As a UNIFY member, the security of your personal and account information is a top priority. In this time when breaches of personal data are unfortunately becoming more common, we are vigilantly monitoring your accounts. Plus, there are a lot of good steps you can take to help protect your personal data on a daily basis as well.
Point to Remember: UNIFY will never ask you to verify your member number, full Social Security number, ATM, Debit/Credit Card number, PIN or any other sensitive personal financial information via email, pop-up window or text message. We recommend you never provide this information elsewhere unless you have specifically initiated such contact.
Here’s a sample of what we do to help ensure the protection of your accounts and identity.
See below for a list of some popular scam acts used by fraudsters in an attempt to gain your personal information and access to your accounts. Take special caution if any request seems out of the ordinary or you are asked to disclose sensitive identification information.
IMPORTANT NOTE: A UNIFY representative will never ask you to verify your member number, full Social Security number, ATM, Debit/Credit Card number, PIN or any other sensitive personal financial information via email, pop-up window or text message. We recommend you never provide this information elsewhere unless you have specifically initiated such contact.
As much as we can do to safeguard your accounts and personal data, you can do quite a bit to help protect yourself.
Always Monitor Your Accounts
Check your accounts frequently for any irregular activity or unknown purchases, and be sure to review your month-end statements. If you keep close watch of your account, you should be able to recognize inconsistencies quickly. You can also sign up for alerts through eBanking.
Please update us with any changes to your primary address and contacts, so we have the most current information to reach you.
Change Your Passwords/Make Them Strong
Changing passwords and using a mix of special characters/numbers on a regular basis is one of the easiest ways to help protect your information. Also, never use the same password on financial-related sites that contain any of your account information.
Protect Your Online Devices
Make sure your devices have current anti-virus/malware protection, and download the latest updates when they’re available. Also, it’s important to download or accept the updates for the operating systems on your devices to ensure your protection is current as possible.
If you make purchases online, always confirm there is a “lock” icon on the status bar on the site you are visiting before you share your personal information.
Watch Your WiFi
Avoid using WiFi hot spots at public spots like cafés, libraries, and airports that require you to enter personal or account information.
Review Your Credit Report
Check your report carefully for errors or inconsistencies that don’t make sense. If you find any, contact both the credit reporting bureau and the company that sent the information.
You can request a free credit report annually at annualcreditreport.com. Review for information you weren’t aware of or does not make sense. Check all of your lines of credit to ensure they were opened by you and not someone trying to use your information.
Cover Your Plastics
Protect your ATM, debit, and credit cards from “skimming.” Before you swipe your card for a purchase transaction, cover as much of the key pad as you can to make it difficult for an unauthorized device to capture your PIN.
Guard yourself against phishing scams which try to get you to provide personal or financial information to a person or business claiming to be legitimate. Most phishing scams are conducted through email, with messages containing links that ask for your personal data or download spyware to your computer or mobile device. Bottom line, if a message looks at all suspicious don’t click the link.
What does freezing your credit mean?
Requesting a freeze on your credit means the primary credit bureaus, Equifax, Experian, and Trans Union, will no longer release your information to potential lenders who make a legitimate inquiry. Freezing your credit, however, will not block authorized creditors and debt collectors from requesting your credit information. Also, you can continue to access your own credit records.
The main benefit of using a credit freeze?
A credit freeze guards against potential identity thieves and other unauthorized users from accessing your credit report to open new accounts.
The main drawback of using a credit freeze?
Applying and getting approved for a loan takes more time because potential lenders will not be able to immediately access your credit report with your credit being frozen.
It’s important to keep in mind, especially for larger loans like vehicles or homes, if you request a credit freeze, your lender may be “stuck” to advise and/or work with your loan request until the freeze is removed.
How to freeze your credit
Removing a credit freeze
Information to know
You can get a free copy of your credit report once a year at annualcreditreport.com.
To learn more about protecting your personal/financial information visit idtheftcenter.org.
Keeping your accounts and personal information safe in today’s environment is challenging. We’ll always focus on protecting your accounts and personal information, and we encourage you to take proactive steps to protect your information as well. If you notice anything out of the ordinary about your accounts or need help, call us at 877.254.9328—we’re here for you 24/7.
You can learn more about protecting your information at idtheftcenter.org.
No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.