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Safeguarding Your
Information
In today’s high tech
world, we are able to do things more quickly
and conveniently electronically whether it
is to send a letter via email, pay bills or
even go shopping online. 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
Alabama Teachers 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 yourself 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 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. Play it safe,
do not send your personal information such
as account numbers, social security
numbers, passwords etc. via email or
texting.
-
Don't download that
file! Opening
files attached to emails can be dangerous
especially when they are 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
antivirus 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 address
directly and then log in.
-
Web sites aren't always
what they seem.
Be aware that if you
navigate to a Web site 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.
-
Monitory account
activity.
Monitor your account activity regularly
either online or by reviewing your monthly
statements and report any unauthorized
transactions right away.
-
Assess your risk.
We recommend periodically assessing your
online banking risk and put into place
increased security controls where
weaknesses are found; particularly for
members with business accounts. Some
items to consider when assessing your
online banking risk are:
·
Who has
access to your online business accounts?
·
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 dual controls or other checks and
balances with respect to access to online
banking transactions?
What to Expect From Alabama Teachers Credit
Union
-
ATCU will NEVER call,
email or otherwise contact you and ask for
your user name, password or other online
banking credentials.
-
ATCU 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 provider, Falcon,
approaches customer service calls.
Credit Cards
Our
card provider, Falcon (through FIS), will
identify themselves as Card Member Services
on behalf of ATCU. They will never ask for
your card number, expiration date or CVC
(security) code.
They
will:
·
Verify
the last four digits of your Social Security
Number.
They
may:
·
Ask to
verify the amount of your last transaction
or payment.
Depending on your answer about the
transaction in question, they may block your
card and either forward you to ATCU if it’s
during our normal business hours and if not
they will forward you to their Customer
Service.
Debit Card
Our
card provider, Falcon (through CO-OP), will
handle the situation the same as for credit
cards above. They will never ask for your
card number, expiration date or CVC code.
Rights
and Responsibilities
With
respect to online banking and electronic
fund 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
Master Account Agreement & Disclosures you
received when you opened your account with
ATCU. You can also find them online under
the disclosures link at
www.atcu.com. Ultimately, if you notice
suspicious account activity or experience
security-related events, please contact the
credit union immediately at 256-543-7040 or
toll free at 1-800-910-4808. |
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