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Tag:  Security

Card Security Reminder

Posted in Security
Updated October 15, 2018 7:27 PM
Fraud Prevention

Security Reminder: We’ll never ask you for your card’s expiration date or 3-digit code.

Corning Credit Union will never call and ask you to provide confidential information to verify your identity or your credit or debit card activity.  Even if a call looks like it’s coming from CCU, know that we’ll never ask you for your card’s expiration date or 3-digit code once you’ve activated the card.

If we ever suspect fraudulent activity may have occurred on your card, our  Visa Fraud Prevention Service may call regarding these suspicious transactions. However, this service will never prompt you to enter or state your card number, 3-digit code on the back of your card, expiration date, PIN, or member account number.

 

Creating a Strong Password

Posted in Security
Updated October 15, 2018 7:29 PM
What's Your Pass

What's your password? Don’t tell us (seriously, number one rule, don’t tell anyone your password!), just think about what your passwords are for a second. Are they strong and unique? Have you changed them lately? Do you use a different password for each account? If you answered no to any of these, you’re putting your personal information at risk. Here’s a quick reminder from our Information Security team on how to create a strong password and how you can help keep your information secure:

  • Consider including uppercase letters, digits, and/or symbols in unpredictable places. Attackers know that most people put numbers and symbols at the end of their password and uppercase letters at the beginning so using this trick can help throw them off.
  • Create a pass “phrase” instead of a password. This can be a series of random words or an entire sentence that only has meaning to you and can include spacing, punctuation, digits, and symbols. These are easier to remember, but still hard for hackers to figure out.
  • Change your password 2-4 times a year to give attackers less of a chance to guess your credentials and gather your information.
  • Never use the same password for all of your accounts. Once hackers figure out one password, they can use it on your other accounts to gain access to your information.

 

Protect Yourself from Identity Theft

Posted in Security
Updated August 28, 2019 12:46 PM
Shield

It’s no secret that instances of identity (ID) theft are on the rise. Unfortunately, many people are unaware of the steps they can take to help prevent it from happening to them. To help protect your identity and personal information, we encourage our members to follow the steps below.

  • Frequently review your account activity and immediately report unauthorized transactions. Don’t forget, you can monitor your accounts 24/7 with Digital Banking by logging in online or using our free mobile banking app.
  • Review your credit reports for accuracy. You are entitled to one free credit report each year. Click here to get started.
  • Don’t respond to emails, text, or telephone calls asking for personal or financial information. Note that attackers like to use news about a breach to form an attack via phishing and other types of scams. If you are approached, be cautious and seek out information through a trusted source.
  • Set up alerts on your account so you can be notified when suspicious transactions are detected. At CCU, you can enroll your CCU credit and debit cards in our text messaging fraud alert service. Learn more here.
  • Always use multi-factored authentication when available. Multi-factor authentication is a login approval process that helps protect your information. It is a layered approach that requires more than one method of authentication outside of your username and password to access your account.
  • Update Personal Identification Numbers (PINs) and passwords, including email passwords, and follow best practices (i.e. using long and complex phrases, and never re-using a password).
  • Consider enrolling in an identity theft protection service to help monitor your accounts and personal information.

Have you experienced identity theft? Here’s what to do.

  • Contact each of the three credit reporting agencies to notify them of the suspected ID theft or fraud.
  • Consider placing an initial fraud alert on your credit report. Doing this will require potential creditors to contact you to obtain permission to open new accounts or lines of credit. Keep in mind that an initial fraud alert only lasts for 90 days.
  • Consider putting a freeze on your credit file. This will block an institution from being able to access a report, lowering the risk of ID theft and the opening of fraudulent accounts in your name. Note that you must freeze and thaw at each credit agency separately. If you are applying for a new loan or line of credit, you must thaw the freeze by using a PIN/password ahead of time or the process may be delayed.

  Learn more about fraud alerts and credit file freezes, and which option may be the best for you.

We know that this can be an overwhelming and frustrating topic, but if ignored, there can be greater implications that could impact you and your credit. Don’t hesitate to contact us if you have any questions or concerns.


What is Identity Theft?

ID theft is a crime where someone steals your personal information (name, address, birthday, or social security number) to commit fraud. Once the thief has this information they can use it to apply for credit cards, apply for a loan, file taxes, get medical services, and more, all in your name. As the victim of this theft, your credit could be damaged and you could lose time and money in an attempt to restore your name. To make matters worse, you may not even know you are a victim of ID theft until these acts have already occurred.

 

Secure Your Digital World

Posted in Security
Updated October 02, 2019 1:02 PM
Sheild Icon

At CCU, we have many safeguards in place to help keep your personal information secure, and we want to help you protect yourself, too. Here are several simple strategies that you can follow to keep your information safe and secure online.

Secure Yourself

If you receive a message or a phone call that seems odd or too good to be true, chances are it’s a scam to get your personal information. Cyber attackers use phishing, a technique that uses spoofed or fake emails and fraudulent websites, to gain access to your information and steal your identity. Educating yourself on how to identify phishing scams will help keep your information secure. To help you, we offer detailed information on what to look for if you receive suspicious messages.

Secure Your Computers and Devices

Protecting your computers and devices is key to keeping your personal information safe. Here are some helpful tips on how you can protect any device connected to your home network:

  • Protect all devices with a strong Personal Identification Number (PIN) or passcode.
  • Ensure all devices are running the latest version of their software and whenever possible, enable automatic updating.
  • Enable and run the latest version of the firewall and anti-virus installed on your computer.
  • Use an up-to-date browser (Internet Explorer, Google Chrome, etc.).
  • Remove all personal information from your devices when you dispose of them. Simply deleting files from your devices does not actually delete your information. Mobile devices require a factory reset and computers and storage devices require that the hard drive be physically destroyed to ensure all of your personal information has been removed and cannot be recovered.

Secure Your Accounts and Passwords

So many of us use our computers and other devices to access or share information online, making us an easy target for hackers. Creating a strong and unique password for each site you use is a simple step you can take to protect your personal information. This short video explains why having a secure password is important and provides simple tips on how you can create a strong password.