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Online Security

Online Security is important while doing your banking online. At Northland Educators Federal Credit Union, we take protecting your personal information seriously.

We have substantial security measures in place to protect against the loss, misuse, or alteration of information that is under our control. We also use the latest firewall and encryption technologies to protect individual identifying information transmitted over the Internet.

We provide useful information such as understanding potential online threats, how to prevent fraud, and what to do if you are a victim of fraud.

NOTE: Regular, non-encrypted e-mail is not secure. Accordingly, we encourage you to exercise caution regarding any e-mails that are sent through your e-mail service. We provide a direct, secure e-mail function on our website for inquiries which include your personal information.

How to Protect Your Information

Helpful tips to keep your information and identity safe from thieves.

Safeguarding Your Password

Helpful tips to safeguard your password.

Themes

Some of the ways in which a criminal tries to steal personal information.

What Should I Do?

Steps to take if you are a victim of any type of fraud or attempted fraud.


How to Protect Your Information

Helpful tips to keep your information safe.

Account/Credit Information

  • Review your statements carefully
  • Memorize your PIN numbers
  • Cancel unused or expired credit cards and shred them
  • Don't give your account or credit card information over the phone unless you initiated the call
  • Request a copy of your credit report annually
  • Sign up for e-Statements to avoid mail fraud
  • Use Online Banking to check your account information more frequently
  • Never use a publicly accessed or shared computer to conduct Online Banking transactions

Online Shopping

  • Shop from a secure PC
  • Shop smart and only at sites you know and trust
  • Consider your payment methods - Verified by Visa, MasterCard SecureCode
  • Suspect the suspicious
  • Do they have the appropriate contact information? Try it out
  • Review the company's return policy
  • Review the company's privacy policy
  • Know your rights

Device Security

  • Use strong passwords. An ideal password is long and has letters, punctuation, symbols and numbers
  • Lock your mobile device with a unique PIN code that only you know
  • Only download applications from a trusted source
  • Position your home router near the center of your home away from windows
  • Keep all software current (including your web browser) with automatic updates. Use firewall, antivirus, anti-spam, pop-up blockers and anti-spyware software from a source that you trust
  • Set up a security key for your wireless network and change the default network password
  • Never leave your computer unattended

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Safeguarding Your Password

Tips on safeguarding your password

  1. Never give your password to anyone, especially if prompted by an email or phone request.
  2. Never write it down.
  3. Make it hard to guess, so others won't be able to easily obtain it by making a good guess.
  4. Do not use common dictionary terms, pets' names, kids' names, your own name, or the word password.

Helpful hints for safe passwords

Make it something you can easily remember. Use a combination of upper and lower case letters, numbers and symbols.

  1. Create an acrostic from the letters of a phrase. For example, "I have too many passwords to remember!" could be a password of "Ih2Mp2r!". If you have to change the password with some frequency, use the password phrase and the numbers representing the month and year, "Ih2Mp2r!1210"
  2. Make up a nonsense word from pronounceable syllables, for example: a. NUKARGO (new-car-go) b. BLUSKYDAY (blue-sky-day) 3. Use special characters #, $, and @ with numbers to form pronounceable passwords: a. I81#ofF@ (I ate one pound of fat.) b. $$Talks2 (Money talks, too.)

These examples should assist you with creating your own unique password that you can easily remember without writing it down.

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Themes

Phishing

An unsolicited email, instant message, or text message attempting to obtain sensitive information such as usernames, passwords, credit card numbers, social security numbers, and account information. They often direct you to a fake website or to call a fraudulent number.

Vishing

Yes it is a real word. Similar to phishing, but using the phone as the means to obtain the information.

Telemarketing or Mail Scams

Criminals often use the phone or traditional mail to commit many different types of fraud, including sweepstakes and lottery frauds, loan fraud, buying club memberships, and credit card scams.

Virus/Malware

  • Virus - A computer program that can copy itself and infect a computer.
  • Malware - Malicious software designed to infiltrate a computer system without the owner's consent.

Card Skimming

Skimming is the theft of credit card information when performing an otherwise legitimate transaction. It is typically an "inside job" by a dishonest employee of a legitimate merchant. The thief captures a victim's credit card number using basic methods such as photocopying receipts or more advanced methods such as using small electronic device (skimmer).

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What Should I Do?

Steps to take if you are a victim of any type of fraud or attempted fraud.

If you are a victim of any type of fraud or attempted fraud, you should:

  • Retain all information - phone numbers from fraudulent calls, emails from suspected scammers and phishing attempts and anything else that could be helpful in locating the perpetrator.
  • Take action immediately and keep detailed records of your phone calls (follow up on these in writing within 30 days) and correspondence. Especially in the case of identity theft, keep track of the amount of money and time it takes to deal with the issues related to the theft.
  • Contact your financial institution(s)
  • If you have been victimized, contact the fraud departments of any of the three major credit bureaus to place a fraud alert on your credit file. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you free of charge.
    Transunion
    1.800.680.7289 / TDD 1.877.553.7803
    Fraud Victim Assistance Division
    PO Box 6790
    Fullerton, CA 92634-6790
    www.transunion.com

    Experian
    1.888.397.3742 / TDD 1.800.972.0322
    PO Box 9530
    Allen, TX 75013
    www.experian.com

    Equifax
    1.800.525.6285 / TDD 1.800.255.0056
    (ask the operator to call the Auto Disclosure Line at 1.800.685.1111 to obtain a copy of your report)
    PO Box 740241
    Atlanta, GA 30374-0241
    www.equifax.com
  • File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
  • File your complaint with the Federal Trade Commission on their website using the ID Theft Complaint Input Form.

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