Multi-Level Security Layers
The best way to protect your information is not with a single practice, but rather several complementary security practices. By having multiple services to check, monitor and protect your sensitive info in our banking systems we are able to help ensure a safe online environment for our members. Security questions being presented to members periodically to confirm identity is just one way. Here are some common practices we use to protect your information while on our websites:
- Encrypted usernames and passwords
- Security questions
- Activity monitoring
- Text and email log in alerts
- Secure communication connections
Liability for Unauthorized Use/Unauthorized Transfers
If you permit other persons to use your Digital Banking account and password you are responsible for any transactions they authorize or conduct on your accounts. Notify us IMMEDIATELY if you believe anyone has accessed your accounts through Digital Banking without your authorization and you have incurred a loss for any transactions made on your account. If you tell us within two (2) business days after you learn of a loss, your loss is limited to no more than $50.00. If you DO NOT notify us within two (2) business days after you learn of a loss you could lose as much as $500.00. Please review your statements thoroughly. If you find transactions you did not make, notify us IMMEDIATELY. If you do not notify us within sixty (60) days after the statement was delivered to you, you may not be reimbursed for any loss you may incur if we can prove we could have stopped someone from taking money from your account if you had told us in time. If a good reason, such as a long trip or a hospital stay kept you from telling us, we may extend the time period. If you believe that someone has transferred, or may transfer, money from your account without your permission, contact the Credit Union.
