Protecting your identity and personal information is extremely important. At Arbor Financial Credit Union, the security of member information is a priority. We are strongly committed to the safety and confidentiality of your records. One of the best ways to avoid fraud is to become an educated consumer. Please take a moment to read this important information on ways to try and stay safe when conducting business online.

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How to Keep Yourself Safe Online

An important part of online safety is knowledge. The more you know, the safer you'll be. 

Use strong passwords. Use strong passwords and change them periodically. Try using a long combination of upper and lower case letters and numbers. Avoid using birth dates, addresses or phone numbers that are easily guessed. Don't write them down or share with others.

Never reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe, do not send your personal information such as account numbers, social security numbers, passwords, etc. via email or texting.

Don't download that file! Opening files attached to emails can be dangerous especially when they are from someone you don't know as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a good antivirus program on your computer that is up-to-date.

Links aren't always what they seem. Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into 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 Web site from a link you don't type, you may end up at a site that looks like the correct one, when in fact it's not. Take time to verify that the Web page you're visiting matches exactly with the URL that you'd expect.

Log off from sites 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 and report any unauthorized transactions right away.


Assess Your Risk

We recommend periodically assessing your online banking risk and put into place increased security controls where weaknesses are found; particularly for members with business accounts. Some items to consider when assessing your online banking risk are:

  • 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 they changed before or 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?


What to Expect From Arbor Financial Credit Union

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, FNIS Fidelity and Vantiv, approach customer service calls.


Credit Cards & Debit Cards

Our credit card provider, FNIS Fidelity, may identify themselves as Card Member Services. They may contact you to identify suspicious activity that they have detected on your credit card. They do utilize automated calls to verify the activity. Depending on the responses given by you, 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.
  • Verify the last four digits of your Social Security Number.

They may:

  • Ask for your full name.
  • Ask for your full card number.
  • Ask 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.


Our debit card provider, Vantiv, may identify themselves as 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/or SMS text messages to verify the activity. Depending on the responses given by you, they may transfer the automated call to a live operator. If unable to reach you, they may also 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.
  • Verify the last four digits of your Social Security Number.

They may:

  • Ask for your full name.
  • Ask for your street address.

If you are uncomfortable with the call, please hang up and call the Card Fraud Detection Department at 800.889.5280. 


Rights and 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. Ultimately, if you notice suspicious account activity or experience security-related events, please contact the credit union immediately at 800.442.7340.