Privacy and Security: Staying Safe on the Internet

Our commitment to you

We are committed to protecting the security of your account information when you bank online, and utilize extensive security features to ensure you can conduct your banking in a safe and private online environment. Here are some of the ways we ensure your security. You can also find more information by visiting our Privacy and Legal sections (PRIVACY and LEGAL links on the top).

  • Only the correct Personal Access Code (PAC) selected by you can provide access to your account information.
  • We use 128-bit encryption to 'scramble' data sent to us by your browser into a secure, unreadable format that is safely received by our secure systems. With encryption, information in transit between your computer and our server cannot be read or changed.
  • Some browsers can create a more secure channel than others due to the strength of their encryption. We only use the strongest channel available referred to as 128 bit Secure Socket Layer (SSL). If you have a browser that only supports versions weaker than 128 bit encryption, you will need to upgrade your browser before using our site.
  • We use a "cookie" to maintain a connection with you. A cookie is a small amount of information, stored on your computer in an encrypted form that is intermittently sent to and from our server. It enables us to ensure that each request for information really came from you and that we deliver the information only to you.
  • The cookie also provides the information we need to automatically end your session if there has been no activity for a period of time. To restart your session, you need to provide your PAC again.
  • We have firewalls to prevent unauthorized access to our internal systems. Data coming to us from your computers via the Internet goes through a series of safety check points so that only authorized messages and transactions enter our computer systems.
  • We ensure your personal and financial information is protected within our in-house member service, financial systems, and databases.
  • Our computer hardware and telecommunications systems are physically secured.

What you can do

While we are doing all we can to safeguard your information, there are also important measures you can take to protect yourself when you bank online. Here are some valuable tips to boost your security when using CU@HOME.

  • To ensure a safe and secure Internet session, only visit reputable sites. If you visit any questionable web sites before entering the CU@HOME web site, we recommend you close and restart your browser before going to CU@HOME. Never leave your computer unattended while using our CU@HOME.
  • Always exit CU@HOME using the logout button and close your browser if you step away from your computer. Your browser may retain information you entered in the login screen and elsewhere until you exit the browser.
  • Prevent the browser from caching (storing) the pages that you view by using the enhanced security feature located on the login screen. We strongly recommend that you use this feature if you are accessing the CU@HOME site from a shared computer, such as at a friend's house or through a publicly-accessible computer, such as at a library or airport.
  • Secure or erase files stored on your computer by your browser so others cannot read them. Most browsers store information in non-protected (unencrypted) files in the browser's cache to improve performance. These files remain there until erased. Using standard computer utilities or by using your browser feature to empty the cache.
  • Do not use automatic password-save features in the browsers and software you use to access the Internet.
  • Install and use a quality anti-virus program. As new viruses are created constantly, be sure to update your anti-virus program often.
  • Install and use a personal firewall on your computer to ensure others cannot access your computer through the Internet.
  • Install new security patches, as soon as your operating system and Internet browser manufacturers make them available.
  • Contact your credit union immediately if you believe there are errors or omissions in your account.
  • Contact your credit union immediately if you become aware of any loss, theft, misuse, or unauthorized use. Outside of business hours, please call 1-800-567-8111 (toll-free number to report lost or stolen cards) and request that your Login ID be cancelled. You can then contact your credit union on the next business day to arrange for a new Login ID.

Protect Your Personal Access Code (PAC)

Your PAC is your key to online services Just as the key to your home protects you from unwanted intruders, your PAC ensures that only you can access your accounts. It's very important to safeguard your PAC at all times. Here are some useful tips to keep your PAC secure.

  • Do not select a PAC that is easy to guess (such as 12345) or is based on personal information (birth date, address, phone number, social insurance number. etc.).
  • Do not select a part of your PIN or another password.
  • Keep your PAC confidential. Do not write your PAC down or store it in a file on your computer. Don't share your with anyone.
  • Never disclose your PAC in a voice or email, and do not disclose it over the phone, especially cellular phones. For security reasons, we require you to visit a branch to initially set up your PAC.
  • Do not permit anyone to observe you typing in your PAC.
  • Change your PAC on a regular basis. We suggest every 90 120 days.
  • Contact us immediately if you suspect someone has gained knowledge of your PAC.
  • Standard email does not employ encryption and other security features. Since standard Internet email does not guarantee confidentiality, we recommend that you not include private or confidential information in such communications.

We welcome any questions and concerns. Please contact us for more information.