Keep the hackers at bay. A little education goes a long way.

Many people in Michigan no doubt wish they could spend less time worrying about online threats. But here's a good reason to stay vigilant: Perpetrators of fraud are working as hard to steal your personal data and wreck your finances as you are trying to stop them. To help you stay a step ahead of the crooks, Arbor Financial Credit Union urges you to read these tips about the best ways to conduct business online.

There are many steps you can take to safeguard your online security:

  • Use strong passwords. Use a long combination of upper and lower case letters and numbers. Avoid birth dates, addresses or phone numbers that are easily guessed. Don't write them down or share with others. And change them regularly.
  • Don't reveal personal information. Emails and text messages can be masked to look like they're coming from a trusted sender when they're actually from someone else. Don't send account numbers, Social Security numbers, passwords, etc., via email or texting.
  • Be wary of attachments. Opening files attached to emails sent by someone you don't know can unleash malware or viruses onto your computer. Make sure you have an up-to-date antivirus program.
  • Links aren't always what they seem. Never log in from a link embedded in an email message. Criminals make fake web pages that mimic the page you would expect. To avoid their trap, type in the URL address directly and then log in.
  • Web sites aren't always what they seem. Be aware that if you navigate to a site from a link you don't type, you may end up at a site that looks like the correct one when it's not. Take time to verify that the Web page you're visiting matches exactly with the URL you'd expect.
  • Log off when you are done. When you are ready to leave a site you have logged in to, log off rather than just closing the page.
  • Monitor account activity. Monitor your account activity regularly either online or by reviewing your monthly statements. Report any unauthorized transactions right away.

Here are ways to assess the risk of your online accounts:

  • Who has access to your online business accounts?
  • How and where are user names and passwords stored?
  • How strong are your passwords and how often are they changed?
  • Are passwords changed immediately after terminating an employee who had access to them?
  • Do you have dual controls or other checks and balances with respect to access to online banking transactions?

Arbor Financial Credit Union promises to do its part:

  • We will never call, email or otherwise contact you and ask for your user name, password or other online banking credentials.
  • We will never contact you and ask for your credit or debit card number, PIN, or 3-digit security code. Please see below for more information about how our card providers approach customer service calls.

Our credit card provider has these security protocols:

  • Our credit card provider, FNIS Fidelity, may identify itself as Card Member Services.
  • They may contact you regarding suspicious activity that they have detected on your credit card.
  • They do utilize automated calls to verify the activity. Depending on your responses, they may transfer the automated call to a live operator.
  • They will never ask for your card expiration date or CVC (security) code.
  • They will verify your street address or phone number, as well as the last four digits of your Social Security number.
  • They may ask for your full name, your full card number and for you to verify the amount of your last transaction or payment.
  • If you are uncomfortable with the call, please hang up and call the Fraud Alert team at 800.437.9392 or Member Services at 800.299.9842.

This is how our debit card provider might contact you:

  • Our debit card provider, Vantiv, may identify itself as the Card Fraud Detection Department.
  • They may contact you to identify suspicious activity that they have detected on your debit card.
  • They do utilize automated calls and SMS text messages to verify the card activity. Depending on your responses, they may transfer the automated call to a live operator.
  • If unable to reach you, they may mail an explanatory letter to you.
  • They will never ask for your card expiration date or CVC (security) code.
  • They will verify the reference number or card number, as well as the last four digits of your Social Security number.
  • They may ask for your full name and full street address.
  • If you are uncomfortable with the call, please hang up and call the Card Fraud Detection Department at 800.889.5280.

You can read about your rights and our responsibilities:

  • With respect to online banking and electronic fund transfers, the federal government has put in place rights and responsibilities for both you and the credit union.
  • These rights and responsibilities are described in the Account Information Disclosures you received when you opened your account with Arbor Financial Credit Union.
  • If you notice suspicious account activity or experience security-related events, please contact the credit union immediately at 800.442.7340.
Why choose Arbor Financial?
"They now have helped me with 2 loans and I am wowed to say the least. I tried another local credit union for one of the loans, it took them over a week to call back. Tonya had me hooked up with my new loan before the other credit union even bothered calling. They are very responsive to all my questions and even offered helpful advice to help build my credit even further! I am in the process of switching all of my banking over to them!" Jenn S Read More Member Stories  

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