Member Security Essentials
Protecting your accounts is a top priority for Maui Federal Credit Union. Whether you are using online, mobile or telephone banking, or simply shopping online, we all have a role to play in keeping your personal and financial information secure. If you suspect fraudulent activity has occurred on your account, please call Maui Federal Credit Union at (808) 873-5050 so we can take proactive steps to protect your accounts.
Always Remember: Maui Federal Credit Union will never call, text or email you asking for any personal or identifying information such as Account Numbers or Social Security Numbers, as we already have it. If you receive an e-mail, text or phone call appearing to be from Maui Federal Credit Union that asks for personal information such as your Account Number or Social Security Number, do not respond and notify us immediately at (808) 873-5050. If you have any doubt as to who is contacting you, even if it is us, hang up and call us directly.
Steps to Protect Yourself:
Cyber security attacks can take many forms and use all types of web-capable devices to try to access and compromise your personal data. Arm yourself against attack with these simple tips. Learn More >>
Your smart device stores a lot of personal information about you. We’ve got the tips to help safeguard your information. Learn More >>
Debit Card Security
We monitor your accounts for fraudulent activity. Learn what it takes to protect yourself from becoming a victim and what to do if your accounts are ever compromised. Learn More >>
We want our members to be safe, no matter which ATM they use. Get tips on safe ATM use. Learn More >>
Scammers will try to get you to share your personal information through email, telephone, text and even social media attacks. We can help you recognize their tactics. Learn More >>
Fraud & Identity Theft Reporting
Is there a strange transaction on your statement, or did you receive medical bills for a doctor you never visited? If you suspect you're a victim of identity theft, find out what to do next and how we can help you prevent any further damage. Learn More >>
The internet is a convenient resource, a helpful tool and a part of our daily lives. Whether you're accessing the web from a desktop computer or a mobile device, you may be at risk for hackers, scammers and other predators. Attackers aim to steal a victim's identity and financial account details. All of your online activity, including email messages, online shopping transactions and social media interactions, are susceptible to attack.
What to Do If You're a Victim
If you believe your personal information has been accessed, here are some suggested actions to take immediately:
- Change your passwords from an uninfected computer.
- Ensure all firewall, anti-virus and spyware detection software you have installed is current.
- Run a virus scan on your computer and remove any threats that are detected.
- Check your account information frequently. If you suspect fraudulent transactions, report them immediately.
What We're Doing for You
Our online banking and mobile apps are hosted on secure servers to protect the information you submit online. By enabling members to sign in using a unique username rather than their account number, we've added another layer of security to the site.
These precautions may help to guard against threats to your computer and mobile devices.
- Make sure your operating systems, software and browsers are up to date and that anti-virus software and firewalls are in place when possible on all computers and devices.
- Clear your device's cache and history so that passwords, payment details and other saved personal information are deleted. Only store what you truly need.
- Be extra cautious when using public computers or Wi-Fi. Hold off on making financial transactions until you're on a trusted device with a secure connection.
- Limit sharing of your personal information. Be aware of privacy policies and terms and conditions on sites you use and anything you download.
- Set passwords and enable screen locks to prevent others from using your computer or devices. Use a mix of characters and cases that are unique to each account or site you use.
- Check for a padlock symbol and "https" in your browser's address bar when submitting payment information or other personal details online, as these denote a secure site.
- Download apps and software from authorized vendors only. Others may appear credible but could contain viruses that put your device or your information at risk.
- Make sure you sign out of your digital banking session when you finish to ensure that your session is closed.
Your smartphone, tablet and computer store a lot of personal information about you. Add web browsing, apps and financial transactions to the mix, and a world of potential security risks opens up. Here are some tips to help safeguard your information.
Check Your Browser’s Security
Before you submit any personal information, you’ll want to make sure you’ve taken a few precautions. Check for a padlock symbol and “https” in your browser’s address bar. The “s,” which stands for “secure,” and the padlock let you know that your browser will encrypt any personal information you submit online. Hold off on making financial transactions or using any websites that require a login and password until you know you’re on a secure connection.
Keep Your System and Software Updated
Those pop-up messages telling you to update your phone can be annoying, but by agreeing to update, you’re significantly beefing up the security of your device. New versions of operating systems usually patch security flaws that were found in older versions. Hackers can exploit those security flaws if you ignore updates. The same goes for app updates. Many updates address flaws or bugs that could put your information at risk if they aren’t downloaded and installed.
Take Caution When Installing Apps
Before downloading and installing an app, make sure you have a credible, official version of the app you want (and that you only download it from the official stores such as iTunes or Google Play. Phony apps may appear to be credible but may contain viruses that pose a risk to your device. And, before you agree to download an app, take note of what types of information it can access (e.g., your contact list, location, browsing history).
Think Before You Click or Tap
When it comes to receiving texts, emails and other messages, take caution before responding. Scammers have made their way into the mobile world, hoping to gain any personal information they can. To help prevent your information from being stolen, always think before you click, tap or respond!
Debit Card Security
Protect Your Personal Information
Debit card fraud involves the unauthorized use of another person's card information to make purchases from their account or access their funds.
Card fraud occurs through a variety of channels, including online scams, data breaches, and card or mail theft. Know how to defend yourself and rest assured Maui Federal Credit Union is continually monitoring for threats and suspicious activity. Luckily, there are a number of things you can do to protect yourself:
- Be Careful with Your Card Information
- Record your card and account numbers along with expiration dates in a safe place at home. Include the phone number for each card company so you can report fraud and minimize damage quickly.
- Carry only the cards you need so there is less for a potential thief to take and fewer cards you'll have to freeze if your wallet is lost or stolen.
- Shred documents containing personal information before throwing them away.
- Never give your account number to anyone on the phone unless you initiated the call to a company you know to be reputable.
- Use Your Card Wisely
- Never sign a receipt leaving lines, such as the total, blank. The information on a blank receipt may be changed after you've already signed it. Drawing a line through any blank spaces may help.
- Watch your card during a transaction and make sure you get it back.
- Look for irregularities with an ATM before using it, especially with the card slot. If it looks odd, it may be a skimmer used to capture your credit card information. If you notice it after you've inserted your card, alert the card issuer.
- Be cautious when using your cards online. Only enter information on websites you're 100 percent sure are legitimate or use a third-party site when you can.
What to Do in Case of Fraud
If your Maui Federal Credit Union Debit Card is lost, stolen or compromised, please notify us immediately on our 24-hour service line at 1-800-472-3272 or stop by our office.
If a transaction was posted to your account that you didn't authorize, it's considered fraud and should be reported as such. Additionally, if you deliberately made a transaction that doesn't appear correct on your statement, you have the ability to dispute it.
What We're Doing for You
With the help of fraud prevention systems, our dedicated risk analyst and staff monitors your accounts for fraud and unusual activity and will notify you of any suspicious activity. We follow strict safeguards when mailing out cards and statements, and verify your identity whenever calling in. To be certain that we reach you quickly, please make sure we have your updated contact information.
Take Charge of Your Debit Card with CardValet®
Maui Federal Credit Union is proud to offer CardValet®, the mobile app that lets you control debit card usage and spending on the go. With the CardValet® app you can proactively manage your debit card account and help protect yourself against fraud, all from your smartphone. CardValet® gives cardholders the ability to monitor and control account transactions 24/7 by enabling customized settings and alert preferences.
With CardValet® you can:
- Set spending limits to allow transactions under a specified amount or decline transactions that exceed your defined threshold.
- Control transactions to merchant specific categories such as gas, grocery store, or restaurants.
- Turn the card "on" to allow transactions in accordance to your specified usage controls or turn the card "off" to disable card usage.
- Set location controls to restrict transactions to merchants within a certain range of the cardholder's location. Transactions made outside of the specified range will be declined.
- Monitor and control debit card usage for dependents.
- And much more!
Getting started with CardValet® is easy. Simply download the FREE CardValet® app from the Apple® app store or Google Play™ and register your debit card.
Important Travel Notice
In an effort to protect your account from fraudulent transactions, Maui Federal Credit Union has blocked all debit card transactions that originate or occur in countries other than the United States. Prior to traveling outside of your normal area of card use, be it domestic or foreign, please notify us of your travel dates and destinations, including stopovers if you’ll have connecting flights, along with travel contact information so we can reduce the chances that your legitimate transactions will not be blocked and help us to contact you faster if fraud is suspected.
ATMs are vulnerable to a scam called "skimming"—when someone steals your account information by attaching a magnetic strip called a card "skimmer" over the slot where you insert your ATM card. With this information, the scammer can recreate your card and drain your account.
Protect yourself from skimming and other threats at the ATM with these tips:
- Avoid standalone or unusual-looking ATMs; choose one in well-lit areas like lobbies or stores.
- Have your card ready and stand directly in front of the ATM. Leave once your transaction is complete.
- Stop the transaction and notify the ATM owner if something seems suspicious with an ATM's keyboard or card slot.
- Shield the keyboard with your hand as you enter your PIN and be aware of anyone standing too close.
- Notify the ATM owner immediately if your card is not returned from the machine.
- Report all suspected crimes to the ATM operator/owner and to local law enforcement officials.
- Don't let other people use your cards or know your PIN—memorize the number instead of writing it down.
- Keep your car doors locked, other windows closed and the engine running when at a drive-thru ATM.
What To Do If You're a Victim
If you suspect a skimming device has been installed on an ATM, notify the ATM owner. Contact your local police department to file a report as well. Monitor your accounts regularly, either by using our mobile app or online banking. If you notice suspicious transactions, report them immediately.
Phishing scams try to lure account holders into providing personal or financial information to scammers posing as a legitimate business. Most phishing scams are emails with messages that encourage you to click on certain links. Once clicked, either spyware is downloaded to your computer/mobile device or you’re directed to questions about your personal information. Other phishing scams are conducted by phone calls, text messages and social media.
What You Can Do
Be wary of emails, messages or phone calls that request your confidential information like your Social Security Number, account numbers, login IDs, PINs and passwords, or any other personally identifiable information. If an email looks suspicious or is from an unknown source, don’t provide any information, open any attachments or click on any links, even if the email threatens to close or suspend your account or states your account has been compromised. Remember–your financial institution or credit card issuer already has personal information and shouldn't be asking for it. Send an email to firstname.lastname@example.org to alert of any suspicious messages that appear to be from Maui Federal Credit Union or call us at (808) 873-5050.
If you supplied personal information via email, phone, social media or other means to someone you suspect was scamming you, contact Maui Federal Credit Union at (808) 873-5050.
What To Do If You Suspect You're a Victim
If an email looks suspicious or is from an unknown source, do not provide any information, open any attachments or click on any links. Look up the website of whoever the message appears to be from and go to it directly. Always beware of anyone who contacts you asking for personal information, such as account numbers. Your financial institution or credit card issuer already has them and shouldn't be asking for them.
Take these steps immediately:
- Ensure that your computer's firewall, anti-virus and spyware detection software is current.
- Run a virus scan on your computer and clean up any viruses or trojans that are detected.
- Change your online banking password and username from an uninfected computer.
- Change your mobile password or enable touch ID.
Fraud & Identity Theft Reporting
Help Us Protect Your Financial Information
- Check your statements frequently to ensure they match your recollection and your other records. If at any time you notice any discrepancies between your statements and your other records, please notify us immediately at (808) 873-5050.
- Never give out account numbers or other personal financial information before discarding it.
- Always shred personal and financial information before discarding it.
- Every year, review your credit report. You're entitled to a free credit report annually.
Simply contact one of the three main credit-reporting bureaus:
Victim of Identity Theft? Take Charge!
When it comes to identity theft, time is of the essence. If you suspect you’ve been a victim of fraud, don’t wait to investigate – follow these steps to take charge and minimize the damage:
- Place an initial fraud alert by calling one of the three major reporting agencies – Equifax, Experian or TransUnion.
- While you’re at it, request a copy of your credit reports (by law, you are entitled to one free copy from each reporting agency every 12 months), and review them for any accounts you do not recognize.
- If you know which of your accounts have been compromised, contact the related business as soon as possible. Be sure to dispute any of the transactions that you did not authorize.
- If you suspect the fraud is not limited to a financial account, but rather your identity, file an identity theft report with the FTC. Then, contact the financial institutions for each of your account(s) and request that the accounts be closed immediately.