Security measures over your personal computer can help defend you from fraud. A few rules of thumb: protect your device with a firewall, anti-virus, and anti-spyware software; keep your operating system and web browser up to date for the best security; always log out of your Online Banking session after you have finished. Following these guidelines will help reduce the risk of stolen personal information. Another tip for protection would be to set up the extra precaution of private browsing and set your browser to clear its cache at the end of each session.
Phishing is the attempt to acquire personal information by impersonating a trustworthy person or business in electronic communication. Follow these common rules when you suspect phishing:
- Be suspicious of any emails with urgent requests for personal financial information.
- Try not to click links in an email or text if you suspect the message might not be authentic. Instead, log on to the website directly.
- Always make sure that you are using a secure website when submitting sensitive information via your web browser. To ensure you're on a secure web server, check the beginning of the web address in your browser's 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 updated with the latest operating system, software, web browsers, and anti-virus protection.
USALLIANCE will never solicit sensitive information in an email. When in doubt, contact Member Services directly at 1 (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, protecting your electronic identity is more important than ever. Here are some tips to help keep our identity safe:
- 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 immediately after it has been out of your possession.
- 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 contact you if necessary.
What you should do:
If your card is lost or stolen, has unauthorized charges, or appears to have been compromised, 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.
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.
Suspicious Account Activity
To report suspicious account activity, don't hesitate to contact us!