|
Patriot
Act Notice
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT
To help the government fight the funding of terrorism and money
laundering activities, Federal law requires all financial
institutions to obtain, verify and record information that
identifies each person who opens an account.
What this means for you: When you open an account, we will ask for
your name, address, date of birth, and other information that will
allow us to identify you. We may also ask to see your driver
license.
Commitment to information
security.
BCFCUs Commitment to Information Security
We
understand that you trust us with your personal information. BCFCU
uses established security standards and ethical business practices
to insure your information is secure. In fact, we believe it's every
employee's responsibility to safeguard your account information. We
are constantly evaluating new advances in technology to keep your
information secure.
BCFCU uses firewalls and routers to block unauthorized access
to our networks and computer virus protection to detect and prevent
computer viruses from entering the Credit Union's systems. We also
use encryption technology such as Secure Sockets Layer (SSL) to keep
your information safe.
TechTalk
BCFCU's website utilizes the Secure Sockets Layer protocol (SSL 3.0)
and Microsoft's Private Communication technology protocol (PCT 1.0)
with full support for 128-bit encryption methods, which are among
the highest in the industry for transactions on the Internet. Our
SSL technology is certified with a secure certificate from VeriSign,
the leading "seal of approval" for online authentication services.
This helps to provide online security that conforms to the highest
standards available.
What you should do to help protect your personal information online?
Protect yourself from fraud and identity theft.
What you should do to help
protect your personal information online?
Protecting Yourself from Fraud and Identity Theft
New technology has helped
make our lives a little easier. It has also created new
opportunities for fraud and identity theft. The good news is you can
protect yourself against these crimes that could steal your money,
your credit rating and even your identity. By gaining an
understanding of these issues and working with reputable companies
that respect your privacy and security, you can enjoy financial
security and peace of mind.
If you are a member of BCFCU
and think you have been a victim of fraud or identity theft, please
contact us immediately for assistance.
For additional help:
Contact the Federal
Trade Commission for more information about completing an ID Theft
Affidavit. You can visit them online at:
http://www.consumer.gov/idtheft
Contact the fraud
departments of the three major credit bureaus to place a fraud alert
on your credit file. Call them or visit them online.
Equifax »
1-800-525-6285
Trans Union »
1-800-680-7289
Experian »
1-888-397-3742
Take these steps to
help protect yourself:
Use caution when disclosing
your personal information to anyone. Be sure you know who you are
dealing with when giving out information. BCFCU will not call or
e-mail you asking you to verify information we already have in our
records.
Examine and reconcile all your account statements promptly. Report
discrepancies immediately. Store old statements in a secure place.
Report lost or stolen checks immediately. Store unused or canceled
checks in a secure place.
Check your mail. If you haven't received mail for a few days, you
may be the victim of mail diversion fraud. If you suspect your
address has been changed without your permission, contact the post
office. If you have not received your regular bills as expected,
call the company to find out why.
Don't carry around sensitive information, such as your or your
children's Social Security cards, with you in your wallet unless
necessary.
Destroy any pre-approved offers to which you do not respond.
Notify us if you have received suspicious calls inquiring about your
BCFCU account information.
Review your credit report at least once per year.
Credit, Debit and ATM
Card Security
When you receive a new
card, sign the signature panel immediately.
Destroy old cards by cutting them
up.
Keep any duplicate cards in a
secure place.
Protect your Personal
Identification Numbers (PINs). Never write your PIN on your
card, and don't keep it in the same place as your card.
Report lost or stolen cards
immediately.
When making purchases, make sure
you get your card back and that the card returned
to you is really your card.
Dont make a credit card purchase without taking your receipt. Tear
up any receipt carbon copies.
Compare your receipts against
your account statements. Report any discrepancies,
such as unauthorized or duplicate transactions,
immediately.
Once you've reconciled your account statements destroy the receipts
if you no longer need them. Store account statements and receipts
securely.
Don't forget to take
your ATM receipts as well. Record the transaction or save the
receipt to reconciliation with your account
statement.
Don't leave your cards, wallet or
purse unattended. Periodically check to make sure
you have all of your cards.
Don't lend your card to others.
Be cautious when giving your card
number over the phone.
Keep a list in a secure place of
your card numbers with telephone numbers to call if
they are lost or stolen.
|
