Fraud Prevention Tips - InTouch Credit Union
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Fraud Prevention Tips

Password Tips:

A strong password is an important protection to help you have safer online transactions. Here are steps you can take to create a strong password. Some or all might help protect your online transactions:

  • Length. Make your passwords at least eight or more characters.
  • Complexity. Include letters, punctuation, symbols, and numbers. Use the entire keyboard and include punctuation, symbols and numbers. The greater the variety of characters in your password, the better. However, password hacking software automatically checks for common letter-to-symbol conversions, such as changing “and” to “&” or “to” to “2.”
  • Variation. Change passwords frequently. Set an automatic reminder to change your passwords to access your email, banking accounts, and credit card websites.
    • As a best practice, InTouch members who use our Online/Mobile Banking platform are required to change their password at least every 12 months. Members can certainly change their password more often, but passwords must be updated at least annually.
  • Variety. Don’t use the same password for everything. Cybercriminals steal passwords on websites that have very little security, and then they use that same password and user name in more secure environments, such as banking websites.

There are many ways to create a secure password and below are some suggestions that might help you begin to develop a password and ways to remember it:

Example:

Start with a sentence
Passwords that are complex are safe

Remove spaces in the sentence
Passwordsthatarecomplexaresafe

Use shorthand or misspell word
Passwordsthatrcompleksrsafe

Add a number that is meaningful
Passwordsthatrcompleksrsafe1951 (Date of birth for example)

Cyber criminals use sophisticated tools that can rapidly decipher passwords. Avoid passwords that use the following protocol:

  • Words spelled backwards
  • Common misspellings, and abbreviations
  • Sequences or repeated characters. (Ex: 12345678, 222222, abcdefg, or adjacent letters on your keyboard – QWERTY).
  • Personal information – your name, birthday, driver’s license, passport number, or similar information.
For more assistance, call our Member Care team, at 800-337-3328.

Phishing

Phishing is where criminals attempt to collect account numbers, personal identification numbers (PINs), usernames, passwords and other important information from individuals via faulty emails, websites, phone calls, links, etc. They then use the compromised information to access online banking accounts and/or commit identity fraud.

Remember, ITCU will NEVER contact you to verify security information such as account numbers, passwords or other personal information, we already have such information on file. Security verification information should only be requested when you initiate the contact with the credit union. This includes being locked out of Online Banking; if you become locked out of Online Banking, you will be notified during the login process, not by an unsolicited email. If ITCU sends you a text message fraud alert, it should only ask you to verify the validity of your most recent transaction via a “yes” or “no” response.

If you receive a phishing email or text that has asked for your information, links you to an unknown website or has illegally used our name, logo or website, please notify us immediately.

If you ever have any concerns about the authenticity of any communication you receive listed as from InTouch Credit Union, please type in ITCU.org into your web browser (do not click any suspicious email links) and use the Contact Us icon found on the homepage. Or you can call ITCU Member Care at 800-337-3328 and we will be happy to verify any email, phone call, text, etc., in order to help protect you from fraud.

Recommended Links

  • FBI Be Crime Smart
  • Stay Safe Online
  • Federal Trade Commission – The Federal Trade Commission homepage will provide the latest information on a wide variety of issues, including ID Theft and other forms of fraudulent activity.
  • On Guard Online Resources – This page, created by five US government agencies, offers a range of information on combating identity theft, phishing, spam scams, teaching children about online security and even a quiz to test how much you know about online security. The site contains information on reporting different types of online fraud. Also available in Spanish.

Additional Available Services

IDProtect® covers any checking account owner(s), joint account owners and eligible family members.

Identity Theft Service

See the latest information regarding current scams and other fraud trends.

View Fraud Alerts

For lost or stolen ATM and Mastercard® Debit Cards, please contact us to report the loss and immediately block your card.

Report Lost/Stolen Card

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