Security Video Transcripts

Security Overview

Online Banking is made safe and secure with numerous safeguards in place to protect your privacy and ensure that only you have access to your online accounts. Let's take a look at some of the security features that make Online Banking a safe way to make important transactions.

Credit Union Security

Protection starts with rigorous physical security at our financial institution. We take the security of your money and confidentiality very seriously and have established systems and procedures to create a secure environment. For example, firewalls protect electronic access to financial institution computers, just like locks and security systems protect physical access. The firewall blocks all internet traffic except authorized request, and authorized users are strictly limited to accessing only their own accounts.

Government Regulations

The federal government establishes rigorous standards for the financial industry and ensures strict compliance. Financial institutions treat internet banking similar to credit cards and limit your loss from fraudulent transactions.

Internet Browser Security

All sensitive information traveling across the internet is encrypted with Secure Sockets Layer, or SSL encryption. In this process, the bank computer and your browser create a special key. Without that key, your data is just meaningless gibberish, virtually impossible for a third party to decipher. You know SSL encryption is at work when you see the lock or key symbol in your browser's status bar, or when the web address to the site you're visiting begins with “https” rather than just “http”.

User Security

You play an important role in ensuring online security. There are several active steps you can take to improve your general computer security when using Online Banking or any other online service. First, choose a password that is easy for you to remember, but hard for someone else to guess. This means avoiding passwords such as the names of family members and pets, birthdates, and phone numbers. Never write down your password, and never give it to anyone else. And always enter important passwords yourself. Don't let your computer save your password and enter it automatically. Take steps to protect your computer from malicious software by installing Anti-Virus and Anti-Spam utilities. Be sure to keep it up-to-date.

“Phishing” is a term used for an increasingly common online scam. Phishers attempt to get personal information by deceiving you into responding to an email or visiting a website which visually appears authentic. It's good to have a healthy skepticism of all incoming email, even those that claim to be from your financial institution. To be safe, never click a link in an email. To go to our website, always type the link yourself into your internet browser.

Identity theft is a real concern, but you are at greater risk of thieves stealing your paper documents from your trash or home mailbox than from your online transactions. Always shred any papers containing account numbers, birthdates, and any other personal information. Review all of your account statements carefully and report any suspicious activity immediately.

Secure Access Code

Before you can begin using Online Banking, you must enroll by completing an Online Enrollment form. If this is your first time logging in from any browser or mobile device, enter your User ID and password. You will then be prompted to choose the delivery method for your Secure Access Code. Your Secure Access Code is a one-time-use code that allows you to securely log in to our online banking system. Secure Access Codes are also used if you delete the security certificate, or cookie, that we’ve stored on your computer, or if you request log in from a computer not set up for repeated use. Choosing “Register Device” authorizes us to store a security certificate on your computer, which will speed up the verification process in the future and eliminate the need to use a Secure Access Code on each login.

Mobile Security

In addition to a secure Online Banking experience from your computer, we have also established a secure Mobile Banking experience as well. Equipped with the same login securities you're used to, such as User ID and password, security questions, and even a Secure Access Code, accessing your account via your mobile network adds an additional layer of security. When logging into your account through a mobile network, your connection is made via cell phone towers rather than the internet, lowering your risk for spyware, viruses, and other web-based malware.