Identity Protection Tips
Never give out your Personal Information
Regardless of what information is being asked of you, you should always:
- Question the source – Do you personally know the person or institution calling? Is the information they are asking for, information they should already have on file?
- Never give out your personal account information - This includes your account number or your online banking or mobile banking login credentials.
- Never sign into online banking and grant access to your computer by a remote source – This includes calls from “computer update” representatives or someone trying to “deposit money into your account”.
Cornerstone Community Financial takes your security very seriously, and we will never ask you to provide your account number. We may however, ask you to verify some information so we can be sure we are speaking to the correct person. Some examples of information you may be required to answer include:
- A combination of digits of your social security number (but never your entire number!)
- Your mother’s maiden name
- Email address or phone number
We will also ask additional questions regarding your relationship with CCF, as a step to further confirm your identity. Keep in mind, these will be facts about your account that only you as an account holder will know. These questions are designed to prevent fraud on your account, and are generally pieces of information that are very difficult to obtain from someone other than yourself.
If you ever receive a call or email from a bank or credit union, or any other financial institution or organization that asks you for personal information, be cautious. When in doubt, ask for a call back number so you can contact us or your primary financial institution first. We will be able to help you determine the validity of the call or email.
Have you Changed your Password Lately?
One way to avoid fraud and identity theft is by regularly changing your passwords to applications that access your sensitive personal information. We suggest changing your online banking and mobile banking passwords at least once every 90 days.
The password you choose for online banking will also give you access to mobile banking, so please keep in mind when you change your password this will apply to both.
To change your password in online banking, follow the steps below:
- Log in with your current online banking credentials.
- Click the "open" tab at the top of the page.
- From the left hand side of the drop down menu, select “Change Password” and follow the simple instructions!
If you have trouble changing your password, contact us and we will be happy to assist you!
Shop Safe When You're Out and About
Protect yourself from becoming a victim of ATM fraud with these tips:
- Don't let anyone distract you and stay close to the machine when using an ATM.
- If someone moves close to you while using the ATM, do not enter your PIN. Hit cancel and walk away.
- Check your card before you leave the ATM to make sure it is yours.
- If you need help, ask a staff member — not a stranger. If you feel uncomfortable at an ATM, cancel your transaction.
- Never give anyone your PIN, including bank or credit union employees.
- Never let your card (ATM, debit, or credit) out of your sight.
- Do not leave your card lying around.
- If you lose your card, report it immediately.
Be Alert — Sign up for eAlerts!
Take charge of your account by signing up for eAlerts. You can set up notifications that will alert you when certain types of transactions take place on your account. This way, you can monitor your account activity and you will know immediately if something doesn't look right.
Signing up is easy:
- Log into online banking.
- Click “eAlerts.”
- Read and accept the terms and conditions.
- Follow the on-screen prompts until finished!
Once you are signed up, all you have to do is click "Add Alert" to start setting up the alerts you'd like.
If you have trouble signing up for eAlerts, contact us and we will be happy to assist you!
Protect Your Identity
Cornerstone Community Financial wants to make sure you know the facts about email and electronic fraud so you can defend your personal information and your accounts.
Cornerstone will never ask you to provide account or other personal information via email, phone, or text.
From time to time you may receive emails from us promoting Cornerstone products or services, announcements, or changes to your accounts, but in these emails we will provide a contact person or number at the credit union for you to contact should you have any questions.
As a reminder, never divulge any personal identification information if requested via an email, phone call, or text.
Personal information includes:
- Account or credit card numbers
- Passwords or PINs
- Social Security number
- Mother's maiden name
If you receive a request from someone claiming to be from Cornerstone asking for account or personal information, or if you believe you are a victim of identity theft, please alert us at (800) 777-6728.
Identity Theft Resources
View a checklist (PDF) of what you should do if you become a victim of ID Theft.
Read our brochure (PDF) about taking charge when your identity is stolen.
Protect yourself from card skimming with this helpful information (PDF).
Want to learn more about Identity Protection? Click here for a short tutorial.