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MEMBER EDUCATION

     
 

FRAUD PROTECTION

We know that when you share your personal information online, security is of the highest priority. Be assured that Northwest Community Credit Union shares your concern and employs sophisticated security methods. The instant you sign in to your secure Personal On-line Banking account, your user ID and password are encrypted using Secure Sockets Layer (SSL) technology. This precaution is intended to prevent anyone other than yourself and Northwest Community Credit Union from accessing your information.

For helpful tips on how to safeguard your personal information and computer from identity thieves, viruses and scams, please keep reading.

*By clicking or visiting any referenced sites, you will be leaving the www.nwccu.com Website. Please refer to the Terms of Use and Privacy Policy of this outside Website. Northwest Community Credit Union is not responsible for the quality, delivery or timeliness of goods or services of outside Websites.

General Security Tips

  • While anyone can fall prey to fraud and identity theft, many ways exist to minimize your risk.
  • Northwest Community Credit Union provides these security tips so you can guard against fraud and identity theft.
  • If you feel you may be a victim of identity theft, review our Identity Theft advisory in this section for more information and a list of resources.

Keep Information Private.  Be extremely careful if you have to use a library or other public computer to access your account, online fraudsters could have installed a keystroke logger to obtain your username, pin, answers to security questions, and password.

Fraudsters are known for masking emails and text messages to look like they come from a trusted sender.  Do not send your account number or personal information via email or text messaging to anyone.  Do not use a hyperlink that is located in an email to access NWCCU's online banking website and always ensure the login page web address starts with https.

Privacy

  • Never give out personal information online or over the phone unless you have initiated the contact. Northwest Community Credit Union will never request that you submit confidential information over non-secure channels such as e-mail or phone calls initiated by us.
  • Don't include information such as your driver's license or Social Security Number on your pre-printed checks.
  • Memorize all Personal Identification Numbers (PINs), such as your ATM card PIN and online passwords. Do not keep such numbers in your wallet or purse.
  • Avoid using easily guessed or learned information such as your on-line password or PIN.

Safeguard Accounts

  • Avoid writing your account number on envelopes or other items that may be thrown away later.
  • Shred documents that contain sensitive information such as Financial Accounts numbers, credit card numbers, credit card letter checks, or unwanted offers for credit.

For Business Accounts:
Perform risk assessment on your computer and controls evaluation periodically. Some examples of Risk:

    •  Risk related to online transactions that your business faces
    • The possibility of Internal Fraud
    • The lack of dual control or other checks and balances over individual access to online transaction capabilities

Some examples of Controls:

  • Segregating duties among two or more people so no one person has too much access or control
  • Conducting internal or third party audits of controls
  • Conducting employee background checks
  • Using password protected software to house passwords in

Protect Your Mail

  • If you stop receiving bills, statements or other monthly mailings, or if a bill is not received when expected, contact the issuing company immediately.
  • Promptly collect incoming mail, and use a locking mailbox if possible.
  • Send outgoing mail from a secured mailbox or a post office; try to avoid leaving outgoing mail in your home mailbox.
  • Shred all unwanted pre-approved offers for credit cards, convenience checks or loans.

Personal Computer Security
Introduction
One way a thief can get personal information about you is from your home computer. The following tips detail how you can add to the security of personal information on your home computer.

Passwords and User IDs
For each computer or on-line service you use, you should have a user ID and password. Try to create the most bizarre and original password, and make sure you protect it. Commit your password to memory and don't share it with anyone. The following easily identifiable items should be avoided when creating passwords:

  • Your birth date or a family member's birth date
  • Names of family members or pets
  • Social Security number
  • Phone numbers
  • Dates of important events, such as anniversaries

Tips for creating strong passwords:

  • Use a combination of numbers, letters and punctuation.
  • Longer passwords are better.
  • Make sure it's something you can remember without writing it down.

Install and Use Anti-Virus Programs
Viruses can infect a home computer in many ways: through USB Storage Devices, CDs, e-mail, Websites and downloaded files. Anti-virus programs help protect your computer against most viruses, worms, Trojans and other unwanted invaders that can make your computer "sick." Viruses, worms and the like often perform malicious acts, such as deleting files, accessing personal data or using your computer to attack other computers. If a file is found to be infected with a virus, most anti-virus programs provide you with options of how to respond, such as removing the harmful item or deleting the file. Installing an anti-virus program and keeping it up-to-date is the best defense for your home computer.

Firewalls: What Are They and How Do I Use Them?
Before you connect your computer to the Internet, you should install a firewall. A firewall can be generally described as a security guard for your home computer. The guard is a piece of software or hardware that helps protect your PC against hackers and many computer viruses and worms. With a firewall, you define which connections between your computer and other computers on the Internet are allowed and which are denied. There are firewall programs, both free and available for purchase, that provide the capabilities you need to help make your home computer more secure.

E-mail Scams: Phishing

Malware: Short for malicious software, often included in spam e-mails, this can take control of your computer without your knowledge and forward to fraudsters your personal information such as IDs, passwords, account numbers and PINs.

You can make your computer safer by installing and updating regularly your:

  • Anti-virus software
  • Anti-malware programs
  • Firewalls on your computer
  • Operating system patches and updates

RESOURCES
The following websites can get you started learning about your online security options. These are provided for information purposes; no endorsement of any product or service is intended.

Multi-Factor Authentication
Federal Financial Institutions Examination Council
www.ffiec.gov/press/pr101205.htm*

Anti-Virus & Firewall

McAfee Anti-Virus
www.mcafee.com*

Norton Anti-Virus
www.symantic.com*

ZoneAlarm
www.zonelabs.com*

Spyware
AdAware
www.adaware.com*

Microsoft Anti-Spyware
 
 
 
 
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