We work hard to protect your financial information, but you also play an important role in preventing fraud and ID theft. Click the topics below to learn about Internet safety and identity theft. Also, check out our online security webinars and lost/stolen wallet checklist.
Beware of email scams
What to do if you receive a suspicious email
- Drag and drop the suspicious email from your inbox into the new email (in Firefox/IE, drop it in the attachment area).
- If you use a browser-based email application, your only option may be to use the standard forward feature.
Safely manage your accounts online
Ideal CU Online Banking
With Ideal CU Online banking you can securely access your accounts online 24/7 from the comfort of your home or office. Enroll in Online Banking.
Online Banking is made secure by SSL Enabled Browsers
Your SSL enabled browser contains the necessary encryption algorithms to "scramble" the information that is transmitted between you and Ideal CU Online Banking. This ensures the confidentiality of information you submit electronically. For this reason, we recommend that you use the most recent versions of Mozilla Firefox or Internet Explorer.
Learn about "phishers"
What is Phishing?
Phishing occurs when thieves pretend to be financial institutions or companies and send emails to get you to reveal personal information. There are generally two types of messages currently being sent:
- The first is an email that links you to a false website that is constructed to resemble your financial institution. You are then asked to verify/provide personal information on the site.
- The second is an email instructing you to call a fraudulent phone number to verify or update your account information. Once you call, you may be asked for your account number, online banking password, Social Security Number and more.
Emails written by phishers will attempt to make you act quickly so that you do not have time to question the validity of the email source. Fraudulent emails can look authentic and may link to websites that also appear legitimate.
Here are some helpful guidelines for avoiding phish emails:
- Be suspicious of any email that requests your personal financial information. Ideal CU will never request your private information in an email.
- If you suspect an email is fraudulent, do not click on any links within it.
- Avoid filling out forms in email messages that ask for personal information.
- Regularly monitor your accounts through Ideal CU Online Banking to ensure all transactions are legitimate.
- Make sure browser and security patches are the most current version.
- Notify Ideal CU and your other financial institutions immediately if think you may have shared account information with a fraudster. See below for tips on what to do if you believe you're a victim of identity theft.
Watch out for Zeus malware
What is malware? Malware, short for malicious software, is software designed to infiltrate a computer system without the owner’s informed consent. Malware includes computer viruses, spyware, etc.
What you need to know about Zeus Financial Malware
There is a class of malware called Zeus that targets financial institutions. It is a customizable malware development platform that criminals purchase for their own needs. This means that each instance of released malware is likely different from any other. Zeus works by manipulating your browser.
One of the key strengths of Zeus is its ability to avoid detection from antivirus and antimalware products. Most victims have no idea their computers are infected, even if their antivirus software is up to date.
Zeus works by prompting you for credit or debit card information (including your PIN, security code and expiration date) during or after you’ve signed into online banking. Ideal CU will never ask you for this information online.
If you enter the information and click to continue, your card has been compromised and you should contact Ideal CU immediately. Remember, the malware is running on your computer and Ideal CU’s system has not been affected.
What to do if you think your computer is infected
Contact each financial institution that you accessed on the infected computer. Change your passwords and ask if any of your account information has been changed (such as address or phone number). If you provided credit or debit card information, report the card as compromised to have it blocked and a new card issued.
Do not use your computer for financial transactions until it has been cleaned. Follow up with your anti-virus vendor or computer service vendor for the best methods of getting your system cleaned. As always, it is a good idea to frequently monitor your account activities.
Protect yourself on the web
Follow these general guidelines when using the Internet to further protect your privacy:
- Install anti-virus software on your PC, including a firewall and spyware detection software.
- Update your browser with patches and upgrades as they become available.
- Never provide any information over the phone or by email to anyone who contacts you asking for verification of your account numbers, personal identification numbers, etc.
- When conducting transactions over the Internet, only use secure sites. Look for the SSL lock indicator in your browser.
- Review copies of your three free credit reports once per year by visiting www.annualcreditreport.com.
- Don't use obvious passwords like your birth date or your mother's maiden name. Passwords should have at least eight characters and consist of letters and numbers.
- Don't select the "remember password" browser feature when using a publicly accessed computer.
- Perform transactions only on sites that are well established and familiar to you.
- If you make online purchases with a Visa card, sign up for Verified by Visa to help prevent credit card theft.
What to do if you're a victim
If you know or believe you've been a victim of identity theft, contact Ideal CU and any other financial institutions you have a relationship with. We can flag your account and monitor it for suspicious activity.
You should also contact the three major credit bureaus to determine if you need to place a fraud alert on your file, which will help prevent thieves from opening new accounts in your name.
- Equifax: 800-525-6285
- Experian: 888-397-3742
- TransUnion: 800-680-7289
In addition, you may want to file a compliant with the Federal Trade Commission online or by calling 1-877-IDTHEFT.
If you know you have been a victim of identity theft, you should also file a police report. Law enforcement officials can help you with creditors who may want proof of the crime.
The threat of identity theft is scary, but if you follow the steps above it will be a lot less likely to happen
Welcome to Ideal CU's Security Center. We work hard to protect your financial information, but you also play an important role in keeping it safe. Click the topics below to learn about Internet safety and identity theft. Also, check out our online security webinars and lost/stolen wallet checklist.