WSECU invests a great deal to ensure our computer systems, networks and access points are secure. Protecting your confidential account information is one of our highest priorities. It is equally important for you to take the necessary steps to make sure your confidential account and personal information is not compromised due to vulnerabilities in your computer systems or behaviors.
Sophisticated identity thieves are now targeting home and business computers directly to access sensitive and confidential information. Criminals use a variety of techniques to gain access to your account and personal information, sometimes using ploys to trick you into providing it. Once they tap into your computer or gain access to your account and personal information, they can capture and use your user IDs, passwords or other information such as your card number information to pose as you. This could allow them to access your online accounts and/or create counterfeit cards based on information you may unknowingly provide.
How You Can Protect Yourself
WSECU strongly recommends that you take specific measures to ensure your online security. It is important that you never share your personal financial information if you did not initiate the contact or transaction.
Ensure your home and business computers are protected and scan for viruses daily. Use a firewall and never download unknown software. Don't rely solely on your online service provider for anti-virus protection. Regularly update your operating system, firewall and other security software. Refrain from accessing your online banking accounts through public or unfamiliar computers.
You can download the most popular anti-virus products*:
*Please note: There is a charge for some of these products.
Your Account Access
Never share your account number, card number or online access information. Always sign out of your online sessions and close your browser. Always memorize your passwords and don't write them down. Change your password frequently – industry best practice is every 60 days. Look for the following signs that you are on a secure site:
- The VeriSign security lock icon in your browser window.
- The web address will begin with "https" instead of "http."
Shred unneeded documents containing personal information and secure items that contain personal information in a safe place. You can also review your credit report free of charge at www.annualcreditreport.com once a year.
Your Next Steps
If your information has been compromised, the next step is to act quickly and contact one of the three credit bureaus and your financial institutions. You can contact WSECU by calling 800.562.0999.
For Business Members Accessing Online Banking
If you also use Online Banking for your business accounts, we strongly encourage you to take the following additional precautions:
- Implement controls that determine your employees' access to your business account and clearly establish authorized user authority.
- Monitor your account activity daily (including all outbound ACH and wire transfers).
- Consider workplace rules and technology that limit the use of entertainment websites at the workplace.
- Make sure all inbound e-mail is checked for SPAM and that malware is filtered.
- Instruct employees to be extremely cautious in clicking on any link sent via e-mail. They should inspect the link (by hovering over it) to make sure they are familiar with and trust the link to which they will be redirected.
- Conduct regular assessments of your Online Banking services, access levels and authorized users.
How WSECU Protects You
Online: Secure Sockets Layer
WSECU provides secure financial services through a protocol known as the Secure Sockets Layer (SSL). SSL prevents other computers along the route from eavesdropping by encrypting all data transmitted between our site and your computer. The sending end encrypts or encodes the data with one key before it is transmitted. The receiving end decrypts or decodes the data with another key.
The Secure Sockets Layer ensures that the data transmitted between your computer and our site has not been tampered with. Our site requires you to use a browser that supports SSL and cookies.
Account and Card Fraud Monitoring and Detection
WSECU employs leading technology in fraud monitoring and detection. These strategies play a critical role in enabling WSECU to protect your assets by allowing us to identify threats before they become issues and take preventive measures to protect your accounts and cards from loss. Fraud prevention is a joint effort between the credit union and its membership. We ask that you notify your local branch or the Contact Center if you plan to travel or will have out-of-the-ordinary expenditures. In addition, please advise us of any changes to your home, mobile or office phone numbers to allow for quick contact.
Minimizing the risk of current threats is a cooperative effort between WSECU and our members. Be cautious and aware of the current threats that could affect you: malware, phishing, smishing and vishing!
WSECU will not ask for personal information such as online credentials, account numbers or card numbers through e-mail, voice or text messaging.
E-mail Fraud (Phishing)
Phishing e-mails will often provide a website link that will direct you to a fake website. Don't be fooled! When you sign in to WSECU's Online Banking, the security image and phrase you chose will appear to verify that you are on our official site.
Malware includes all types of unwanted software such as computer viruses, worms, Trojan horses, spyware and adware that can create a pathway for criminals to gain personal information.
Text Messaging Fraud (Smishing)
Smishing uses mobile phone text messages to trick you into divulging your personal information. Often these messages will give the appearance that immediate attention is needed.
Voice Messaging Fraud (Vishing)
Vishing is facilitated by Voice Over Internet Phone (VoIP) to gain access to your private personal and financial information. For more information regarding fraud prevention and online security, please use the site search feature from our home page and use security as your search word.