First Credit Union ("we", "our", or "us") collects only relevant personal information about our members and potential members ("you" or "your") that the law allows, or requires us to have to conduct our business. Personal information is collected from you at the time an application for credit union membership, a loan or share savings account is submitted to us, at the time transactions are conducted through our online banking services, and at the time you provide information via e-mail (including the name, e-mail address, and any other information on the e-mail header).
For your protection, we use a process called SSL (Secure Socket Layer) to secure online credit union sessions taking place on secure pages. SSL encryption converts our Internet secure page communication between you and us - from your password to your money transfer requests - into a string of encrypted characters. Only we and your computer can decode the information. This process safeguards your online credit union transactions from intruders. We will deny members using a browser that is not set up with SSL encryption access upon login.
Also, First Credit Union is registered with DigiCert, a digital signature company, insuring that when you visit our web site it will be the credit union's web site and not an intruder acting in our name.
Card Skimming and Card Fraud
Card skimming is a type of fraud that involves the installation of a device over a point-of-purchase card reader or ATM that enables fraudsters to obtain card data that can be used for fraudulent activity.
Here are a few tips to help you protect your information this holiday season. Be wary if a card reader appears altered in any way. Immediately report it to the management of the location of the card reader. Also, be sure to cover the card reader keypad when entering your PIN. Some devices have PIN keypad enclosures, but most do not. Finally, notify a First Credit Union Member Service Representative immediately if you suspect someone may have your information.
Apple Pay Phishing
Credit Union Times magazine reported news of a new global phishing scam aimed towards the ID, password, and credit card information of potentially millions of Apple Pay users. Here is a link to the Credit Union Times article. Visit the Apple website for more information about phishing as it relates to Apple Pay. Also, please see information below for tips on how to protect your personal information. Please contact First Credit Union at (480) 756-5500 and ask for Payment Services should you have any questions.
U.S. Office of Personnel Management Data Breach
The United States Office of Personnel Management (OPM) announced on June 4, 2015 it identified a cybersecurity incident potentially affecting personnel data for current and former federal employees, including personally identifiable information (PII). Read entire June 4, 2015 OPM announcement.
Subsequently on June 23, 2015 the U.S. OPM announced additional systems were compromised including those containing information related to the background investigations of current, former, and prospective Federal government employees, as well as other individuals for whom a Federal background investigation was conducted. Read entire June 23, 2015 OPM announcement.
The U.S Office of Personnel Management recently sent letters to affected individuals with more information about the data breach and the availability of free credit monitoring services and identity theft insurance through CSID, a company that specializes in identity theft protection and fraud resolution.
For more information about:
- Contact CSID toll-free at 844-777-2742
- Visit CSID's website at www.csid.com/OPM
- Visit U.S. Office of Personnel Management's website at www.opm.gov
Please refer to the tips, information, and other resources available on this page to help you protect your personal information and identity.
You may have read or heard about the “FREAK Vulnerability” affecting online security. The FREAK (Factoring Attack on RSA-Export Key) vulnerability can affect web servers putting both companies and consumers at risk.
Please be aware First Credit Union has conducted an audit of its systems, servers, browsers, and third-party providers and found no vulnerabilities and all to be current and updated.
Generally a good way to stay safe from such vulnerabilities is to stay current with software updates for your web browser of choice as well as all of your devices including phones, tablets, laptops, and desktop computers.
Want to check your current web browser? ZDNet.com, an online technology news provider, makes reference to a “client checking tool” you can use free of charge to test your current browser for the FREAK vulnerability. Simply visit freekattack.com/clienttest where you'll receive either a “Good News!” message letting you know your browser appears to be safe or a “Warning!” message letting you know you may want to update your browser as it could be vulnerable.
For more information visit your device manufacturer and/or browser website.
Home Depot Data Breach
For more information about the Home Depot Data Breach, click here.
Protect Your Personal Information
First Credit Union is always looking out for the security of our members. We will never send you an unsolicited email or text message asking you for personal information. Never provide your personal information to links sent to you through email or text messages. Notify a First Credit Union representative immediately if you suspect someone may have your information.
Fraud Prevention Risk Management Service Information
First Credit Union works with a Risk Management Service that monitors card activity for possible fraudulent transactions in order to minimize risk and loss to our members and the credit union. A representative from the Risk Management Service will first attempt to contact you by phone during reasonable hours. If they are unable to reach you, they will send a message to the email that we have on file. This email message will include an incident number, that you’ll need when calling them to verify your transactions. They will never ask for personal information or card number. The number that you should see in the email message is 1-800-411-8498. However, you can also call the First Credit Union Phone Center at 480-756-5500 or 800-732-6986 toll-free outside the Phoenix area to verify the transactions with you and contact our card services department should further action need to be taken.
Enhancing Your Security Online
For your security we encourage you to peridocially change your NetTeller password. Please be aware to ensure a secure online banking experience, the credit union will prompt you from time to time to change your password, if you haven't already done so, as an enhanced security measure. Need assistance? Call us at 480-756-5500 or toll-free at 800-732-6986 when outside the Phoenix area.
Don't Be a Victim of Fraud
Before you send money to a stranger ask yourself these questions. If the answer is "yes" to any question then you may be a victim of fraud.
- Has someone told you you’ve won a prize or lottery and you need to send money to cover some fees?
- Have you received a phone call or e-mail asking you to help get money out of a foreign country?
- Has someone sent you a check and asked you to wire a portion of the funds back to them?
- Is the money for a transaction you did not or cannot remember having initiated?
Contact your local police department if you suspect you may be a victim of fraud.
It is important to us to help protect you from identity theft. There are many forms of identity theft and one common scam is known as "phishing". Phishing occurs when criminals attempt to defraud unsuspecting victims by creating forgeries of legitimate e-mails and websites. To shield your accounts from fraudulent activity, remember these best practices:
- First Credit Union will never request that you update or give out personal information via e-mail
- Exercise caution when it comes to e-mail messages threatening that your account has been suspended, deactivated or frozen or warning of unauthorized access to your account
- Never give out your personal information to an unknown source. Especially if you have not initiated the interaction
- Report any suspicious activity to the Federal Trade Commission
How to Report FraudFTC.gov
Learn how to safeguard your personal information and what to do if your identity is stolen.AZ Attorney General
Get information on how to prevent and detect fraud.