1. Password Protection: Your accounts are protected by a password you set. As of December 1, 2011 you will be prompted to change your password every 120 days for added security. When an incorrect password is entered 3 times, the account is locked for your safety.
2. Encryption: Any information you enter into online banking is protected by Secured Socket Layer (SSL). This technology protects your information from prying eyes.
3. Network Architecture: The computers that store your information are not exposed to the Internet. As a further safeguard to keep your information safe, we utilize intrusion detection & prevention and virus detection.

• Visit Federal Trade Commission’s website http://www.ftc.gov for tips on how to avoid identity theft.

1. Set good passwords. A good password is a combination of upper and lower case letters and numbers and one that is not easily guessed. Change your password frequently. Don't write it down or share it with others.
2. Don't reveal personal information via email. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe, do not send your personal information such as account numbers, social security numbers, passwords etc. via email or texting.
3. Don't download that file! Opening files attached to emails can be dangerous especially when they are from someone you don't know as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a good antivirus program on your computer that is up-to-date.
4. Links aren't always what they seem. Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, type in the URL address directly and then log in.
5. Web sites aren't always what they seem. Be aware that if you navigate to a Web site from a link you don't type, you may end up at a site that looks like the correct one, when in fact it's not. Take time to verify that the Web page you're visiting matches exactly with the URL that you'd expect.
6. Logoff from sites when you are done. When you are ready to leave a site you have logged in to, logoff rather than just closing the page.
7. Monitory account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away.
8. Assess your risk. We recommend periodically assessing your online banking risk and put into place increased security controls where weaknesses are found; particularly for members with business accounts. Some items to consider when assessing your online banking risk are:

• Who has access to your online business accounts?
• How and where are user names and passwords stored?
• How strong are your passwords and how often are they changed? Are they changed before or immediately after terminating an employee who had access to them?
• Do you have dual controls or other checks and balances with respect to access to online banking transactions?

• Greater Kentucky Credit Union will NEVER call, email or otherwise contact you and ask for your user name, password or other online banking credentials.
• Greater Kentucky Credit Union will NEVER contact you and ask for your credit or debit card number, PIN or 3-digit security code. Please see below for more information about how our debit/credit card providers, Elan and Credit Union Card Center, approach customer service calls.

• Verify your street address.
• Verify the last four digits of your Social Security Number.

• Ask for the last four digits of your card number.
• Ask to verify the amount of your last transaction or payment.

With respect to online banking and electronic fund transfers, the Federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described in the Account Information Disclosures you received when you opened your account with Greater Kentucky Credit Union. You can also find them online under the Policies/Disclosures/Forms link at www.gtkycu.com. Ultimately, if you notice suspicious account activity or experience security-related events, please contact the credit union immediately at (800) 432-7393.

Source

OnGuardOnline.gov is the federal government’s website to help you be safe, secure and responsible online. The Federal Trade Commission manages OnGuardOnline.gov, in partnership with the federal agencies listed below. OnGuardOnline.gov is a partner in the “Stop Think Connect” campaign, led by the Department of Homeland Security, and part of the National Initiative for Cyber security Education, led by the National Institute of Standards and Technology.

The FTC, the nation's consumer protection agency, works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. The FTC enters consumer complaints into Consumer Sentinel, a secure, online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.