CU 24/7 Online Banking

Fraud Protection

MasterCard Debit Cards

Our card provider, Fiserv, will identify themselves as Card Member Services. They will never ask for your full card number, expiration date or CVC (security) code. Click Here to view recent Fraud Alerts.

They will:

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

They may:

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

If you are uncomfortable with the call, please hang up and call them back on the 800 number listed on the back of your card.

What happens when fraudulent activity is detected on my card?

  • You will be contacted by an analyst to verify the transaction.
  • You will be asked to verify your identity, but never your entire social security number.

What if you cannot reach me?

  • We may block your card for all additional transactions.

What if the transaction is mine?

  • Subsequent purchases will not be blocked

What if the transaction is not mine?

  • The transaction will be marked as suspicious and your card will be blocked immediately.

What do I need to do?

  • Make sure Greater Kentucky Credit Union has an up-to-date phone number on file at all times.
  • Keep Greater Kentucky Credit Union 's phone numbers with you, to call us in case your card is blocked and you are away from your contact phone.
  • We are proud to include this level of security as part of your standard membership with Greater Kentucky Credit Union.
  • To report Lost/Stolen Debit card (859) 231-9300 or (800) 432-7393 option 1, 2 during business hours and (800) 472-3272 after business hours

Visa Credit Card

Greater Kentucky Credit Union utilizes a fraud monitoring system called Falcon Fraud Manager, which screens card activity 24 hours a day, 7 days a week. If suspicious or unusual activity occurs on your credit card, a Falcon representative will call you on behalf of Greater Kentucky Credit Union. If you have any questions, please contact a Greater Kentucky Credit Union Member Services Representative at 859-231-9300. To report Lost/Stolen Credit card call 859- 231-9300 or (800) 432-7393 option 1, 2 during business hours or (800) 449-7728 after business hours. Out of the country Lost/Stolen Visa Credit Card call (727) 299-2449.

FREQUENTLY ASKED QUESTIONS:

How will this affect my existing card?

There will be no change to your current service unless you experience fraudulent or suspicious activity with your card(s).

What happens when suspicious or unusual activity occurs?

A Falcon representative will attempt to contact you at the phone number listed on file, to verify the transaction(s) in question. In some instances, a block may be placed on your card while a Falcon representative attempts to reach you to verify the transaction(s). What is the impact and what happens if fraud occurs? Your card will be blocked and you will be reissued a new card within the normal reissue time frame.

What happens if the charge is legitimate but Falcon is unable to get in touch with me?

A Falcon representative will try to contact you at the phone number listed on file and will leave a voice message, if possible, requesting a return phone call. Depending on the nature of the transaction(s) in question, a block may be placed on your card until such time as the transaction(s) can be verified. If this should occur, contact the Falcon Fraud Center at 800-830-8574 to verify the transaction(s) and unblock your card.

What happens if I travel somewhere new or need to make a large purchase that does not fit within the pattern of my normal activity?

Travel and large purchases do not necessarily indicate a suspicious or unusual spending pattern. There are numerous factors used to determine potential fraudulent transactions. If your card is blocked, contact the Falcon Fraud Center at 800-830-8574 to verify the transaction(s) and unblock your card. If you are travelling overseas, it’s a good idea to let us know ahead of time so that we can place notes on your account to minimize the disruption.

What will Falcon ask if they contact me?

A Falcon representative will seek to verify your identity prior to discussing transaction information with you.

What steps can I take to protect my account?

Greater Kentucky Credit Union encourages all members to monitor and identify any unauthorized activity on their accounts on a regular basis. Cardholders can review card activity online at www.gtkycu.com.

What can I expect from Falcon?

Individuals calling from Falcon will identify themselves as calling on behalf of Greater Kentucky Credit Union and will call only when there is suspicious or unusual activity on your credit card. When they are unable to reach you, they will leave their phone number, 800-830-8574 and a short message. Please note that they will be unable to provide other Greater Kentucky Credit Union services to you.

How We Keep Your Information Safe Online (click here to watch the video)

The Internet is a very powerful tool. At Greater Kentucky Credit Union, we do everything we can to protect your personal information including:

  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.

How to Keep Your Identity Safe (click here to watch the video)

Identity thieves most commonly retrieve your information from your trash, your mailbox or your lost wallet or purse. Another fast growing method that thieves employ is called phishing. Phishing is the act of using false or fake credentials to trick someone into revealing their private information or taking an action they normally wouldn't. Computer savvy thieves may also create a counterfeit Web site that looks familiar to you and email you the URL in an attempt to get you to "verify" your information. Always remember never to log in directly from a link embedded in an email; rather type in the URL yourself to avoid fake pages.

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

Safeguarding Your Information (click here to watch the video)

In today’s high tech electronic world, we are able to do things more quickly and conveniently whether it is sending a letter via email, paying bills or even shopping online. This increase in speed and convenience also comes with increased risk. Every day, unscrupulous individuals are busy developing new scams targeting the unsuspecting public. At Greater Kentucky Credit Union, the security of our member’s information is a priority. We are strongly committed to the safety and confidentiality of your records. Please take a moment to read this important information on how to keep yourself safe when conducting business online.

How to Keep Yourself Safe in Cyberspace (click here to watch the video)

An important part of online safety is knowledge. One of the best ways you can avoid fraud is to become an educated consumer and Greater Kentucky Credit Union Inc. would like to help you in this endeavor. The more you know, the safer you’ll be. Here are some great tips on how to stay safe in cyberspace:

  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?

What to Expect from Greater Kentucky Credit Union

  • 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.

What to do if Your Identity has been Stolen

  • Call Greater Kentucky Credit Union at 859-231-9300 for immediate assistance.
  • Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you at no cost.
  • Credit Bureaus: Experian, Equifax and Trans Union.
  • Close the accounts that you know or believe have been tampered with or opened fraudulently.
  • Use the FTC’s ID Theft Affidavit when disputing new unauthorized accounts.
  • File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
  • File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you.
  • If you believe you have been a victim of Mail Fraud, submit a mail fraud complaint form with the U.S. Postal Inspection Service.
  • FTC brochure; “Take Charge: Fighting Back Against Identity Theft”.
Rights and Responsibilities

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. Click Here to view the Disclosure page.  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.

For more information on how to avoid online scams, protect your identity or secure your computer visit www.onguardonline.gov/ or www.ftc.gov.

 

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