Safe and Secure in the online world

You are your own best defense against information theft!

Security Shield

The more you know about staying safe online, the more likely you'll be able to spot a scam and protect your information. Unfortunately, as technology advances so do the methods that criminals use to glean your information.

Card Fraud Prevention Service

In our continuing efforts to keep your accounts secure, we've improved our alert system for potential card fraud.

The phone number for our Fraud Center is 1-800-417-4592. Add this number to your phone contacts as "Fraud Center," so it will display as such when you receive a call from this number.

With this fraud protection service, you will receive an email notification from WECU® when potential fraud is detected. This email will have the option to reply by clicking the links for "fraud" or "no fraud."

Between 7am and 9pm, you will also receive a text from 32874 with links for "fraud" or "no fraud" response options.

If the Fraud Center does not receive a response from you within 5 minutes of the email/text alerts you will receive automatic phone calls to confirm or deny fraud.

Remember - our messages will never ask for your PIN or account number, the Fraud Center will only ask you to verify if you made the charges in question.

Stay Safe While Banking Online

  • Don't share your account information with anyone, including trusted family and friends.
  • Register your account with Multi-Factor Authentication (MFA) on the primary computers that you use.
  • Install an up-to-date, trusted antivirus solution on any computers, phones, or tablets you use to access your account.
  • Install antispyware software and keep it updated.
  • Configure your antivirus software to both check for and update antivirus signatures daily.
  • Don't access your account from computers/devices that are not secure.
  • Be cautious using public Wi-Fi.
  • Protect your passwords; add characters, use information only you would know and change them on a regular basis.
  • Keep your mobile device up-to-date
  • Load a password and lock your phone, tablet or any other web device when it is not in use.
  • Log off when you have completed your online banking transactions.
  • Don't leave your computer unattended when you are logged into online banking.
  • If you lose your phone or tablet and have used it to access online banking, call WECU® immediately.
  • If you use our full version webpage, rather than our mobile website, to access E-Max on your phone or tablet register the device with MFA.
  • If you are suspicious about the authenticity of a mobile app or email, contact WECU® .

Multi-Factor Authentication

Multi-factor Authentication (MFA) is the combination of three layers of identification. WECU's E-Max online banking system uses the first two forms of authentication, your account number and password (Items you set up with WECU® and is unique to yourself) and a security token/cookie that is placed on your computer when you register it with MFA (this tells WECU® that the computer you are using is trusted by you).

What are the benefits to registering my computer with MFA?
Some criminals try to get malicious programs called Trojans or Key Loggers onto computers to obtain account and password information. If your computer was infected with one of these programs and registered with MFA, the criminal would not be able to log into E-Max because they wouldn't have the security token/cookie. If you had not registered your computer with MFA, the criminal would be able to find the answers to all of your security questions and would be able to log into your account.

General Online Safety Tips

  • Keep your firewall turned on - A firewall helps protect your computer from hackers who might try to gain access to crash it, delete information, or even steal passwords or other sensitive information.
  • Install or update your antivirus/antispyware software. These detect malicious code, like a virus or a worm, and work to disarm or remove it.
  • Keep your operating system up-to-date: Computer operating systems are periodically updated to stay in tune with technology requirements and to fix security holes.
  • Be careful what you download: Carelessly downloading e-mail attachments can circumvent even the most vigilant anti-virus software. Never open an e-mail attachment from someone you don't know.
  • Change your passwords regularly: If you change your password on a regular basis the chances of a crook obtaining the current one are greatly reduced.
  • Set different passwords for different sites/systems: On the off chance that a crook does obtain your password they'll only be able to access one site or system.
  • Don't open unknown email or attachments.
  • Back up your files regularly either online or with a cloud-based program.
  • Click here for more information on avoiding social engineering and phishing attacks
  • If you have confirmed fraud on your account, be sure to have your computer checked for malware.

Online Shopping Tips

  • Understand as much as possible about how the website works, what your obligations are as a buyer, and what the seller's obligations are before you purchase.
  • Find out what actions the website/company takes if a problem occurs and consider insuring the transaction and shipment.
  • Be cautious when dealing with sellers outside the United States. If a problem occurs with the transaction, it could be much more difficult to rectify.
  • Ask the seller about whether the merchandise is covered by a warranty or can be exchanged if there is a problem, and if shipping and handling is included in the price.
  • Make sure you are purchasing merchandise from a reputable source.
  • Do your homework on the individual or company to ensure that they are legitimate, such as checking to see if the company is registered with the Better Business Bureau.
  • Send an e-mail to the site to make sure the e-mail address is active, and be wary of those that utilize free e-mail services where a credit card wasn't required to open the account.
  • Don't judge a person or company by their website. Flashy websites can be set up quickly.
  • Be cautious when responding to special, time-sensitive offers, especially through unsolicited e-mail.
  • Make sure the transaction is secure when you electronically send your credit or debit card number by checking to make sure it says "https" in the address bar rather than "http".

Mobile Security Tips

Almost all Americans, regardless of age, are using mobile devices. Often, mobile devices are used for sensitive activities, including banking, online shopping and social networking. Some of these activities require users to provide personal information such as their names, account numbers, addresses, email addresses and passwords. Moreover, apps routinely ask for access to information stored on the device, including location information.

In addition, the use of unsecured, public Wi-Fi hotspots has increased dramatically over the past few years. These networks are accessible on airplanes, in coffee shops, shopping malls and at sporting events. While continued access provides us with more flexibility and convenience to stay connected no matter where we are, it can also make us more susceptible to exposure.

The more we travel and access the Internet on the go, the more risks we face on our mobile devices. No one is exempt from the threat of cyber crime, at home or on the go, but you can follow these simple tips to stay safe online when connecting to the Internet from a mobile device:

  • Think Before You Connect. Before you connect to any public Wi-Fi hotspot-like on an airplane or in an airport, hotel, train/bus station or cafĂ©-be sure to confirm the name of the network and exact login procedures with appropriate staff to ensure that the network is legitimate. Using your mobile network connection is generally more secure than using a public Wi-Fi network.
  • Guard Your Mobile Device. In order to prevent theft, unauthorized access and loss of sensitive information, never leave your mobile devices-including any USB or external storage devices- unattended in a public place. While on travel, if you plan on leaving any devices in your hotel room, be sure those items are appropriately secured.
  • Keep It Locked. The United States Computer Emergency Readiness Team (US-CERT) recommends locking your device when you are not using it. Even if you only step away for a few minutes, that is enough time for someone to steal or destroy your information. Use strong PINs and passwords to prevent others from accessing your device.
  • Update Your Mobile Software. Treat your mobile device like your home or work
    computer. Keep your operating system software and apps updated, which will improve your device's ability to defend against malware.
  • Only Connect to the Internet if Needed. Disconnect your device from the Internet when you aren't using it and make sure your device isn't programmed to automatically connect to Wi-Fi. The likelihood that attackers will target you becomes much higher if your device is always connected.
  • Know Your Apps. Be sure to thoroughly review the details and specifications of an application before you download it. Be aware that the app may request that you share your personal information and permissions. Delete any apps that you are not using to increase your security.

*Stop.Think.Connect.TM is a national public awareness campaign aimed at empowering the American public to be safer and more secure online. The Campaign's main objective is to help you become more aware of growing cyber threats and arm you with the tools to protect yourself, your family and your community. For more information visit www.dhs.gov/stopthinkconnect.