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Online Security

Internet security requires more than technology. Viruses, spyware, and hackers are a constant challenge to businesses and individuals alike.

How We Work to Protect You

CEFCU uses 256-bit secure sockets layer (SSL) encryption, monitors and constantly updates systems, and uses multiple security layers and strong business practices.

Online Banking

  • Log off online banking when you complete your transactions.
  • Clear your cache/personal information after using online services.
  • Make sure your browser is up-to-date.
  • Choose a secure password and change it periodically.
    • Develop the longest password the system allows.
    • Use alphanumeric characters and special characters if the system allows.
    • Choose something easy to remember, but difficult for someone else to guess.
    • Do not write down your password.
    • Do not share your password with others.

Small Business Tip: Protect Your Wireless Network

  • Set up your router securely. If you don’t secure your router, anyone can easily gain access to sensitive, personal, or financial information on your devices.
  • Use encryption on your wireless network. Encrypt the information you send over your wireless network, so that nearby attackers can’t understand your communications. Use at least WPA2 or WPA3 encryption, and that it’s turned on. Wireless routers often come with the encryption feature turned off.
  • Have a plan for saving data, running the business, and notifying customers if you experience a data security breach.
  • Back up important files offline, on an external hard drive, or in the cloud. Make sure you store your paper files securely too.


Never reply to emails requesting personal information. Be suspicious of any email requesting things such as passwords, Personal Identification Number (PIN), tax ID, or credit or debit card numbers.

What To Do If Your Email is Spoofed

Email authentication helps keep your business email from being used in phishing schemes because it notifies you if someone spoofs your company’s email. If you get that notification, take these actions:

  • Report it. Report the scam to local law enforcement, the FBI’s Internet Complaint Crimes Center at, and the FTC at
  • Notify your customers. If you find out scammers are impersonating your business, tell your customers as soon as possible — by mail, email, or social media. If you email your customers, send an email without hyperlinks. You don’t want your email to look like a phishing scam.
  • Alert your staff. Use this experience to update your security practices and train your staff about cyber threats.

For more information and tips, visit OnGuard Online.