Posted by tina on February 21, 2018 · Leave a Comment
Did you know that you can enable your account online if it becomes disabled? Just click on “Forgot Password” and follow the instructions. Once you have completed the instructions, your account will be enabled.
Posted by admin on January 12, 2018 · Leave a Comment
Guarding Against Account Hijacking- It is the fastest growing form of identity theft, and it can have the most devastating effect on us. It is called Account Hijacking, and some 2 million people are victimized yearly.
Account hijacking occurs when a criminal obtains your personal credit union information and uses it to take over your share accounts. It can take weeks or months to discover. Fortunately, there are steps you can take to protect yourself.
Step 1- Understand the Threat- Often, the account hijacker uses one or more methods to obtain our personal data. You should be particularly aware of two:
- Hijacking by Phishing deceives members into providing their user names, passwords, and account numbers via deceptive e-mails, fake Websites, or both. The classic phishing attack involves a deceptive e-mail that purports to be from a legitimate financial institution. The e-mail typically tell the member that there is some sort of problem with the customer’s account, and instructs the recipient to click on the included hyperlink to “fix” the problem. In reality, the fake Website is simply collecting member user names and passwords in order to hijack accounts.
- Hijacking with Spyware works by inserting malicious software, often referred to as “spyware,” on a person’s personal computer. Spyware can be loaded when a user opens a seemingly innocuous e-mail attachment or clicks on a pop-up advertisement. The spyware collects selected information (e.g., user names, passwords, and account numbers) and forwards that information to the fraudster.
Step 2- Fortify Your System- Here are some basic safety measures you can implement immediately:
- Password Protection- If your password is easy for you to remember, the chances are good it is also easy for an Internet hacker to figure out. Experts advise a combination of letters and numbers…and avoiding pet names, your home address, and similar easy-to-crack codes.
- Anti-Virus Software- Your computer’s anti-virus software is like a vaccine- it works at first, but you need to keep it up-to-date to guard against new strains.
- Anti-Spyware- Anti-spyware programs are readily available, and every computer connected to the Internet should have the software installed… and updated regularly.
- “Phishing Awareness”- If you receive an unexpected email, or one that you consider suspicious, delete it. Remember: your credit union will never email you and ask you to go to another site to “verify information.”
Step 3- Vigilance Pays- Chances are you will never be victimized by account hijacking identity theft. But if you are victimized, early detection is critical.
- Check your statements regularly. If something seems irregular, contact your credit union to discuss it. A recent study showed that members who monitor their accounts online discover problems sooner.
- Check your credit report at least annually. You are entitled to one free credit report annually from each of the three major credit bureaus. If a hijacker is misusing your credit, clues are likely to show up here. For a free report: www.annualcreditreport.com.
Your credit union is taking substantive measures to protect the safety and security of your accounts. B acting today to strengthen security at your end of the Internet highway, hijackers will have an even tougher time.
Posted by admin on January 12, 2018 · Leave a Comment
Safety and Security the Driving Forces– Financial institutions have invested heavily in recent years in the technology and infrastructure aimed at making your accounts safe from criminal hacking and data theft.
Enter the “smart card” with microchip technology, which adds a new layer of security to your card transactions.
With chip technology, each transaction is approved using a unique encrypted authentication code, making it far more difficult for unauthorized users to copy or access your personal information. That unique one-time transaction information also prevents a thief from making any additional purchases with stolen card data.
How Will My Transactions Change?– As a “smart card” user, you won’t see many changes in how you make everyday purchases. In the short term, card issuers will include both the microprocessor chip and the magnetic stripe technologies on newly issued credit and debit cards.
With magnetic stripe technology, a quick swipe is used to read the data. With smart cards, the chip is “read” when the card is dipped into the terminal.
Smart Card Protection- It is important to remember that “smart cards” safety measures work only for
in-person or card-present transactions at properly equipped retail point of sale terminal and ATM machines.
Online retail transactions using your “smart card” do not offer the same safety and security because the technology only works if a machine can physically read the chip on your credit or debit card.
Personal Security Remains Important- As always, you should take care to exercise personal security measures in the care and use of your credit and debit cards:
- Do not share your PIN (personal identification number) with anybody, and do not write it on your card; use strong passwords.
- When making online purchases with your card, make certain it is a trusted – and secure site.
- Check your statements regularly. If you notice any suspicious activity on your account, notify the credit union immediately.
- Check your credit report. You are entitled to one free credit report annually from each of the three major credit bureaus. Go to www.annualcreditreport.com
Posted by admin on January 12, 2018 · Leave a Comment
How would you like to receive $100? What do you have to do? Simply refinance an existing loan from another financial institution at Antioch Community Federal Credit Union, and we will deposit $100 into your savings account. All you have to do is fill out a loan application, give us your current loan information and we will take it from there. If you are interested, please download the application from this website or contact the Loan Department at 925-757-1320. You may refinance up to 5 loans from other financial institutions. Some restrictions may apply.
Posted by admin on January 12, 2018 · Leave a Comment
Download our Mobile App today. Go to Google Play Store or Apple ITunes Store and download ACFCU Mobile. Must be signed up for online banking before the app will work. If you are not signed up, contact our office to get the appropriate form filled out.
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