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Due to system maintenance, website features, including rates and product applications, will be unavailable Monday, February 24, at 10 PM (PT) to Tuesday, February 25, at 2 AM (PT). Times listed are approximate. We apologize for any inconvenience.
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Protecting Your Information

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.

  • 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.
    • UNIFY’s Privacy Policy follows federal regulated safeguards for both physical and electronic to access to your data. Read our Privacy Policy for details.
    • 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.
  • Identity/Information Fraud Scams

    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.

    • Telephone “Spoofing” Scam: 
      Be aware of fraudsters claiming to be calling from UNIFY’s Contact Center phone number (877.254.9328). Typically, the fraudster states he/she is part of the UNIFY fraud prevention team and wants to verify fictitious transactions on your account. The fraudster then asks for personal information such as your credit/debit card number, PIN, eBanking username, and secure access codes. If you provide this information, the fraudster may have the opportunity to gain access to your eBanking and start transferring funds out of your account.  
    • Loan Scam: 
      This scam usually starts with the fraudster attempting to offer a “quick cash” loan solution. The scam results in unknowingly providing the fraudster personal information under the guise of qualifying you for a fake personal loan. 
    • E-Skimming:
      Scammers attempt to exploit weak links on websites which can result in redirecting you to a malicious domain where the “skimming code” can capture your individual data in real time. Your personal information can then be sold or used to make fraudulent purchases. 
    • Social Media Scams: 
      Fake online stores can be set up through social media sites and be advertised along the platform; payment is then taken for goods you will never receive.
    • Fake Donations/Charities:
      Similar to social media scams, donation fraud attempts often try to replicate a charity’s website to persuade you to donate money. 
    • Shipment Update Scams:
      In this con, the fraudster sends a fake email notifying you of a delivery failure or the request for updated shipping information. The email is made to look like it’s from the original sender, but will most often contain a link with malware.
  • 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.

    No Phishing
    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.

  • Freezing Credit: Pros/Cons

    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

    • You’ll need to contact the primary credit bureaus separately (Equifax, Experian, and Trans Union) and request a credit freeze; all three bureaus are necessary to ensure your credit reports are covered in full.
    • Each credit bureau will send you a confirmation with a Personal Identification Number (PIN) as secure reference for your requested credit freeze.

    Removing a credit freeze

    • You’ll need to request a temporary (known as a “thaw”) or permanent removal of your credit freeze, through the three credit bureaus, so potential lenders/creditors can review your credit report.
    • Depending on your state law, the credit bureaus are required to unfreeze your credit within a specified time frame; time frames can vary from within an hour up to three days.
    • The removal of the credit freeze can be done for a set amount of time or for a specified creditor; once the review of your credit takes place, the freeze goes back in place.

    Information to know

    • A credit freeze does not negatively affect your credit score.
    • Freezing credit is for protecting access to your credit information moving forward; existing creditors can continue to review your credit report to assess your current loans/lines of credit.
    • A credit freeze won’t protect your credit, debit, and/or ATM cards if they are lost or stolen.
    • Because removing a credit freeze takes time, you may want to hold off on your request if you know you’ll be applying for a loan or having your credit reviewed; once your credit is frozen, a quick response for review of your loan and/or approval is highly unlikely.

    Credit Bureau Contact Information
    Equifax:  800.349.9960
    Experian:  888.397.3742
    Trans Union:  888.909.8872

    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.

  • 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.

Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.