Be vigilant: Here are two ways to work with us to protect your account information and your identity:
Steps you can take to protect your accounts
TruStar Federal Credit Union has invested in updated software, new sophisticated banking platforms and advanced security measures to provide you with a secure Internet banking experience. However, criminals who work online have become very adept at capturing personal data, and we need your help to ensure that your accounts stay safe and secure. Please review the following information designed to let you know how you can best protect your account information and your identity within your TruStar accounts and in all of your online transactions and communications. If you have any questions, please feel free to call our Technical Support number listed below.
- Protect yourself with anti-virus software. Keep your anti-virus software, your operating system and Internet browser up to date to take advantage of the latest security patches and software updates.
- Be cautious when you receive e-mail or text messages asking you to click on a link or call a phone number to initiate an action such as activating your credit card, ATM card or online account. Be wary of messages asking you to "confirm" or "update" your password or account information. Scam e-mails usually contain a link that takes recipients to a spoofed web site to capture their personal data. (The graphic quality and language of these contacts has become more sophisticated and authentic-appearing, with realistic artwork and stolen logos, so appearance has become less of a warning for vigilant online users.) You should also be aware that there are malicious software pieces which, if installed on a PC, can steal your log-in information and transfer that information to fraud perpetrators. They can be activated simply by clicking on a link in an infected e-mail.
- Please remember that TruStar never will ask you to provide personal information and/or account log-in or password via an e-mail. The only e-mails you will receive from the credit union will be responses to queries or messages which you have initiated.
- Never give your credit card number, your Social Security number, driver's license number or account details over the Internet or by phone unless you know for sure that you are dealing with the correct entity. "Phishing," or the use of e-mails that mimic those of legitimate banks, credit unions and merchants, has been on the rise in recent years. If you are in doubt, manually type in the entity's published website into your browser and find a phone number to call to verify the transaction.
- Choose passwords wisely and keep them confidential. Common password protection rules apply, including changing your password frequently, not using obvious combinations, not sharing your password, and not writing it down where others may find it.
- Use our TruPay system cautiously and judiciously, especially if you are away from home. Never leave your computer unattended while logged into your TruPay accounts, and be sure that you are not being watched while you are entering your information. Click "log off" when you are finished to ensure that no additional transactions can be processed. Be sure to close your browser after logging off.
- Contact us immediately if you believe that your account has been compromised. If you receive an e-mail asking you to supply personal information related to your TruStar Federal Credit Union accounts, consider the e-mail a "phishing" attack and report it to us as soon as possible.
Fighting Back Against Identity Theft
Deter identity thieves by safeguarding your information:
- Shred personal documents and paperwork with personal information before you discard them.
- Protect your Social Security number. Don't carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
- Don't give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with. Avoid disclosing personal financial information when using public wireless connections.
- Never click on links sent in unsolicited emails; instead, type in a web address you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer. Keep them up-to-date. If you use Peer-to-Peer file sharing, check the settings to make sure you are not sharing your sensitive private files with other users. Visit OnGuardOnline.gov for more information.
- Don't use an obvious password like your birth date, your mother's maiden name, or the last four digits of your Social Security number.
- Keep your personal information in a secure place at home, especially if you have roommates, employ outside help or are having work done at your house.
(Source: U.S. Federal Trade Commission)