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Online Banking, Data Security & You

Safe online banking depends on continuing and strengthening this partnership for safe online banking:


Lawmakers, regulators and the banking industry have forged substantive standards for safeguarding members' personal information.
Uniform examination procedures are in place to monitor and enforce these standards, and credit union examiners regularly go on-site to assess how credit union security measures are being implemented, understanding that each credit union has a different menu of products and services, and therefore differing security requirements. Some of the areas they look at include:

  • Access controls ensuring member information can be accessed only by authorized persons, including use of multi-factor authentication when warranted.
  • Physical restrictions at computer facilities that permit access to authorized persons only.
  • Data encryption of electronically transmitted and stored member information.
  • Modification procedures to ensure that changes are consistent with the approved security program.
  • Dual control procedures, segregation of duties, and employee background checks.
  • Monitoring procedures to detect actual and attempted intrusions into member information.
  • Responsive programs specifying actions to be taken by specific individuals when the institution suspects unauthorized access.
  • Environmental hazard protections against physical damage or technology failures.
Your credit union has security measures to protect your account information, but they can't be effective without your help and cooperation. Many account hijacking attempts come as a result of hacking into individual user accounts, and from there electronically breaking into the credit union using your information and security codes. Some common sense and easily implemented precautions can help you safeguard your personal information:
  • Strong Passwords- Experts advise a combination of letters and numbers, and advise against using easily guessed passwords such as birthdays or home addresses.
  • Anit-Virus Protections- Make sure the anti-virus software on your computer is current and scans your email as it is recieved.
  • Email Safely- Email is generally not encrypted so be wary of sending any sensitive information such as account numbers or other personal information this way.
  • Sign Off and Log Out- Always log off by following the credit union's secured area exit procedures.
  • Don't Get Phished- Crooks are always trying to get your personal information, and they employ some ingenious methods. Don't respond to any unusual email request for personal information (i.e. when you opened your credit union account). When in doubt, call your credit union.
  • Monitor Your Accounts- When you check your accounts regularly, you can let your credit union know immediately if you encounter anything that does not seem right.

Helpful Hint: Studies show that those who monitor their accounts online often detect fraud earlier than those who rely solely on paper statements.


When it comes to guarding against cyber-fraud, one of the most important tools at your disposal is your credit report. It details all of your credit union transaction accounts, and will be the first place that unusual charges or entirely new accounts will appear. And you can monitor your report for FREE.

Since Federal law permits consumers to obtain a free report annually from each of the three major credit reporting agencies, cyber-security experts advise that you get a free report from a different agency every four months. Doing so will allow you to monitor your personal online security all year long.

To order your FREE credit report, go to the only authorized source here or call 1-877-322-8228.