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, 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.
- What UNIFY Does to Protect Your Information
Here’s a sample of what we do to help ensure the protection of your accounts and identity.
- We monitor your accounts for indicators of fraud activity. If we see or suspect anything out of the ordinary, we’ll take steps to ensure the transaction is as you intended (including holding or denying payment) until we confirm with you.
- For certain transactions, we will send you a one-time password as an additional step of protection in verifying your identity.
- Whether you check your accounts by phone, in person, or online, we use multi-level authentication processes to make sure we’re interacting with the real you. Having your account or Social Security numbers will not be enough to gain access. Questions only you could have given us the initial answers to are examples of protection we provide to account verification.
- There are limits for daily payments and withdrawals that can be made on your account, including escalated approvals and authentication controls for higher amounts.
- If we get indication there has been a possible breach of your UNIFY Debit or Credit Card, we take immediate steps and issue you a new card with a new card number to protect your account. And, if your card is ever lost or stolen, we’re ready to assist you 24/7. You can call us or use the UNIFY app.
- If you use or sign up for eBanking, security alerts can be texted in real time. For example, you’ll get a text from us right away if an unsuccessful login is made on your account.
- You Helping You: Keeping Your Information Safe
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.
- Resources: We’re Here to Help
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.