Protecting your personal financial information is extremely important to us at Consumers Credit Union. Your Online Banking experience should be not only easy and convenient, but also safe and secure.
When you view or log on to any part of our website or Online Banking, we transmit your information
using full industry standard encryption. In addition, we regularly have experts on internet security test our systems. We have designed our site
to meet the highest industry standards for secure transactions while maintaining high availability.
What You Can Do to Safeguard Your Information
There are important steps you must take to protect the security of your accounts and information before, during and after your Online Banking sessions. If you suspect any unauthorized activity on your account, contact us immediately at 877.ASK.CCCU (275.2228).
Stay Secure Online
The security of your personal information is always a priority at CCU. We use a variety of technologies and techniques to help ensure that your accounts are safe and sound on our side. Here’s how you can help protect your information and money: Always approach communication from your digital devices with a critical eye. Play it smart and minimize your risks.
Here are some specific steps you can take:
- Protect your Email Account! This is a critically important way to secure your personal data and save you from having to deal with someone using your identity for fraudulent reasons, like stealing your money from your accounts. Anyone who gains access to your email account can reset your passwords on any other site, including Online Banking, and do anything you could do on those sites, such as wire money out, send checks to fake vendors, or max out your credit card. Use the highest level of security your provider offers for your email account, including:
- A secure, unguessable password that is not used on any other site. The most common way for hackers to get into your email is if you use the same password at other sites.
- Multi-factor (aka two-step) authentication – Most email providers allow you to use an authentication app such as Google Authenticator when logging in from a new device. This one security tactic can stop an account takeover in its tracks. For example, if you use Gmail, click here to learn how to protect your account with two-step verification.
- Never give your PINs (Personal Identification Numbers) or passwords to anyone.
- If you notice suspicious activity in your accounts, report it immediately to us.
- Always keep your PC and mobile devices up to date with the latest vendor supplied updates.
- Install anti-virus, anti-spyware and other internet security software on your PC. Use it regularly and keep it up to date.
- Be wary of emails you received from people you don't know, and don't open any attachments or click any links they may contain. When in doubt, delete the message without opening it.
- PLEASE NOTE: No one, including anyone at Consumers Credit Union, will ever ask you to transfer money to anyone (including yourself) in order to keep it safe or prevent fraud. If you get a call or text message like this or if you have any question about a communication you have received, contact us directly at 877.ASK.CCCU (275.2228).
We recognize how important it is to protect your identity from unlawful use and shield your accounts from fraud and unauthorized access. With that in mind, we want you to know that we will not ask for your CCU Username, password or multi-factor authentication (MFA) information in email. You only use your username, password and MFA challenge questions (potentially) when you log into Online Banking.
Furthermore, Consumers Credit Union will never:
- Send an email threatening to close your account if you do not take the immediate action of providing personal information.
- Send an email asking you to reply by sending personal information.
- Contact you and ask for your Online Banking password or other login information.
Beware These Common Scams
Anyone can fall victim to a scam. Scammers play on your trust and typically create a story with a sense of urgency to make you feel like you need to act quickly. Some common examples are:
- The Imposter: “This is the IRS and you owe back taxes. You must give us your account details to pay these taxes immediately or a lawsuit will be filed against you.”
- Online Romance: “I want to meet you in person but I can’t afford it. Please send me some money.”
- Fake Family Emergency: “This is the police. Your grandson has been arrested. If you wire bail money to this account number immediately he can be released, otherwise he will have to spend the night in jail.”
- Prize Winner: “Congratulations, you have won a fabulous prize! We just need to collect the taxes and fees. We will send you instructions for how to pay them.”
- Investment Scam: “This investment is a guaranteed winner! Are you ready to participate in this once-in-a-lifetime opportunity?”
- Tech Support: “This is Microsoft calling. We have detected malware on your computer. I can get that fixed for you right away, for a small fee.”
- Fake Credit Union Call: “This is Consumers Credit Union. There has been fraud on your account that I’d like to clean up for you right away. But first, just to confirm the account, can you give me your credit card number and read me the numbers on the back of your card?”
- Pay With A Gift Card: No legitimate company or organization will ever ask you to go to a store and purchase gift cards to be sent to them to pay a debt or fee. This is a popular way for scammers to get untraceable funds from you.
Remember, Consumers Credit Union will never ask you for confidential information like your username, password, PIN or other information when we contact you.
If you are ever contacted by a scammer and they ask for personal information or to send money, end the conversation immediately and call Consumers Credit Union at 877.ASK.CCCU (877-275-2228) to ensure that your account is protected.