Many of us remember a time when we could safely leave our doors unlocked without
fear of intrusion or theft, but that time has passed. In much the same way, security
measures that were once sufficient to protect your account may no longer be adequate.
Identity theft is now the fastest growing crime in the nation, and Internet criminals
continually develop new techniques (such as phishing) to steal your personal information
and gain access to your accounts. To protect you from this sophisticated new generation
of Internet criminals, we have developed an extra layer of security to safeguard your
account information Online.
Phishing is a fast-growing Internet crime in which attackers “phish” (think fish) for your
personal information. They “bait the hook” by building a “fake” page that looks like your
credit union’s login page. They hope you will “take the bait”, believe it is a valid page,
and enter your login information. They can then record it and use it to access your account.
During the enrollment process (a one-time process that will require less than 10 minutes of
your time) you will select a secret security image and create a secret security phrase. The
image and phrase you choose will form your unique Enhanced Security combination, and will be
displayed during future logins. When you see them, you will know you have accessed our valid
web site. This will help protect you from unwittingly revealing your User ID and Password to
“phishers.” If you do not see your image and phrase, do not enter your password. Contact the
credit union immediately.
You will also select and answer three security questions during enrollment. During future logins,
if we are unable to recognize the computer from which the login attempt is made, or if the login
seems to be unusual in any way (for example, if it occurs at a time of day that is not historically
typical for your account) you will be required to answer a security question before login can continue.
This will help to safeguard your account against login attempts by unauthorized parties.
No. Enrollment is a one-time process. But you can choose to register each private computer you
intend to use to access your account. We are able to “recognize” registered computers more easily
and accurately than un-registered computers. The registration process is quick, easy, and requires
just a few clicks of the mouse.
We strongly recommend that you do not register a public computer (a computer housed at the library, etc.)
If online account access is available to you only through an un-registered public computer, you may still
access your account safely. During enrollment, you will select and answer three security questions. When
you attempt to login from an unregistered public computer, you may be required to answer a security question
in order to move through the login process.
If they are your financial partners, and you want them to have access to your account, they should know
the security image and phrase. We recommend you complete the enrollment process and answer the security
questions together.
If others use the same computer to access their personal account information, you do not need to share
your secret image and secret phrase with them. They will be able to log into their personal account from
the shared computer and complete the enrollment independently. They will select their own secret image
and phrase.
No. These Enhanced Security measures apply only to your credit union account with us.
Once you complete the enrollment process, you should always see your security image and phrase when
loging into your account. If you do not see your image and phrase, IMMEDIATELY DISCONTINUE
LOGIN AND CONTACT US.
Deleting cookies will make it more difficult to verify your identity when loging into your
account information. If we are unable to “recognize” your computer, you may be required to
answer a security question in order to move through the login process.
There are many reasons why you could potentially get challenged during login. If we are
unable to recognize the computer from which the login attempt is made, or if the login seems
to be unusual in any way (for example, if it occurs at a time of day that is not historically
typical for your account) you will be required to answer a security question before login can
continue. You may also get challenged if you close your Web browser without properly logging
out of the home banking site.
If you are challenged and cannot remember the answer to the security question, contact us and
we will re-set the system for you.
We are available to assist you throughout the enrollment process. Please feel free to contact us
at 956-787-2774 with any questions.
