Safeguarding our members' personal and financial data is our number one priority. We use the best commercially available software, employ a full-time specially trained information security staff, and set policies and procedures to ensure we're doing everything we can.
Because information security takes teamwork, we need you to do your part, too. Simple things like keeping your software and hardware updated are important, but just the beginning. Please refer back to this page often for more ideas on how you can secure your information.
For any security questions or concerns about your account with PSECU, call a Member Service Representative at 800.237.7328. We are available Monday through Friday, 8 a.m. to 5 p.m. (ET).
Together, we're stronger.
George Rudolph
PSECU President & Fellow PSECU Member
Security
| What We Do | |||
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| User ID | All users of online banking are asked to create a user ID. You'll need this every time you access your account online or use mobile banking. (When you call us or visit us in person, you will need to provide your membership account number and membership account PIN.) | ||
| PIN | You have a membership account PIN needed to access your account when you use our mobile app, when you call us, and when you visit us in person. You also have PINs for your PSECU cards. We strongly recommend using different PINs for each. PSECU staff cannot provide your PIN to you. You can reset your member account PIN within online banking under My Profile. | ||
| Password | An additional security measure for online access. PSECU staff cannot provide your password to you. You can reset your password by clicking on the Forgot User ID or Password? link under the Member Login area or within online banking under My Profile. | ||
| Card Security Service | We contract with a card security company that monitors our cardholders' usage and flags transactions that may be considered fraudulent. This company may contact you when it detects a possible fraudulent transaction on your PSECU card. Should you receive a text, call, or email from this company during our regular business hours (Monday – Friday, 8 a.m. to 6 p.m. and Saturday, 9 a.m. to 5 p.m.), you may contact us to verify the legitimacy of the call at 800.237.7328, extension 3872. We also recommend you log into your account to verify card transactions. For added security, sign up for account alerts by logging into online banking, navigating to My Profile, and clicking eAlerts. You can manage your alerts in our mobile app by selecting More, then Settings, and Alerts. Once you've selected your alerts, you'll receive notices through the delivery method of your choice – either email, text, or both. |
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| What You Need to Do | |||
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| *PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible. FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries. |
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| Regularly monitor your financial account information. | View your account balances and transactions using PSECU’s digital banking tools. Review your account statements on a regular basis to identify any unauthorized charges or activity. Sign up for account alerts. You can opt in to be notified when a withdrawal or deposit is made, your debit and/or credit card have been used, if you've had an overdraft and/or non-sufficient funds event, and more. Enroll in this free service in online banking or our mobile app by following the instructions below: -Open the menu in the top left corner. -Click on Profile & Settings. -Select Alerts (in online banking) or Manage Alerts (in the mobile app). Enroll in our free credit score service*. Eligible PSECU members can get monthly credit score updates. It's quick and easy to sign up in online or mobile banking: -Open the menu in the top left corner. -Select FICO® Score. Request one free credit report from each of the credit bureaus every year at www.AnnualCreditReport.com and review for accuracy. |
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| Safeguard your financial account information. | Never share any password, passcode, or PIN, even if they are temporary or one-time codes. Financial institutions do not need to ask for your password, and one-time passcodes should only be entered into a system when you are confirming it is your activity. Think before you act. Be wary of communications that play on fear (frozen bank account or fraudulent transactions), request urgent action (act immediately), request personal information (PIN, Social Security number, account numbers, etc.), or offer deals that sound too good to be true. Be aware of common signs your personally identifiable information may have been compromised, including receiving calls from collections agencies about debts you do not recognize, receiving credit denial or credit acceptance alerts in the mail for accounts/loans for which you did not apply, or becoming aware of stolen personal information (e.g. Social Security card, driver’s license, etc.) If you receive a call, text, or email from a party claiming to be your financial institution, do not provide any account information. Never give credit or debit card information through a call you did not initiate or a call you made to a number you haven’t verified. When accessing digital banking, ALWAYS log off and close your browser. We strongly recommend you not use public Wi-Fi, publicly accessed, or shared computers for digital banking. Know your device’s security features and keep them active and up to date. |
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| Take action when you’ve experienced a compromise. |
If you identify concerning information on your credit report, or are informed of a line of credit/account that you did not authorize, visit IdentityTheft.gov for recovery steps. |
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| Communicate with PSECU. |
If you receive a communication from PSECU that looks suspicious, you should report it immediately by forwarding it to abuse@psecu.com. Note this inbox is for incoming messages only, and you will not receive a response. Please do not use this email to report fraud concerns regarding your PSECU account; instead, call us to speak with a Member Service Representative.
Do not click on any links or contact information in a suspicious email, and do not reply directly to the email. We recommend you communicate with the sender by visiting them via their legitimate web address or by using contact information that you're familiar with to ensure you’re communicating with the actual company. For any security questions or concerns about your account with PSECU, call a Member Service Representative at 800.237.7328. We are available Monday through Friday, 8 a.m. to 5 p.m. (ET). |
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| Security Guarantee Disclosures | |||
|---|---|---|---|
| Our guarantee promises that in the event our system is ever compromised and any of your funds are improperly removed from your PSECU account without your authorization, you will be 100% covered! For our Security Guarantee to be honored, you must: | |||
| Check your PSECU account statements each month for any unrecognized or unauthorized activity. | You must notify PSECU immediately if you notice any discrepancies in your monthly account statement. This includes unrecognized or unauthorized transactions on your account. The sooner you discover fraudulent activity, the faster you can limit further financial harm. You'll also protect important dispute rights. | ||
| Be certain that you understand the easy-to-read terms outlined in your PSECU Agreements and Disclosures. | When you open your PSECU account, you agree to its terms, which were written to protect you. | ||
| Secure the information you use to access your account, whether digitally or by phone. | Do not keep your user ID, member account number, PIN, and password in an unsecured place and do not share them with anyone who is not authorized to access your account. Sharing this information may cause any transactions conducted on your account to be considered by PSECU as legitimate, member-authorized transactions. This may occur even if you did not mean to have someone else conduct the transactions. | ||
| Never leave your computer/device unattended once you have logged in to your account. | Make certain that no one has access to the computer/device you are using while you are logged in to online banking. Don't rely on PSECU's special security time-out feature which automatically logs you off of online banking after a period of time during which there has been no activity. And once you are finished with your online banking session, be sure that you have logged off of the site and closed your browser. | ||
| Never use a publicly accessed or shared computer/device to conduct online banking transactions. | Doing so could cause your login information or financial information to be cached in a temporary file and be used later to compromise your account, even after you have logged out. | ||
| Be on guard for scam communications. | Never respond to a phone call, email, or text that requests your full 16-digit card number, member account number, account PIN, or digital banking login credentials. If you are contacted by one of these methods that appears to represent PSECU and is asking for this type of information, do not respond. Instead contact us immediately at 800.237.7328.
If you receive a communication from PSECU that looks suspicious, you should report it immediately by forwarding it to abuse@psecu.com. Note this inbox is for incoming messages only, and you will not receive a response. Please do not use this email to report fraud concerns regarding your PSECU account; instead, call us to speak with a Member Service Representative. Do not click on any links or contact information in a suspicious email, and do not reply directly to the email. We recommend you communicate with the sender by visiting them via their legitimate web address or by using contact information that you're familiar with to ensure you’re communicating with the actual company. |
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| You must keep your software updated. | This includes, but is not limited to, the operating system, Internet browser, anti-virus, anti-spyware, and firewall protection software. | ||
| Additional Information | |||
|---|---|---|---|
| PSECU can only guarantee the online security of your funds and your personal information while you are conducting financial business on PSECU's site. That means that if you leave PSECU's secure site, PSECU can no longer make assurances that other sites will offer you the same protective measures as PSECU. Before leaving PSECU's secure site by clicking on a link within psecu.com, you will receive a warning - It will read, in part, "Important: You Are Now Leaving psecu.com." You will have the option to return to the previous page or to continue. By clicking Continue, you will then leave PSECU's secure site. PSECU cannot guarantee the security of another site that you may be entering and, therefore, PSECU cannot guarantee your funds if you provide personal and/or financial information to that site. |