Password Protection

Protecting your passwords is essential and your first line of defense against potential hackers. Review these tips to keep your online accounts safe.

• Password-protect every account you can, including credit card, credit union, bank, and phone accounts.
• Never store passwords on a laptop or notebook computer, as it may be lost or stolen.
• Store passwords in a safe place if you can’t memorize them, and never take them with you.
• Your password should never be shared with anyone. 
• Never write your PIN on the back of your ATM, Debit Card, or Credit Card.
• Keep a list of your account numbers and contact information in a secure location. 

Online Security Tips

• Create PINs and passwords that do not use readily identifiable information like names, birthdates, and phone numbers.
• Change your access code password frequently.
• Enabled Two-Factor Authentication whenever possible.
• Never send private account or personal information such as identification numbers, amounts, or share/loan identification numbers via email.
• Notify OUR Credit Union of suspicious emails or telephone inquiries, such as those seeking account information or online passwords.

Two-Factor Authentication (2FA)

Two-Factor Authentication, or 2FA, is a way to strengthen your account security by requiring two layers of identity verification. Instead of only relying on your password, 2FA confirms your identity using two methods. This reduces the risk of unauthorized access to your account even in the event your password is compromised.

Common methods of 2FA include:

• Biometrics, such as fingerprints and facial recognition
• Text message codes known as One-Time Passwords (OTP)
• Authenticator apps such as Microsoft Authenticator, Google Authenticator, Authy, and Duo Mobile

Additional Online and Mobile Safety Tips 

Guard Your Information
Know who you’re giving information to, especially on the phone and online. Be especially wary of disclosing your Social Security number, birthdate, and driver’s license number. Never do so unless you initiate the contact and never use your Social Security number as an account number or ID number.