security

^{United Federal Credit Union Security}

At United Federal Credit Union we believe that protecting your information is top priority. Our external and internal systems are under constant 24 hour, 7 days a week security monitoring.¹

How United Helps Protect Member Information

• United provides automated email alerts in response to suspicious activity related to online accounts. Additional alerting can be enabled  through Online Banking by clicking ‘Preferences’ then ‘Security’ in the left navigation bar. Next, go to the ‘Alerts’ tab for a full list of  available alerts.
• Our proactive approach helps protect our Members. Our Fraud Department is often aware of fraudulent transaction before they are visible on Member accounts, allowing us to stop most fraud before it can affect the Member.
• If fraud is detected on a Visa^© debit or credit card we contact the affected Member immediately and stop further activity to limit  fraudulent transactions.
• You will never get a phone call, email, or text message from United Federal Credit Union asking you to verify sensitive information or to provide login information. If you receive what you believe to be a  fraudulent message, do not respond to it.
• If you receive a suspicious message or suspect that you’ve become a victim of online fraud, please contact our Member Service Center toll-free at (888) 982-1400.

Things You Can Do To Protect Yourself

• Maintain updated anti-virus and malware protection on personal and portable electronic devices.
• Be on the lookout for warning signs that you may be a victim already, for example:
  • Rejection letters for credit you never applied for
  • Missing account statement or charges you don’t recognize
  • Collection calls for accounts you don’t have
  • Being denied a job, a rental agreement, loans or other credit for no clear reason
  • Abnormal credit report inquiries
• Never provide your personal information in response to emails or  phone calls that you didn’t initiate. Watch out for fraudulent emails  that may have authentic looking logos and familiar graphics.
• Use online access to accounts to routinely check for  transactions made by other people. Technology can be your main defense  against online crime.
• Don’t leave any computer or portable device unattended with  sensitive information on the screen. Make sure you completely log out of  all programs and close all windows that might display sensitive  information.
• Create complex passwords by using a combination of upper and lower case letters, symbols, and numbers.
• Check your credit report every year to verify that it’s accurate  and includes only authorized activities.  You can do this for free with  each of the three national credit bureaus (Equifax, Experian, and  TransUnion). Visit AnnualCreditReport.com for more information.
• Never write passwords or PIN numbers on the back of your debit or credit cards.
•  Whenever possible, sign up to receive e-statements – this makes  it harder for criminals to find sensitive information in your mailbox  or trash.
• Watch for over-the-shoulder snoops. When you use a public  computer, be on the look-out for thieves who look over your shoulder or  watch as you enter sensitive passwords to collect your information. At  home, keep confidential information out of sight.
• Do not save your login information. Always log out of websites  by clicking “log out” on the site. Many programs include automatic login  features that will save your username and password. Disable this option  so no one can login as you.
• Do not enter sensitive information into a public computer – you  don’t know what kind of anti-virus and malware protection is installed.
• On social networking sites like Facebook, limit the personal  information you share. Restrict access to your online profile and  periodically review your privacy settings. Never post your financial  information, SSN, birth date or address.