Safeguarding Your Information in Today's High Tech World
In today's high tech world. we are able to accomplish tasks more quickly and conveniently using electronically transmitted data. Whether it's sending a letter via email, paying bills online, or internet shopping; we all enjoy the convenience electronically transmitted data provides. But, with this increase in speed and convenience also comes increased risk. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. At Fulda Area Credit Union, the security of member information is a priority. We are strongly committed to the safety and confidentiality of your records. One of the best ways to avoid fraud is to become an educated consumer and we would like to help you in this endeavor. Please take a moment to read this important information on how to keep your information safe when conducting business online.
How to Keep Yourself Safe in Cyberspace
An important part of online safety is knowledge. The more you know, the safer you'll be. Here are some great tips on how to stay safe in cyberspace:
- Set Good Passwords. A good password is a combination of upper and lower case letters and numbers and special characters and one that is not easily guessed. Change your password frequently. Don't write it down or share it with others.
- Don't reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else.
- Don't download that file! Opening files attached to emails can be dangerous especially when they're from someone you don't know as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a good anti-virus program on your computer that is up-to-date.
- Links aren't always what they seem. Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, type in the URL addresses directly and then log in.
- Web sites aren't always what they seem. If you navigate to a website from a link you don't type, you may end up at a site that looks like the correct one, when in fact it's not. Take time to verify that the web page you're visiting matches exactly with the URL that you'd expect.
- Logoff from sites when you are done. When you are ready to leave a site you have logged in to, logoff rather than just closing the page.
- Monitor account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away.
Business Accounts - Assess Your Risk
We recommend that businesses using online banking periodically assess your online banking risk and put into place increased security controls where weaknesses are found. Some items to consider when assessing your online banking risk are:
- Who has access to your online accounts? Do you monitor and reconcile accounts daily?
- How and where are user names and passwords stored?
- How strong are your passwords and how often are they changed? Are they changed before or immediately after terminating an employee who had access to them?
- Do you have a dedicated PC that is solely used for online banking transactions and is never used for email or web browsing?
- Do you have dual controls or other checks and balances with respect to online banking transactions?
- Do you have real-time anti-virus and anti-spyware, desktop firewalls, malware detection and removal software with automatic updates and scheduled scans?
- Do you have procedures for logging off the online banking PC when it's not in use?
- Do you do employee background checks?
What to Expect From Fulda Area Credit Union
Fulda Area Credit Union will NEVER call, email, or otherwise contact you and ask for your user name, password, or other online banking credentials.
Fulda Area Credit Union will NEVER contact you and ask for your credit or debit card number, PIN, or 3-digit security code. Please see below for more information about how our card providers may approach customer service calls.
DEBIT CARDS - Our card provider will identify themselves by saying they are calling from the Transaction Review Department on behalf of Fulda Area Credit Union. They will NEVER ask for your card number, PIN, expiration date, or CVC/CVV (security code). They may ask you to VERIFY recent transactions made on your debit card and your name and phone number.
CREDIT CARDS - Our card provider will identify themselves by saying they are calling from Fulda Area Credit Union's Card Service Center. They will NEVER ask for your card number, PIN, expiration date, or CVC/CVV (security code). They may ask you to VERIFY recent transactions made on your credit card, your name, phone number, and last 4 digits of your social security number.
IF YOU ARE UNCOMFORTABLE WITH THE CALL, PLEASE HANG UP AND CALL THE CONTACT NUMBER ON THE BACK OF THE CARD.
Rights and Responsibilities
With respect to online banking and electronic funds transfers, the Federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described in the Electronic Funds Transfer and Agreement Disclosures you received when you opened your account with Fulda Area Credit Union. Ultimately, if you notice suspicious account activity or experience security-related events, you should contact the credit union immediately at one the following numbers: