Security

In today's electronic environment, it is critically important that online backing activity be carried out in a secured environment. This is probably the most important issue that we face in making internet banking available to our members. Using standard industry security techniques ensures that our members’ personal information is confidential. At My Healthcare FCU we use security technologies such as your personal identification number (PIN), encryption, and firewalls. Using you account number in combination with your PIN enables you to be uniquely identified as a My Healthcare FCU member to our internet site. Be responsible...

Keep your PIN, Password, and Account Number Secure!

► View Online Transactions Guide

(Important information to help ensure the security of your online transactions)

Phishing

Internet Pirates are trying to steal YOUR Personal Financial Information!
Here's a new type of Internet piracy called "phishing." It's pronounced "fishing," and that's exactly what these thieves are doing: "fishing" for your personal information. What they want are account numbers, passwords, Social Security numbers, and other confidential information that they can use to loot your checking account or run up bills on your credit cards.

In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phishing scam, these thieves can take out loans or obtain credit cards and even driver's licenses in your name! They can do damage to your financial history and personal reputation that can take years to unravel. But if you understand how phishing works and how to protect yourself, you can help stop this crime.

Here's how phishing works:
In a typical case, you'll receive an e-mail that appears to come from a reputable company that you recognize and do business with such as your financial institution. In some cases, the e-mail may appear to come from a government agency, including one of the federal financial institution regulatory agencies.

The e-mail will probably warn you of a serious problem that requires your immediate attention. It may use phrases, such as "Immediate attention required," or "Please contact us immediately about your account." The e-mail will then encourage you to click on a button to go to the institution's website.

In a phishing scam, you could be redirected to a phony website that may look exactly like the real thing. Sometimes, in fact, it may be the company's actual website. In those cases, a pop-up window will quickly appear for the purpose of harvesting your financial information.

In either case, you may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to a real financial institution, such as your mother's maiden name or your place of birth.

Never provide your personal information in response to an unsolicited request, whether it is over the phone or over the Internet. E-mails and Internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, you should not provide any information.

If you believe the contact may be legitimate, contact the financial institution yourself. You can find phone numbers and websites on the monthly statements you receive from your financial institution, or you can look the company up in a phone book or on the Internet. The key is that you should be the one to initiate the contact, using contact information that you have verified yourself.

A financial institution would never ask you to verify your account information online!

What is Identity Theft?
Identity theft is the fraudulent use of a person's personal identifying information. Often, identity thieves will use another person's personal information, such as a social security number, mother's maiden name, date of birth, or account number to open fraudulent new credit card accounts, charge existing credit card accounts, write share drafts, open share accounts, or obtain new loans.

How to Protect Yourself Against Phishing and Identity Theft:

  • Do not give personal information, such as account numbers or social security numbers, over the telephone, through the mail, or over the Internet, unless you initiated the contact or know with whom you are dealing.
  • Store personal information in a safe place and tear up old credit card receipts, ATM receipts, old account statements, and unused credit card offers before throwing them away.
  • Protect you PINs and other passwords. Avoid using easily available information such as your mother's maiden name, your birth date, the last four digits of your social security number, your phone number, etc.
  • Protect your checks, ATM, debit and credit cards.
  • Pay attention to billing cycles and statements.
  • Check account statements carefully to ensure all charges, share drafts, or withdrawals were authorized.
  • Guard your mail from theft.
  • Order copies of your credit report from each of the three major credit bureaus once a year to ensure that they are accurate.

What to do if you fall victim to identity theft:

  • Contact your financial institution immediately and alert it to the situation.
  • Report all suspicious contacts to the Federal Trade Commission through the Internet a www.consumer.gov/idtheft , or by calling 1-877-IDTHEFT.
  • If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau's fraud division:
Equifax
800-525-6285
P.O. Box 740250
Atlanta, GA 30374
Experian
888-397-3742
P.O. Box 1017
Allen, TX 75013
TransUnion
800-680-7289
P.O. Box 6790
Fullerton, CA 92634