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We are committed to educating our members about online security related issues and will use this page to keep you informed of any cyber threats that we feel may be important. Check back here often for new and updated resources, tips, and helpful links. If you believe that your personal computer has been compromised and are concerned about fraudulent activity on your Allegacy accounts, contact Member Services immediately at 336.774.3400 / 800.782.4670.

ATM Safety tips
Automated Teller Machines (ATMs) are a convenient and easy way for our members to withdraw cash, make deposits, transfer funds, and more. At Allegacy, member safety is a priority and we do our best to ensure your experience is a safe one. Each time you use an ATM, keep the following safety tips (provided by The Electronic Funds Transfer Association) in mind and remember online services are also available to help you with your financial transaction needs.

  • Always pay close attention to the ATM and your surroundings. Select an ATM in well lit location.
  • Maintain an awareness of your surroundings throughout the entire transaction. Be wary of people trying to help you with ATM transactions. Be aware of anyone sitting in a parked car nearby. When leaving an ATM make sure you are not being followed. If you are, drive immediately to a police or fire station, or to a crowded, well lit location or business.
  • Do not use an ATM that appears unusual looking or offers options with which you are not familiar or comfortable.
  • Do not allow people to look over your shoulder as you enter your PIN. Memorize your PIN; never write it on the back of your card. Do not re-enter your PIN if the ATM eats your card -- contact a credit union official.
  • Never count cash at the machine or in public. Wait until you are in your car or another secure place.
  • When using a drive-up ATM, keep your engine running, your doors locked and leave enough room to maneuver between your car and the one ahead of you in the drive-up line.
  • Closely monitor your statements, as well as your balances, and immediately report any problems to your financial institution.
  • If you are involved in a confrontation with an assailant who demands your money, COMPLY.

Source: The Electronic Funds Transfer Association

Security Tips
Keep your personal information safe when you go online.

  • We strongly encourage you to use anti-virus and anti-spyware software on your personal computers and keep them updated. We also suggest you set up a firewall and keep your operating system and all software updated with the latest security patches.
  • Allegacy will never contact a member and ask for secure private information. The member must initiate contact with Allegacy before private and secure information will be asked of them.
  • Allegacy will never send personal email communications to you without including the last 4-digits of your Member Number. This is for your protection and validates that the email originated from Allegacy.
  • You will never be prompted for sensitive data on our website, including WebBanking. Sensitive data would be full account numbers or complete Social Security Number, passwords, etc.
  • As a general precaution, you should close all other browser sessions and tabs before logging into a banking session.
  • Log off when done with WebBanking, WebMail and Social Media sites.
  • Change your passwords often and never share the password with anyone. Never write passwords or PIN numbers on financial statements, credit cards, Check Cards or ATM cards.
  • Keep personal information personal.
  • Don't open email attachments from anyone unless they are run through an anti-virus program.
  • Don't reply to spam, harassing or offensive email or forward chain email letters.
  • Avoid opening emails from people you don't know. Instead, delete all emails unread.
  • Don't be caught by the spammers' favorite trick, "Remember me?"

Identity Theft Prevention and Assistance
There are several easy actions you can take to protect yourself against identity thieves, both online and in real life.

  • Go paperless! Elect to receive important financial statements online rather than through the mail. Not only is it more secure, but you are doing the environment a favor as well. Login to Allegacy's WebBanking to enroll in eStatements today.
  • Shred any documents containing sensitive personal or financial information before putting them in the trash. If you do not own a shredder, many office supply stores and shipping/printing businesses offer shredding services.
  • Clean out your wallet. Carry only what you need – driver's license, debit card and credit card. Never carry your Social Security card in your wallet. This will minimize the amount of work associated with closing and restoring accounts.
  • Keep a second copy of all your important financial contact information. Photocopy or write down all of the 800-numbers on the backs of your debit and credit cards, and store this somewhere securely away from your wallet.
  • Protect your personal information online. Avoid posting your mailing address or phone number on social media sites like Facebook or Twitter. Thieves can use just a few pieces of key information to steal your identity – and your account information.
  • Enroll in a credit monitoring service through one of the major credit reporting agencies. You will be contacted immediately if they detect suspicious activity.

If you become a victim of identity theft:

  • Place a Fraud Alert with any one of the three credit reporting agencies. They will inform the other two. A Fraud Alert can make it harder for a thief to open more accounts in your name.
  • File a report with the local police department if a physical theft took place (i.e. a break-in at your home or car, robbery, etc.).
  • Contact the financial institutions with which you have accounts that were compromised or may have been compromised (credit card companies, as well as banks or credit unions who you have debit cards with).
  • File a complaint with the Federal Trade Commission.

For immediate and long-term steps to follow after identity theft, as well as what to do in cases of tax-related, child, or medical identity theft, visit the Federal Trade Commission's consumer section on Identity Theft.

More Information about Online Fraud*
Learn about the methods internet criminals use to steal sensitive information and tips for stronger passwords.

Phishing — When fraudsters send emails or use other communication methods to trick members into submitting personal identifying information, such as their usernames or passwords to online credit union accounts. Frequently, these communications will appear to originate from a trustworthy source like the credit union or a government agency.

Pharming — When criminals redirect traffic from one website to a fraudulent site set up to collect members' information. The fake website is designed to look and operate much like the authentic site. The member may then be prompted to "verify their account" by providing information like their credit card and Social Security numbers.

Malware — The term "malware" is short for malicious software. Criminals create emails, websites or other communications to prompt computer users to download the software to their personal computers. The malware then attaches other software, like Trojan horses, which appear to perform tasks the user desires. In reality, the Trojan is attacking the user's computer and, in some cases, steals sensitive information.

Keystroke logger — A type of malicious software that records the keys a user strikes on their keyboard. This is frequently used to monitor what a person types without their knowledge.

Here are some tips for stronger passwords:

  • The longer the better — Make sure passwords have at least eight or more characters.
  • Complexity is key — When possible, use special characters, numbers and symbols when creating passwords.
  • Vary it up — Change passwords often and don't use the same password for everything.
  • No personal info — Avoid using birthdates, spouses' names or similar information.

Home Depot Debit Card Compromise - September 18, 2014
Home Depot recently announced that their payment systems had been breached and you may be wondering if and how you may be affected.

First, rest easy. We are actively monitoring the Home Depot debit and credit data compromise and our primary focus is keeping your information secure.

  • Our Zero Liability policy ensures you're not responsible for unauthorized purchases made on Allegacy debit or credit cards.
  • Allegacy monitors your accounts 24/7. If we suspect suspicious activity, we’ll attempt to notify you and ask you about the transaction in question. If fraud is confirmed, a replacement card will be issued. (Please ensure that the Credit Union has a good telephone number to contact you. 336-774-3400).
  • If you've shopped at Home Depot from April 11, 2014 through September 7, 2014 - review your debit and credit accounts frequently, using our mobile app or online. Report any unauthorized transactions immediately to 336-774-3400.
  • We know how important it is to be able to use your debit and credit cards. If you would like your card replaced, we will leave your current card open until you receive and activate the new card, so you can continue to use it without interruption.

What do I need to do?

  • Continue to use your card
  • Monitor your account for unusual activity
  • Sign up for Text Message Banking (recommended)
    • You must have WebBanking set up to use Text Message Banking.
    • Standard alerts will provide updates on balances, last transactions etc.
    • Our Text Message Banking service is secure. Text messages will never contain confidential information about you or your accounts. Messages will never contain full account numbers.
    • Text message banking from Allegacy is FREE, but standard carrier fees for text messaging may apply. Please check with your mobile phone carrier if you aren't sure what fees apply when you send and receive text messages.

Where can I learn more about the Home Depot breach and the store's response?

Home Depot has confirmed the breach and is offering free identity protection services and credit monitoring for customers who used their cards at the store from April on. Updates on the situation will be posted to their website. Home Depot Media

Shell Shock - September 29, 2014
Allegacy's proactive approach to the "Shell Shock" vulnerability

At Allegacy, we take a proactive approach to protecting the safety and confidentiality of your data. You can feel confident knowing that we are taking the appropriate steps to monitor potential risk from “Shell Shock”, a bug you may have heard about in recent news. “Shell Shock,” also referred to as “Bash Bug,” potentially allow hackers to exploit vulnerability in “Bash” the UNIX shell program used by many web servers, computers, and MAC machines.

All systems within Allegacy’s environment have been checked and there are no instances where susceptible versions of the Bash program were in use on Internet-accessible systems were found. Additionally, we are verifying that our partners have taken steps to secure their systems.

We encourage you to remain vigilant about what information you share online, continue to monitor your account statements for unauthorized activity, change passwords regularly, and be cautious of what Websites you visit, sign on to, and what links you click since these may be vulnerable.

Please read our Security Tips for more information on protecting yourself from fraud.

*Heightened Authentication by National Association of Federal Credit Unions staff writer Chrisalyn Santos

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