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How to protect yourself


How to protect yourself

This is a team effort. We work hard to protect your account. To have the strongest security possible, you need to take the following steps.

Secure your account

Create a unique user ID and a long and strong password for logging into your Civic accounts. Do not reuse this user ID and password for other websites or apps you log in to. The Credit Union suggests you use a reputable password manager app to store login information. If using a password manager with a long and strong password, you may only need to change your password once or twice a year. If you think your account has been compromised, contact us right away; then change your password.

Select advanced protection

For added protection, use two-factor authentication (2FA), when available, to further help protect your identity and your accounts. This extra layer of security combines a username and password with a second factor only you have access to, like your mobile phone or email. The first factor could be something unique to you, like a fingerprint or face scan. The second factor could be a one-time passcode delivered via text message; a push notification to a mobile device; or a code generator app like Duo.

There are times the Civic may ask for additional authentication during your session. In addition to your User ID and Password, we may prompt you with a security challenge when the identification of your computer or mobile device is not recognized. As an alternative to your security questions, we also offer the One Time Passcode (OTP) feature, also known as 2FA, which is a more secure and convenient option.

When accessing your accounts, look for a closed padlock icon next to the website address. This means your web traffic is encrypted. It's also important for you to ensure the web address your visiting is correct. Try to avoid using public Wi-Fi to access your account. And always log off after your sessions end even if you're on a personal device.

Take steps to protect your identity

Start by regularly monitoring your financial accounts. Review all financial statements monthly and act when things aren’t quite right. Pay attention to billing cycles and contact your creditors if bills don't arrive.

Another way to protect yourself is to sign up for the online delivery of statements and funds. This eliminates the risk of theft from a mailbox. Also, sign up for these services for added online protection:

  • Direct Deposit
  • BillPay
  • E-statements
  • Funds Transfer
  • Use to review your credit report regularly. The three major credit reporting bureaus —TransUnion, Equifax, and Experian — allow you one free copy of your report per year.

Here are additional things you can do offline:

  • Place personal and confidential information in a home safe
  • Carefully and securely dispose of unwanted personal documents
  • Sign up for account alerts and notifications

Secure your computer and other devices

When you manage your accounts online, it’s important to enable security features on your mobile devices or any other devices you use to access accounts.

For computers, make sure to use the most up-to-date operating system.

You should also:

  • Set your operating system, security, and application software to automatically check for and install updates
  • Install anti-virus, malware protection, and ad-blocking software