Identity thieves have become smarter and more sophisticated in their quest to gain access to your personal information. That is why LGFCU urges you to be proactive to protect yourself online.
Using Member Connect
- Never access Member Connect over an unsecured wireless network such as public WiFi or a home network that isn’t password protected.
- Avoid using Member Connect on public computers. But, if you must, always log out of your session and then close the browser.
- Never share your login information.
- To send personal or account information to the Credit Union, only use secure email after logging in to Member Connect.
- Review your accounts and transactions often and pay particular attention to electronic transfers.
On your home computer
Keeping your home computer up-to-date with the latest software and operating system is a great starting point for online security.
- Use an updated browser with at least 128-bit encryption.
- In general, always update to the most current operating system your computer can handle. If you are using the Windows Operating System XP or older, we recommend you update your system.
- Set your operating system to auto check for security updates.
- Install a firewall and antivirus software on your computer. Some popular and trusted antivirus software includes:
- Do not use the Auto Complete feature on your browser; this saves your access numbers and passwords, and will automatically enter this confidential information the next time anyone visits the sign-on page.
- Never download unknown software and try not to click on links in an email, even from trusted sources. You can retype the address or copy and paste the address into your browser.
Your passwords are the keys to your financial kingdom. Guard them well.
- Avoid using the same password for multiple sites
- Commit your passwords to memory if you can.
- However, memorizing so many passwords can be difficult! Consider using a password security app to store them.
- Password protect your mobile device for extra security.
- Change passwords frequently, at least every 60 days.
Monitor your credit reports
Under federal law, you are entitled to a free credit report once every 12 months from each of the three credit reporting agencies. Visit AnnualCreditReport.com for further information.
We recommend you check a different report every four months and keep track of your credit report for free throughout the year. For example:
- January - Get your Equifax report
- May - Get you TransUnion report
- September - Get your Experian report
If you would like more control over your credit report and who can view your credit history, consider placing a security freeze on your credit report. A security freeze prevents any credit bureau (also known as consumer reporting agency) from releasing your credit report without your direct consent. There is no fee associated with a credit report security freeze. You must request the freeze with each of the following three credit bureaus:
- Experian: www.experian.com/freeze or call 1.888.EXPERIAN
- Equifax: www.freeze.equifax.com or call 1.800.685.1111
- Transunion: www.transunion.com/freeze or call 888.909.8872
Protect your children online
In this wireless age, gaining online access has become a rite of passage for children. Whether it's research for a school project, gaming or socializing, make sure your kids—and their personal information—are safe online.
Be diligent about your children's online activity, and talk to them about what information is okay to share and what should remain private. Visit the sites they frequent and review the privacy policies.
The Children's Online Privacy Protection Act (COPPA) has put parents in charge of what information websites can collect from their children. Under COPPA, websites must receive parental permission before gaining personal information from children under the age of 13. Further information about this law—and other helpful tips—can be found on the Federal Trade Commission's site.
The more you know about identity theft and how it can happen, the safer you are.
Call the Contact Center with questions at 888.732.8562.
Learn more about the types of fraud you should be aware of.