Online Banking Security Overview
Secure Log in
Camino Federal Credit Union never transmits your personal information without first ensuring there is a secure connection. Before sending your account number and password to Online Banking, your browser will establish a “secure” connection that will encrypt your data. Your information is then encrypted and sent to our systems. At any time you may check your browser compatibility and level of security.Once the session is established, on most browsers you will notice a padlock in the status bar indicating your information is secure and your session is encrypted.
Feel secure at Camino Federal Credit Union
Protecting our members’ personal financial information is very important to us. Because there is an ever-growing number of ways criminals can commit fraud, we’re committed to keeping our members informed. That’s why we’ve compiled resources and information that will help you recognize and report potential fraudulent activity.
Protecting Your Online Experience
With thousands of members visiting Camino Federal Credit Union’s website each month, it’s important to know that we have measures in place to help protect www.CaminoFCU.org from potential attacks. While no financial institution is 100% immune to fraudulent attacks from would-be identity thieves, we monitor or have implemented several layers of protection to minimize the chances of a successful intrusion. Below is a brief overview:
- Our domain name is secured. We use Internet service providers who host our domain name across different segments of the Internet (including other continents), as well as provide added security over these domain names. This helps to “lock down” our domain name so members encounter less risk of being redirected to a fraudulent site without their knowledge or permission.
- The website’s host is protected. Our hosting service maintains the server running our site with the latest security patches available. And, this data center provides the highest level of “up time” to members in the event of something unforeseen—such as a natural disaster in Southern California.
Online Banking is encrypted. It goes without saying that you expect your online financial transactions to be protected to the highest degree possible. When you access Online Banking, your financial information is automatically encrypted. From the moment account information leaves your computer to the time it enters Camino Federal Credit Union’s system, all online banking, website, bill payer and other internet sessions are encrypted. Camino Federal Credit Union employs some of the strongest forms of encryption commercially available for use on the Web today.
During any transaction, our 128-bit encryption turns your information into a scrambled sequence with billions of variations, making it nearly impossible for intruders to decipher. Camino Federal Credit Union computers possess the proper formulas to turn this code back into meaningful information and complete your transaction.
Look for a "closed lock" icon in the lower right-hand corner (Microsoft Internet Explorer) or in the right end of the address bar (Firefox 2) or in the top right corner (Safari) of your browser to determine if encryption is being used on any Web page you are viewing. Any Web address beginning with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."
Do not use your Social Security number as a user name or password. Change your user names and passwords regularly and use a combination of letters, numbers and “special characters” such as “pound” (#) and “at” (@) signs. Do not use your online banking password as a password for other online accounts.
Protect your online passwords. Do not write them down or share them with anyone.
Protect your answers to security questions. Select questions and provide answers that are easy for you to remember, but hard for anyone else to guess. Do no write down your security questions or answers or share them with anyone. Avoid using the same questions to protect your Camino Federal Credit Union online account and other Internet services.
Termination of Session. Always log off from any website after making a purchase with your credit, debit card or when using Online Banking. If you can not log off, shut down your browser to prevent unauthorized access to your account. Always close your browser when you’re not using the Internet.
Timed log-off. Camino Federal Credit Unions systems will automatically log you off Online Banking after 10 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.
Firewall. Camino Federal Credit Union computer systems are protected 24 hours a day by powerful firewalls that block unauthorized entry. In order to gain access to authorized information, the Web browser you are using must know the proper protocol, or language, and even then only select information is available.
Cookies are a piece of information-stored directly on the computer you are using. Camino Federal Credit Union may place cookies on your hard drive for security purposes, to facilitate site navigation and to personalize your experience. If you chose not to accept cookies from our site, then you may not be able to access and use all or part of the benefits from the site. Removing the Online Banking cookie will re-enable challenge questions through online banking as your computer will no longer be identified as a registered computer. No personal information is stored within Camino Federal Credit Union cookies.
Enhanced Online Security
Camino Federal Credit Union has implemented an important Online Banking security feature that helps to further protect your personal financial information. Its purpose is to quickly and easily identify you as the “true” owner of your Camino Federal Credit Union accounts by recognizing both your password and your computer. Enhanced Online Security requires users to:
- Establish a verification to authorize Online Banking access at your specific computer(s) (our data processing system automatically performs this task for you)
- Set up a password used to verify your identity when you sign on
- Set up a multifactor authentication passphrase to validate your online banking session. Passphrase and image will be unique to your account and session and insures validity of your account.
- Set up challenge questions and answers to verify your identity as a secondary form of identification. (Authorizing your computer will suppress these questions in the future.)
Identity Theft and Fraud
New fraud alert!
We have detected fraudulent cell phone text and email messages being sent to Camino Federal Credit Union Members. These messages did NOT come from Camino Federal Credit Union.
IMPORTANT—DO NOT give out your personal information.
Members should never provide personal information such as passwords, credit card numbers, Social Security Numbers, Personal Identification Numbers (PINs) or personal loan information to a website or unfamiliar phone number. In addition, you should never click directly on links in an email that request sensitive information—even if you recognize and trust the website address. These links can redirect you to a fake website (although it may look trustworthy).
- Never provide personal information in response to any unsolicited request by email, letter, text message or phone call.
- Beware of any unsolicited email, letter, text message, or phone call that threatens to close or suspend your account(s).
If you are unsure if any message you receive is legitimate, please contact Camino Federal Credit Union directly for verification.
At Camino Federal Credit Union, we’re committed to reducing the risk associated with fraudulent activity and truly appreciate when members bring all questionable activity to our attention. Please know that we will NEVER send you email's to ask for your personal financial information.
Identity Theft and Fraud Resources:
- US Department of Justice
- IRS ID Theft and Your Taxes
- California Public Interest Research Group
- Federal Trade Commission
- Consumers Union
- Social Security Office
- Mail Theft
- Passport Fraud
- Phone Fraud
- US Department of Education
- National Criminal Justice Reference Service
- Identity Theft Resource Center
Scam and Fraud Awareness: Protecting our members’ personal financial information is very important to us. Because there’s an ever-growing number of ways criminals can commit fraud, we’re committed to keeping our members informed and able to recognize and report potential fraudulent activity. Courtesy of the FBI, below you will find information on how to keep from becoming a victim of fraud.
If you can answer “Yes” to any of the following questions, exercise caution, as these tactics can easily be utilized to commit crimes against you.
- If you’re receiving a check, is the check from an item you sold on the Internet, such as a car, boat, or jewelry?
- Is the amount of the check more than the item’s selling price? For example, if you sold someone an item for $100, did they send you a check for $500 and ask for a refund of $400? Don’t do it…that’s a scam!
- Did you receive the check via an overnight delivery service?
- Is the check connected to communicating with someone via email?
- Is the check drawn on a business or individual account that’s different from the person buying your item or product?
- Have you been informed that you were the winner of a Lottery, such as Canadian, Australian, El Gordo or El Mundo, that you didn’t enter?
- Have you been instructed to wire, send or ship money, as soon as possible, to a large U.S. city or to another country, such as Canada, England or Nigeria?
- Have you been asked to pay money to receive a deposit from another country such as Canada, England or Nigeria?
- Are you receiving pay or a commission for facilitating money transfers through your account?
- Did you respond to an email requesting you to confirm, update or provide your account information?
Together, we can help squash fraud and identity theft!
If you suspect that you’re the victim of identity theft or other fraudulent activity, please contact the credit union as soon as possible, so that we may take steps to protect the integrity of your account information and funds.
Computer Security Tips
- Keep your computer operating system up to date to insure the highest level of protection.
- Install a personal firewall on your computer.
- Install, run, and keep anti-virus software updated.
- Turn your computer off completely when you are finished using it – don’t leave it in sleep mode.
- Conduct online banking activities on secure computers only. Public computers (computers at internet cafes, copy center, etc.) should be used with caution, due to shared use and possible tampering. Online banking activities and viewing or downloading documents (statement, etc.) should only be conducted on a computer you know to be safe and secure.
Email Security Tips
- Be wary of suspicious emails. Never open attachments, click on links, or respond to emails from suspicious or unknown senders.
- If you receive a suspicious email that you think is a phishing email, do not respond or provide any information. Send the email to email@example.com. Review our identity theft information and resources for more information.
- If you responded to a phish email with personal information, contact Camino Federal Credit Union’s fraud prevention department at 323-722-3400.