Each year more and more Americans have their identity stolen and the staff and management of Credit Union of Atlanta (CUA) want to give you the information you need to help protect yourself against identity theft.
CUA cannot guarantee that your ID will never be stolen, but we will NEVER request personal information by email or text messaging including account numbers, passwords, personal identification information or any other confidential member information.
Fraudulent emails, which request personal or confidential information, may be designed to appear as though they are originated from CUA. If this information is requested in an email, even if it appears to be from CUA, please do not respond or go to any links listed on the email.
CUA will never contact you and ask for your debit/credit card number or you full SSN. If we need to contact you, it will always be done in a manner that protects your personal, confidential information and we will clearly identify ourselves. We will not ask you for information we already have.
CUA works with local regulatory and law enforcement departments to be certain any type of illegal activity is stopped as soon as possible. We have multi-layer security to protect your confidential information and will continue to be vigilant in protecting it.
If you suspect identity theft or have any questions regarding this notice, or to report any suspicious emails or websites, please contact us at 404-658-6465.
CUA is committed to protecting your personal information. Our Online Banking service uses several different methods to protect your information. All information within our Online Banking uses the Secure Socket Layer (SSL) protocol for transferring data. SSL is a crypto system that creates a secure environment for the information being transferred between your browser and Crane. All information transferred through Online Banking has a 128-bit encryption which is the highest level of encryption. In addition to the security features put in place by CUA here are some tips on keeping your information secure.
Tips for safe and secure Mobile Banking:
If at any time you do notice suspicious activity on your accounts, please notify a CUA representative immediately at 404-658-6465.
Identity theft involves the unlawful acquisition and use of someone's identifying information, such as:
Thieves then use the information to repeatedly commit fraud in an attempt to duplicate your identity which may include opening new accounts, purchasing automobiles, applying for loans, credit cards, and social security benefits, renting apartments and establishing services with utility and telephone companies. It can have a negative effect on your credit and create a serious financial hassle for you.
For more information about identity theft and other tips on how to protect yourself and your information please visit the following websites.
Computer Security: www.onguardonline.gov
Federal Trade Commission: www.ftc.gov/bcp/edu/microsites/idtheft
Federal Deposit Insurance Corporation Consumer Alerts: www.fdic.gov/consumers/consumer/alerts
United States Department of Justice: www.usdoj.gov/criminal/fraud
PO Box 105069
Atlanta, GA 30349-5069
To order a report: 800-685-1111
To report fraud: 800-525-6285
PO Box 2002
Allen, TX 75013-0949
To order a report: 888-397-3742
To report fraud: 888-397-3742
PO Box 1000
Chester, PA 19022
To order a report: 800-916-8800
To report fraud: 800-680-7289
Disclaimer: Links to other websites found here are provided to assist in locating information. CUA does not provide, and is not responsible for, the product, service, or overall website content available at a third party site. CUA neither endorses the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. CUA's privacy policies do not apply to linked websites. You should consult the privacy disclosures on any linked site for further information.
Debit card usage has increased dramatically in recent years and fraudulent use of debit cards has also increased.
We at CUA have some suggestions for you for the care and usage of debit cards.
This law is designed to protect consumers making electronic fund transfers. The term "electronic fund transfer" (EFT) generally refers to a transaction initiated through an electronic terminal, telephone, computer, or magnetic tape that instructs a financial institution either to credit or debit a consumer's asset account.
The Electronic Fund Transfer Act (also known as Regulation E) was issued by the Board of Governors of the Federal Reserve System and adopted in 1978 as an add-on to the Consumer Credit Protection Act. The law and regulation establish the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services and of financial institutions that offer these services.
Important Information for Business/Commercial Members
Business/Commercial members are not covered by Regulation E. As a result, it is critical that Business/Commercial members implement sound security practices within their places of business as outlined in the Program to reduce the risk of fraud and unauthorized transactions from occurring.
Corporate Account Takeover is a form of identity theft in which criminals steal your valid online banking credentials. The attacks are usually stealthy and quiet. Malware introduced onto your systems may go undetected for weeks or months. Account-draining transfers using stolen credentials may happen at any time and may go unnoticed depending on the frequency of your account monitoring efforts.
The good news is, if you follow sound business practices, you can protect your company:
Use layered system security measures: Create layers of firewalls, anti-malware software and encryption. One layer of security might not be enough. Install robust anti-malware programs on every workstation and laptop. Keep the programs updated.
Manage the security of online banking with a single, dedicated computer used exclusively for online banking and cash management. This computer should not be connected to your business network, should not retrieve any e-mail messages, and should not be used for any online purpose except banking.
Educate your employees about Cybercrimes. Make sure your employees understand that just one infected computer can lead to an account takeover. Make them very conscious of the risk, and teach them to ask the question "Does this e-mail or phone call make sense?" before they open attachments or provide information.
Block access to unnecessary or high-risk websites. Prevent access to any website that features adult entertainment, online gaming, social networking and personal e-mail. Such sites could inject malware into your network.
Establish separate user accounts for every employee accessing financial information, and limit administrative rights. Many malware programs require administrative rights to the workstation and network in order to steal credentials. If your user permissions for online banking include administrative rights, don't use those credentials for day-to-day processing.
Use approval tools in cash management to create dual control on payments. Requiring two people to issue a payment – one to set up the transaction and a second to approve the transaction – doubles the chances of stopping a criminal from draining your account.
Review or reconcile accounts online daily. The sooner you find suspicious transactions, the sooner the theft can be investigated.
CUA will never contact its clients on an unsolicited basis to request their security logon credentials such as the combination of the client's username and password. If you receive a request of this type, do not respond to it. Please call us immediately at 404-658-6465 to report any activity of this nature.
CUA will only contact its members regarding online banking activity on an unsolicited basis for the following reasons:
If you receive an unsolicited contact from a CUA staff member for any reason not cited above, your identity will be confirmed through a series of security questions and you will always have the option of hanging up and calling CUA to confirm that validity of our request. Remember, CUA will NEVER ask for your logon security credentials.
Is your company keeping information secure?
Are you taking steps to protect sensitive information? Safeguarding sensitive data in your files and on your computers is just plain good business. After all, if that information falls into the wrong hands, it can lead to fraud or identity theft. A sound data security plan is built on five key principles:
The following information is provided by the Federal Trade Commission, Bureau of Consumer Protection:
Know the nature and scope of the sensitive information contained in your files and on your computers.
Keep only what you need for your business.
Protect the information in your care and that you keep.
Properly dispose of what you no longer need.
Create a plan for responding to security incidents.
Online Banking Business/Commercial members are strongly encouraged to perform an annual Self-Assessment focusing on their online banking practices and network security. A Self-Assessment will evaluate whether the client has implemented sound business practices to address the five key principles outlined in the "Securing Your Business" section.
You are protected in a variety of ways when you use Online Banking; however, it is important to contact CUA in the event that your company's online access has been compromised. Also, report any unauthorized or unexpected transactions immediately.
Your account is protected against fraudulent transactions in a number of ways, so monitor your account balances and transactions frequently. If you want to report suspicious activity in your account(s), or if you have questions about the security of your account(s), you can call us at 404-658-6465.
The following links are provided solely as a convenience to our Business/Commercial Online Banking clients. CUA neither endorses nor guarantees in any way the organizations, services, or advice associated with these links. CUA is not responsible for the accuracy of the content found on these sites.
Identity Theft, Privacy, and Security Publications for Businesses
Learn how to avoid Internet fraud, secure your computer, and protect your personal information.
National Institute of Standards and Technology (NIST)
Computer Security Resource Center
SANS (SysAdmin, Audit, Network, Security) Institute's Twenty Most Critical Internet Security Controls