Your Security Matters

Bangor Federal Credit Union takes your security very seriously.

Cyber-criminals continually threaten and change the way they try to capture important and personal member information. Our staff is diligently providing resources and up-to-date information to help you keep you and your family safe.

 

Bangor Federal Fraud Monitoring System tracks all debit and credit card activity.

  • You may receive a call from us, or on our behalf, to verify transaction activity on your card. Please be advised that we will never ask for your card number, pin number, or the three-digit code on the back of your card. You are covered by Visa’s Zero Liability protection against fraudulent transactions (does not apply to ATM transactions, PIN transactions not processed by Visa, and certain business card transactions).
  • When traveling and you are going to be using your debit or credit card, please give us a call so we can make a note on your account. This will help decrease the likelihood that your card will get blocked as you travel.
  • If your Bangor Federal debit or credit card gets lost or stolen, contact us immediately to limit your liability. For information on how to report it after hours, click here.

 

Online Banking and Mobile Banking Username and Password Security.

  • We use multi-factor authentication on your Online Banking to help protect your accounts from fraud. The security image and phrase that you created when you registered for Online Banking, is your added verification that you in fact are logging onto the true Bangor Federal Online Banking page.


In addition to the above listed resources, we’ve included other ways below to protect your account(s) from fraudulent activity and cyber-attacks.  

  • Keep your usernames and passwords private and unique to you. Store these in a secure place that is only accessible by you. Use complex, hard to guess passwords for online services such as Online Banking. Complex passwords are at least 8 characters in length, a combination of upper and lower-case letters, numbers, and special characters.
  • Do not allow anyone remote access to your PC.
  • Avoid using birth dates, anniversaries, family member’s or pet’s names, or words out of the dictionary as passwords.
  • When selecting usernames and passwords for multiple sites, keep them unique and individual. It’s never a good idea to use the same sequence on numerous sites. Should your username/password become compromised, cyber criminals are then able to gain access to other sites you have accessed.
  • Public computers are best for basic web-surfing NOT to conduct financial activity such as account inquiries or purchasing items where you would enter your debit or credit card number. Public computers can be infected with viruses and malware capable of capturing your log in information.
  • Never leave your computer unattended while you are logged on to a website, always be sure to log off and not just close the browser.
  • Use discretion when posting personal information on social media. This information is a treasure-trove to scammers who will use it to feign trustworthiness.
  • Use extreme caution when opening emails from unknown sources, especially when opening attachments in emails as the attachment or email may contain viruses or malware.
  • Run updated anti-virus and anti-spyware software on your computer and mobile devices. Be sure to keep the software updated so you have the latest protection available.
  • Make sure to install any available operating system patches regularly, and do not use computers with operating systems that are no longer supported (such as Windows XP).
  • Install and utilize third-party applications and software that you really need. Make sure it is from the vendor such as the Android, Apple, or Windows Store. Since the app stores allow third-parties to post and sell apps, make sure the app is from a trustworthy source.

 

The Federal Trade Commission is a great resource to help you deter, detect, and defend against identity theft. You can also click here to download an informative Identity Theft brochure.

 

Here are some tips for how to avoid becoming a victim of Identity Theft:

  • Review a copy of your credit report annually to make sure the information on it is accurate.
  • Monitor account activity regularly for unauthorized activity. If you see anything suspicious, contact your financial institution immediately.
  • Store personal information, passwords and sensitive records in a safe place. Shred financial statements, credit card offers, bank checks, and any other documents that contain personal information about you before throwing them away.

 

To learn more about specific malware viruses and scams, be sure to visit the Scams and Member Threats  page.

 

REMEMBER, the best line of defense is you! If at any point, you feel that your account information has been compromised or you have fallen victim to a Phishing Scam or other cyber-attack, please call us at 207-947-0374 to let us know.