Security and Protection
Skimming
You've probably heard of skimming, but what exactly is it? Skimming takes place when criminals copy information contained on your payment card's magnetic stripe and use it for unauthorized purchases, to make illegal cash withdrawals, or in the production of counterfeit cards. Skimming is today's fastest growing fraud problem.
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Phishing
An industry organization, the Anti-Phishing Working Group (http://www.antiphishing.org), reports that identity theft frauds known as “phishing” (pronounced fishing) attacks have increased significantly over the last year. Phishing is a term used for criminals’ attempts at stealing personal financial information through fraudulent e-mails and Websites designed to appear as though they were generated from legitimate businesses, financial institutions, and government agencies. These scams are contributing to a rise in identity theft, payment card and Internet-based frauds. E-commerce customers, including credit union Members, have fallen victim to these scams.
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Enhanced Security Features for Home Banking
At American First we’re dedicated to keeping your personal information secure. Enhanced Login Security, in Home Banking and BIll Pay, adds an additional layer of protection that helps to safeguard your personal information.
Along with your User ID and Password there will be additional authentication factors which will provide an additional layer of security.
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Zero Liability
When you use Home Banking, you can be confident that your online accounts are fully protected and 100% insured. We guarantee zero liability for any funds improperly removed from your account via Home Banking, including Bill Pay, subject to your responsibility described below.
This includes funds removed from any of your online accounts as a result of:
- Online theft of your account number or password
- Unauthorized online removal of funds from your accounts
Information Security
Safeguarding your information is our highest priority. All personal information requested or displayed on our website is encrypted to prevent unauthorized access to data. Our Hacker-Safe security system is checked and certified daily.
Your Responsibilities
As explained in the Home Banking Agreement, you are responsible for keeping your online password, account numbers, personal identification information and other account data confidential.
- Review account statements regularly and report any suspected unauthorized activity immediately by calling 800/ 290-1112.
- Protect your Account Number and Password. If you share this information with someone, all transactions they initiate with the information are considered authorized by you, even transactions you did not intend for them to make.
- Do not leave your computer unattended during a Home Banking session. In addition, always remember to "Sign Off" at the end of each session and close your browser window.
- If you suspect that someone else has your password or personal information, call 800/ 290-1112 immediately.
Please keep in mind that although multiple safeguards are in place to protect your online banking security, we cannot be responsible for Member errors or negligent use of Home Banking services.
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