Member Security
General Security
Security measures over your personal computer such as virus protection and physical access controls should be used and updated regularly. Protect your device with a firewall, anti-virus and anti-spyware software and keep your operating system and web browser up to date. It is a good practice to always log out of your Online Banking session when after you have finished your transactions. This will help reduce the risk of falling prey to session hijacking and cross-site scripting exploits. You may also want to set up the extra precaution of private browsing on your computer or smart phone, and set your browser to clear its cache at the end of each session.
Phishing Internet/Email
Phishing is the attempt to acquire sensitive information such as usernames, passwords and account information by masquerading as a trustworthy person or business in an electronic communication, such as an e-mail or an instant message.
- Be suspicious of any email with urgent requests for personal financial information. Phisher emails are typically not personalized, while valid messages from USALLIANCE are generally addressed formally and personalized.
- Do not use links in an email to get to a web page if you suspect the message might not be authentic. Instead, log on to the website directly by typing in the web address into the address bar.
- Always ensure that you are using a secure web site when submitting sensitive information via your web browser. To make sure you're on a secure web server, check the beginning of the Web address in your browsers address bar - it should be "https://" rather than just "http://".
- Regularly log onto Online Banking or Mobile Banking and review your accounts to ensure that all transactions are legitimate.
- Keep your device up to date with the latest operating system, software, web browsers and anti-virus protection.
USALLIANCE will never solicit sensitive information in an email. When in doubt delete the suspicious email and contact USALLIANCE directly at (800) 431-2754.
ATM/Debit/Credit Card Safety
With the rapid increase of online financial transactions and the escalating use of credit and debit cards, it's more important than ever to protect your electronic identity. Treat your card like cash; always store it in a safe place. Keep your personal identification number (PIN) to yourself. Shop carefully online – only use secure sites and network connections. Report a lost or stolen card at once. Review your account statements regularly. Never disclose personal information in response to an unsolicited request.
Preventing Check/Credit Card Fraud
What we do:
Our network performs real-time monitoring to analyze and score transactions, discover trends and detect suspicious activity. We review each suspicious transaction, monitor your account activity and call you if necessary.
When we detect a suspicious transaction:
USALLIANCE Card Security may try to reach you by phone to verify transactions. If we are not able to reach you a message may be left requesting you to call (888)918-7313. An investigator will never ask you for your member number or account number. However, you may be asked to verify your identity by answering one or more security questions.
What you should do:
If your card is lost or stolen, has unauthorized charges or appears to have been compromised in any way, please call:
For your protection:
If we suspect fraudulent activity on your card we may block your card prohibiting all transactions until we’ve confirmed the suspected activity with you.
Password Security
The complexity of your password is an important line of defense against fraud. The more complex your password is, the more difficult it will be for potential identity thieves to gain access to your account. Passwords should be at least eight characters and contain uppercase letters, lowercase letters, and numerals. Never use all or portions of your name, social security number, date of birth or phone number. Disregard the 'remember my password' option on shopping and banking sites.
Suspicious Account Activity
To report Member information security related events please contact USALLIANCE Financial at (800) 431-2754.
