ONLINE ACCOUNT SECURITY
Your online security is important to us. We take several precautions to ensure your information is secure. To access our secure area, you must enter your Logon ID and Security Code. As a security precaution, we store your Security Code in our database in an encrypted format that even we cannot decode. If you don't share your Logon ID and Security Code with anyone, no one will be able to access your information. When you are logged in, we use:
If your browser doesn't support SSL or 128-bit encryption, you will need to upgrade your browser. While we continue to evaluate and implement the latest improvements in Internet security technology, users of the system also have responsibility for the security of their information and should always follow the recommendations listed below:
When you follow these simple security measures, your financial activities will be completely secure. We look forward to serving your needs both today and into the future - securely!
KEEP YOUR INFORMATION SAFE
Computer viruses can expose security holes in your computer's operating system and even allow outside sources to access information that you have stored on your computer, including settings and personal information. Updates are regularly created to protect your computer from the new viruses that are created every day. It is important that these updates are installed regularly to keep your computer protected. Consider the following tips to help protect your computer from viruses and spyware:
Some computer virus scanning software won't detect some types of malware that can infiltrate your system. Be sure to use malware scanning software in addition to virus software to further protect your computer and personal information.
Fraudulent emails or phone calls known as phishing scams pose as your financial institution or other trusted businesses (such as the National Credit Union Administration – NCUA, for example) in order to obtain your personal and financial information. Phishing is a particularly devious scam because it attempts to exploit the relationship of trust that you have with those businesses.
HOW DID THE “PHISHER” GET MY EMAIL ADDRESS?
The email addresses used could have been gathered from publicly available places such as work or school directories. However, many individuals who receive phishing emails may not be associated with the financial institution indicated. The individuals behind the Phishing incident are just hoping to find a match of our members in the email database that they have created.
The best way to fight phishing is to stay informed. Help protect yourself from online fraud. Learn how to spot and report fraudulent emails, how to recognize a secure website, and what to do if you are a victim of fraud. The National Credit Union Administration (NCUA) provides information on various frauds and scams at www.mycreditunion.gov under the “Protect Your Finances” section.
WHAT TO DO IF YOU ARE A VICTIM
If you have provided information via a website or phone number, it is important to contact your financial institution or trusted business immediately to minimize possible damage to your finances and credit history.
Contact GraCo Federal Credit Union at 989-463-1247 or toll free at 866-463-1247.
Often fraud does not directly affect your personal financial institution records but may appear on your credit report. Thieves can use your information to open new accounts in your name. Order a free copy of your credit report annually at www.annualcreditreport.com to determine if any fraudulent activity appears.
REPORT PHISHING EMAILS
If you have received a fraudulent email, report it immediately to the financial institution or business that it appears to originate from to verify that the email you received is fraudulent. Do not use any contact information from the email to report the email to your financial institution or business.
SPOTTING A FRAUDULENT EMAIL
Look for the following signs to detect a fraudulent email: