By taking some simple precautions, you can increase your level of online security. While technology has made things easier, nothing will protect you against fraud if you are careless with personal information. By keeping your personal information secure and being aware of security, you can play an important part in protecting your personal financial information and preventing fraud.
Listed below are areas you can focus on to keep your personal information secure.
|Be Aware of Fraudulent Emails|
Be very cautious of emails that have a link to a website and/or an Internet Banking site that asks for personal details, your member number, your Internet Banking access code and/or credit card details.
You should be very cautious of any email that asks you to reply with or enter your personal details no matter how real it looks. Do not reply to emails that request your:
|Protect Your Member Number/Access Code|
To access your accounts, you will need your member number (or user created login name) and a personal "password". Your password protects the security of your information. Passwords will only keep outsiders out if they are kept secret!
Here are a few helpful tips to assist you in choosing and using your access code:
Care should always be taken in unknown areas, like internet cafes: to prevent any other persons viewing your member number and password, this applies equally to people watching the keyboard or watching the mouse on the screen.
|Log in Through the Correct Sites|
Only log in to Internet Banking by using the:
Never access Internet Banking from a link in an email. If in doubt, contact us.
|When using Internet Banking Look for the "Closed Padlock" Symbol at the Top or Bottom of your Web Browser|
When logging into or using Internet Banking, look for the closed padlock symbol at the bottom or top right corner of your web browser. You can double-click the padlock symbol to view the server security certificate's details. The certificate informs your browser that the web site you are connected to is in fact Family First Credit Union's and not a "fake" site. The closed padlock images appear below.
|When using Internet Banking Look for "https:/" in the Address Bar|
|When using Internet Banking, check to see that you are correctly accessing our secure site by looking at the address bar at the top of your browser. Check to see that the web address begins with "https://". Web addresses that begin with "https://" are secured (unsecured addresses start with "http://").|
|Log Out After Using Internet Banking|
Always log out completely from Internet Banking and close the browser session after you have finished. When leaving your computer unattended, you should either shut it down or physically disconnect from the Internet connection. This lessens the chance that someone will be able to continue to use your current connection. We recommend that you do not access Internet Banking via public access computers, eg Internet cafes, universities etc.
As an additional precaution, the Internet Banking system has been set to automatically log out after 5 minutes if your banking session remains unattended.
Spam is all unsolicited electronic mail sent out in bulk to individuals that have not consented to receive it. "Spammers" use email addresses harvested from websites or procured by means without the owners' consent.
A filter is kind of software that sorts incoming emails and rejects those it considers spam.
Protect your Email Address Online
Spammers have typically used two techniques for gathering email addresses: 'dictionary attacks' and 'harvesting'. While both of these techniques are now outlawed under the Spam Act 2003, you should still exercise caution.
|Protect your Email Address when Publishing it on Your Website|
If you want people to be able in touch with you through your website, you can limit the risk of spam by using a non-personal email address or setting up an online form for visitors to complete (rather than giving them your email address).
For further information, click on the following links:
|Update Virus/Spyware Protection|
A computer virus is a program that attaches itself to another program, but changes the action of that program so that the virus is able to spread. Anti-virus software is designed to protect you and your computer against known viruses, worms and Trojans. A Trojan is a malicious program disguised as something harmless, such as a game or a screen saver, which in fact contains hidden code that allows an intruder to possibly take control of your machine without your knowledge.
Visit the Internet Industry Association National AntiVirus Initiative www.iia.net.au/novirus to find out more.
"Spyware" is the collective name given to software that is installed on your computer to secretly obtain information and send it back to another source. Spyware programs can be installed through a virus or as part of another software installation e.g. a 'freeware' program.
Spyware can be removed from your computer by:
For more information on "spyware" detection tools, visit www.tucows.com.
|Keep Your Computer Software Up to Date|
Virus writers and hackers look for vulnerable areas of software programs to gain unauthorised access to PCs. Publishers of software programs provide updates from time to time to solve vulnerabilities that are discovered in their programs. The publisher will normally release a security upgrade as a 'patch' to your existing program.
You should check your computer security on a regular basis and download the latest security updates. To check for updates and patches you should visit the publisher's website, typically in their 'Download' section.
Use the latest version of your Internet browser: we use 128-bit technology in data encryption to protect your personal information. To take advantage of this feature you'll need to ensure you are using the latest version of your Internet browser.
|Disable Password AutoComplete Settings on your Internet Browser|
Auto Complete functions remember your personal information and passwords.
We recommend you consider disabling the auto password auto completion function on Internet Explorer by clicking on Options, Internet options, selecting the Content tab, clicking AutoComplete; deselect the 'Use AutoComplete for user names and passwords on forms' box. You can clear any stored passwords in this section also.
In addition, do not download any computer software that remembers and pre-populates any of your access details required to logon to Internet Banking.
|Keep Track of Your Records|
If you print or save copies of your account records/transactions, make sure these are kept in a secure location.
If you suspect that an unauthorised transaction has occurred, please contact us immediately.
If you have any questions, please contact us. enquire now