are more secure. However, password hacking software automatically checks for common letter-to-symbol conversions, such as changing "and" to "&" or "to" to "2."
Variation - Change passwords frequently. Consider setting an automatic reminder every three months to change your passwords to access your email, banking accounts, and credit card websites.
Variety - Don't use the same password for everything. Cybercriminals steal passwords on websites that have very little security, and then they use that same password and user name in more secure environments, such as banking websites.
Do - Use things like sentences without spaces or shorthand or misspelled words. Adding a number or special character like #,$,or & is also a good practice.
Do Not - Use sequences or repeated characters (ex. 1234 or 22222), personal information or common misspellings or abbreviations.
Change Your Password Regularly. Change your password at least once every three months. If you suspect there may be a problem, immediately change your password and call your bank. Don't share your password with anyone. Even people you trust should not have access to your online banking password.
Install Barriers. If you are doing online banking, your computer should have the following software installed:
Firewall. Firewalls 'block the door' to your computer so 'hackers' can't access the information on your hard drive. Learn more about firewalls.
Spyware Blocker. Spyware is any program that secretly downloads onto your system when you access the Internet, often through pop-up ads or attachments. The software gathers information about you from your computer and sends it to third parties. Learn more about spyware.
Email Security. One of our top priorities is making sure your personal information stays safe and secure. You can help by looking out for fraudsters trying to trick you through a "phishing" scam. A "phishing" scam is a tool fraudsters execute where deceptive emails and web pages are used to collect personal information. Commonly, these phishing attempts start with a spontaneous email, which appears to be from a company that you trust and work with on a regular basis (i.e. Credit Union 1).
However, these phishing e-mails aren't from a real, reputable business. If you click on the link within a "phishing" scam email, it may send you to false web site that mimics the real business. The false, imposter web site is a shell created by the fraudsters used to capture your personal information and use it for their purposes.
If you are worried that an email you get from Credit Union 1is actually a phishing email, please compare the e-mail's contents against the following checklist:
Credit Union 1 Email Communications to Customers Will Always Include the Following Items:
Your First Name
The Credit Union 1 Logo
Credit Union 1's Headquarters Street Address
Credit Union 1 Will Never:
Request that you send us your Username or personal information (SSN, credit card, etc.) in an e-mail.
Ask you to send e-mail attachments, except upon your direct request to a specific Credit Union 1 staff member.
Request or provide account passwords, either via e-mail or telephone.
Send an e-mail asking you to verify your identity.
Tip: The inclusion of some (or all) of the elements listed above doesn't guarantee an email is legitimate (so always double check).
Although it's tough for a fraudster to get a hold of all the items we include in Credit Union 1 emails, it's possible a phishing email may include some of our elements that are more public (like our logo or street address).
If you're still worried about an email you have received - especially if it's asking for information that we've stated that we will never ask for - please don't comply with the email's request. Instead, forward the suspect email to email@example.com, so we can review the email and verify its authenticity.
If you're concerned the web page you're visiting is a phishing page (a web site not hosted by Credit Union 1), look at the address bar on your browser to make sure it says https://www.creditunion1.org or https://virtuoso1.creditunion1.org.
At Credit Union 1 we use a company called ConstantContact to send our notification and advertising emails. If you have unsubscribed and would like to be added back to our email lists click the button below and complete the required steps.
Offline Security. Here are a few precautions to protect your financial information in your day-to-day life:
Pay Attention. As with online banking, pay attention. Don't just get your bank statement and toss it on the 'to-do' pile on your desk. Read your bank statements as soon as you get them. You can't spot a problem if you're not paying attention and, if you don't spot an existing problem, it could cost you a great deal.
Don't Share your PIN. Don't lend your ATM/Debit card to anyone or share your PIN. And never write your PIN number on your ATM/Debit card or have it anywhere near your ATM/Debit card (in the event that your wallet gets stolen).
Shield Your Transactions. When you use your ATM/Debit card, shield the key pad so no one can see what you are keying in. Check to make sure that no hardware devices have been added to an ATM machine you're using. These devices, called 'Skimmer' devices, can record the info from the magnetic strip on your ATM/Debit card along with your PIN number. They take less than 15 seconds for the scammer to install and uninstall them. Some Skimmer devices are installed over the keypad on an ATM machine and may include warnings, supposedly from the bank, about how this equipment is being tested. If you see anything like this, do NOT use the ATM machine.
Shred Your Personal Documents. Shred old and unused checks, as well as any unwanted paper that has your bank account number on it. - Never give anyone a signed blank check.
For more information on how you can protect identity, check out 21 Tips to Protect Yourself. While the information is specifically geared towards credit card fraud, many of the tips can be applied universally to all financial transactions.
Despite all of the security measures you and the companies you use put in place, hackers seem to find a way. So what do you do if your information has been compromised? We suggest you, watch this short video and follow the tips below.
Call the Affected Merchant/Company - If you think you have been part of a hack or data breach contact the affected company. They can confirm that you information was part of the breach and they will often offer protections such as free credit monitoring or identity theft protection for a limited time because you were part of the breach.
Call Your Bank or Credit Union - If your personal or financial information has been compromised, contact the appropriate institutions as soon as possible. Banks and Credit Unions can monitor and block any transactions that may be made fraudulently. They may also be able to place a watch on your account for suspicious activity.
Get a Copy of Your Credit Report - Getting a copy of your credit report is free, and it gives you quick access to any accounts that are open or may have been opened in your name. You can also set up a free fraud alerts at one of the three major agencies - Experian, Equifax or Transunion. Fraud alerts last three months, and require any creditor to contact you by phone when a request to issue credit is made at their institution. You can also opt to freeze your credit to prevent anyone from opening a line of credit.
Scan and Update Your Computer - Perform an antivirus scan to ensure that there are no virus programs or malware on your computer. Also, make sure your computer is running the latest version of its operating system and that applications are patched regularly.
Update Passwords - Change passwords on possibly affected accounts. If you use the same password at different sites consider changing or using a different password for each site. When choosing passwords, make them as complex as possible. Use a combination of letters, numbers and symbols when creating a password, and use different passwords for multiple sites.
Purchase Identity Theft Protection - As an alternative you can purchase identity theft protection. These programs watch your credit reports, bank accounts and other sites that may contain information about you. They are not an all-inclusive solution but they may help you recover things more quickly in the event of a breach.
The most important thing to remember is to stay vigilant. No one is immune to hacking, but quickly responding to an incident can make the experience less stressful and get things back to normal more quickly.