Protecting Your PC

CEFCU does everything possible to help ensure your financial information remains secure. Help protect your identity, too,
with these tips.

How We Work to Protect You

To help ensure your financial information remains safe and secure, CEFCU uses 128-bit secure sockets layer (SSL) encryption, monitors and constantly updates systems, and utilizes multiple security layers and strong business practices.

Internet security requires more than technology alone. Ultimately, when dealing with viruses, spyware, and computer hackers, each of us is responsible for protecting our own computer system.

How You Can Keep Your Computer Safer

Log off CEFCU On-Line® to help enhance the security of the site.

When you have completed your transaction, be sure to use the Signoff button (at the top of the page) rather than waiting for the time-out option.

Keep your Internet browser up-to-date.

For Internet Explorer (IE) users, go to Tools in your browser. Click on Windows Update and follow instructions to download the latest patches. If you have an earlier version of Firefox, click Check for Updates in the Help menu. For newer versions go to Options. The Update tab allows you to select how to check for updates.

Mac users should make sure their browsers are supported before logging in to CEFCU On-Line.

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Use a strong password and change it periodically.

Choose passwords difficult for others to guess and use a different password for each online account. If you believe any of your passwords have been compromised, change them immediately.


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When your computer is not in use, shut it down or disconnect it from the Internet.

Make sure you do not store more personal information on your computer than is necessary, especially on laptops.

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Keep your computer up-to-date with the latest patches for known vulnerabilities.

For Windows users, go to Tools in your browser. Click on Windows Update and follow instructions to download the latest patches.

For Mac users, choose Software Update from the Apple menu or set up automatic updates.

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Make sure your computer has the most current anti-virus software and run it regularly.

Anti-virus software needs frequent updates to guard against new viruses. We recommend you use a program to automatically upgrade your virus protection. If an automatic update feature is unavailable, update your virus detection program weekly, especially when you hear of a new virus.

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Run anti-spyware software to remove any spyware from your computer.

If your anti-virus product doesn't include spyware protection, install a reputable spyware detection product. One award-winning software program can be downloaded free at [EN ESPAÑOL].

Many commercially available anti-virus software can detect adware/spyware programs on your computer. If detected, you should remove them immediately. (Pop-up ads that appear when you're not using a browser often indicate adware/spyware is running on your machine.)

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Use spam filter software.

Internet Service Providers (ISPs) and email programs have spam filters available. Check with your ISP or your email program's instructions to see how to enable spam filters.

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Install a personal firewall to help prevent unauthorized access to your home computer.

This is especially important if you connect to the Internet via a cable or digital subscriber line (DSL) modem. Check your ISP's or computer manufacturer's website for information about personal firewalls and anti-virus and anti-spyware software.

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Don't reply to any email requesting your personal information.

Be very suspicious of and don't reply to any email from a business or person requesting your password; Personal Identification Number (PIN); credit or debit card number; Social Security number; or other highly sensitive personal information. Also beware of any email with your personal information that asks you to update or confirm it. Do not click any links in those emails that might direct you to another website.

CEFCU or Credit Union industry groups, like Credit Union National Association (CUNA) or National Association of Federal Credit Unions (NAFCU), will never send you email requesting personal information. If you believe your personal financial information has been compromised, contact CEFCU immediately.

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Leave suspicious sites.

If you suspect a website is not what it claims to be, leave the site immediately. Do not follow any of the instructions it provides. For Internet Explorer (IE) users, you can adjust your browser security setting to Medium, a level that makes it more difficult to interact with some websites (select Internet Options from the Tools menu, then choose the Security tab).

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Be alert for scam email.

Scam email may appear to come from a trusted business or friend, but it is actually designed to trick you into downloading a virus or linking to a fraudulent website to disclose sensitive information.

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Open an email only when you know the sender.

Unless you are confident you can trust the source, do not open attachments or click any links in an email directing you to a website.

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Do not send sensitive personal or financial information unless it is encrypted on a secure website.

Regular emails are not encrypted or secure and are much like sending a postcard. Anyone can read it. Look for the padlock symbol (near the bottom of your screen in Internet Explorer, near the top of your screen in Firefox) to help ensure a website is running in secure mode before you enter confidential personal information. For up-to-date information on secure websites, see the Online Security FAQs.

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Educate yourself on Internet fraud.

There are a number of websites with important information about Internet fraud, including information on or in the Federal Trade Commission's Identity Theft section [EN ESPAÑOL]. See Quizzes, Coaches, & Valuable Links for more resources.

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Check and monitor your credit report periodically, at least once a year.

Because of the Fair Credit Reporting Act, once every 12 months, you are entitled to a free copy of your credit reports from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

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Act quickly if you suspect fraud.

If you believe someone is trying to commit fraud and/or if you think you may have provided personal information in response to a fraudulent email or website, report the incident and change your passwords immediately. In addition, frequently monitor your account online to verify account transactions are valid.

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Seek advice.

If you are unsure if a request for your financial information is real, please contact CEFCU.

Together, we can help ensure your financial information will remain safe and secure, while providing you with convenient, quality online financial services.

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Beware of pop-up windows.

Some pop-ups are safe, like those used throughout TurboTax to guide you through the program. However, random pop-ups can actually be malware and install spyware to hijack your browser and capture your personal information.

In addition to not clicking pop-ups, help keep your computer safe from malware by:

  • Not opening messages from people you don't know.
  • Deleting spam (do not unsubscribe from it).
  • Avoiding get-rich-quick offers.
  • Staying clear of questionable websites.
  • Updating your operating system regularly.
  • Increasing your browser security settings.
  • Using antivirus and antispyware protection and a firewall.

Contact CEFCU for more information, to report a lost or stolen card for a CEFCU account, or to report a suspicious email.

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