We have never shared nonpublic personal information with non-affiliated third parties and will continue to operate in that manner at Unified Communities Federal Credit Union.
For our full Privacy Disclosure, click here.
Our Credit Union is constantly concerned about our member’s critical information and privacy. With this in mind, we have the following security services installed on our Internet server:
- Each server is behind a Firewall. This UNIX based hardware product blocks critical ports and IP addresses on servers from external attack and access.
- Each server runs proprietary software that constantly monitors the servers for unauthorized use and attempts to "hack" into information. Administrators are contact when forced attacks are committed, and countermeasures can be applied to stop these instances.
- All administrative activity requires user login and authentication. All administrative updates are logged into files that can be reviewed later.
- All servers come with a Network Solutions Certificate for digitally encrypted communications between the Web server and your member. Information passed in applications cannot be decrypted by third parties attempting to "pick" information being passed across the Internet backbone.
- All servers run the latest version of Apache Web Server, considered the strongest and most secure Web server software on the market.
Text Message Scams
The nation's millions of cell phone users have been a target for text messaging scams. The scam has been dubbed “smishing” (or SMiShing), a term derived from SMS technology that's used for cell phone text messages.
Although wireless telephone companies are working to block unwanted text messages, users are reporting increasing numbers of “spam” messages and smishing attacks. Adding insult to injury is the fact that users must pay for the text message they get on their cell phones.
Remember, UCFCU will never contact you via text message, e-mail, phone or any other way to ask for your account numbers or passwords.
How the scam works.
The scam is similar to the deceptive e-mail and phone schemes known as phishing and vishing. In all these forms of fraud, scammers try to trick victims into revealing personal information like account numbers, Social Security numbers, and passwords. The personal information is then used to withdraw money from victims' accounts or obtain credit in victims' name.
In smishing scams, cell phone users receive a text message that seems to come from a legitimate source, such as a bank, e-commerce site or other financial institution. The message seeks to dupe users into clicking on a link via the phone's internet connection, or into calling a certain phone number. Both the link and phone are fraudulent, and lead to requests for personal information that can be used for ID theft. Once your identity has been stolen, it generally takes much time and effort to try to regain your lost funds and your good name.
How Members Can Protect Themselves.
- Never respond to unsolicited requests for personal financial information received via text message – even if the request appears to come from a legitimate institution that they do business with. This includes request to “confirm, verify or update” information.
- Always know who you are dealing with. Don't click on links in text messages, or call numbers listed in text messages. Verify contact information independently, and key in web addresses yourself.
- Put passwords on all financial accounts.
- Monitor credit reports regularly for signs of irregularities. You are entitled one free credit report from each of the three major credit report. Visit www.annualcreditreport.com, call (877) 322-8228, or write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Report Text Messaging Scams.
To report text message scams, contact the FBI Internet Crime Complaint Center at www.ic3.gov.