Protecting Your Information Online: It Takes Two!
At Inspire, we are doing everything we can to keep your personal information safe. In addition to all of our efforts, there are a few things you can do on your end to reduce your risk of falling victim to fraud, identity theft, or phishing scams.
The first step is to get educated - so we have put together this resource, so you are armed with the knowledge to protect yourself on the web.
Internet Safety: What you should know
The more you know, the more protected you'll be. Here are some great tips on how to stay safe in cyberspace:
Create strong passwords. A good password is a combination of upper and lower-case letters and numbers. It is always good to get in the habit of changing your password frequently. Don't write it down or share it with others.
Don't reveal personal information via email or social media. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe. Do not send your personal information such as account numbers, Social Security numbers, passwords, etc. via email, texting, or social media.
Don't download unknown files! Opening files attached to emails can be dangerous, especially when they are from someone you don't know. Doing so can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a robust, up-to-date antivirus program on your computer.
Links aren't always what they seem. Never log in to your account from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, type in the URL address directly before logging in.
Websites aren't always what they seem. Be aware that if you navigate to a Web site from a link you don't type, you may end up at a site that looks like the correct one, when in fact it's not. Take time to verify that the Web page you're visiting matches precisely with the URL that you'd expect.
Log off when you're finished. When you are ready to leave a site you have logged in to, log off before you close the page.
Monitor account activity. Monitor your account activity regularly either online or by reviewing your monthly statements. Be sure to report any unauthorized transactions right away.
Assess your risk. We recommend periodically assessing your online banking risk and implementing increased security controls where weaknesses are found; particularly for members with business accounts. Some items to consider when evaluating your online banking risk are:
- Who has access to your online business accounts?
- How and where are usernames and passwords stored?
- How strong are your passwords, and how often are they changed? Are they changed before or immediately after terminating an employee who had access to them?
- Do you have dual controls or other checks and balances concerning access to online banking transactions?
Mobile Banking: Safety Best Practices
If you are accessing your online account from a phone or tablet, protect yourself by treating your mobile device like a computer. That means:
- Don't click on unsolicited links or download software from sources whose origin is not clear.
- Only use apps from the credit union or bank, not third-party apps.
- Only send messages via the secure message portal within the credit union mobile app.
- Be careful when mixing money, work and fun. Smartphones shouldn't be used for both visiting financial sites and visiting sites to download games. Often sites offering freeware or downloads contain viruses that harvest personal or financial information from a smartphone.
What to Expect from Inspire Federal Credit Union
- We will NEVER call, email or otherwise contact you and ask for your username, password or other online banking credentials. If someone is asking for this information over the phone, it isn’t us.
- We will NEVER contact you and ask for your credit or debit card number, PIN or 3-digit security code. Again, if someone calls you asking for this info claiming to be us, hang up.
- We will NEVER ask for your card number or expiration date.
Questions usually asked when a fraud detection call is initiated are:
- Last four digits of your Social Security number.
- Month and year of your birth.
- Your full address.
- Mother's maiden name.
- Joint cardholder's name (if applicable).
- If you are uncomfortable with the call, please hang up and call us back at the 800 number on the back of your card.
Our card provider, Mastercard®, will never ask for your card number, expiration date or CVV code.
Rights and Responsibilities
Concerning online banking and electronic fund transfers, the federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described in the Account Information Disclosures you received when you opened your account with Inspire Federal Credit Union. Ultimately, if you notice suspicious account activity or experience security-related events, please contact the credit union immediately at 215.788.5270.