Fraud & Security Hub

1. Never share your online banking login information with anyone. NIHFCU employees will never ask you for your login information.
2. Never reuse passwords among multiple accounts. If one password is compromised, then malicious actors can gain access to multiple accounts.
3. Enable biometric login, like fingerprint or facial recognition on your mobile device. If your device is ever lost, this extra layer of security will make it more difficult for anyone to access your personal information or to log in to online banking.
4. Keep your contact information up-to-date with the credit union. In the event that we detect a security threat, one of the first things we do is attempt to contact you. Take a moment to review your contact information in online banking to ensure it is up-to-date.
5. Only download apps and software from authorized sources (e.g Apple app store, or Google Play store) for your phone, tablet and computer.
6. Keep all of your operating systems, browsers, software and apps up-to-date with the latest versions and updates. Setup auto-updates wherever possible, so all updates are downloaded and installed automatically as soon as they become available.
7. Be very careful when using your phone, tablet or computer on a public wifi network. If you must use public wifi, consider installing a reputable VPN software or app to mask your device’s IP address. And never use a public computer or public wifi network to log in to online banking or any of your other important financial accounts.
8. Setup your mobile devices and computers to automatically lock after several minutes of inactivity so you never leave your device unprotected.
9. Make sure to always check your browser for the secure padlock icon next to the URL before ever entering any sensitive data into a web page.
10. Enroll in paperless statements to reduce your risk of identity theft through mail fraud.

Today, many popular apps and websites require that you provide access to your bank or credit union accounts by entering your password and user name for online banking. Whenever you do this, you are giving these companies full access to your account and personal information. If you choose to do this, it’s important to be aware of a few things:

1. The terms and conditions posted by these companies should contain information about how they protect and use your data, and if they will share your data with any other parties. Please read these carefully and only share access with organizations that you trust.
2. Many organizations will continue to access your data even if you are not using their software or have deleted their app. Make sure you understand what you need to do to terminate their access when you no longer use their products. One easy way to terminate access for any third parties to is to change your online banking password.

NIHFCU will never initiate a request for personal information (i.e. account numbers, passwords, SSN or tax ID information) via email, text, or social post, or by falsely requiring you to call a phone number different than our main lines. If you receive such requests, do not respond, delete them, and call us immediately at 800-877-6440.

To report a stolen or lost credit card, call 800-449-7728.

Freeze your credit with three credit bureaus, making it difficult for fraudsters to open accounts in your name.

View our Fraud Victim Recovery Center for help with reporting and receiving from a variety of fraud and ID theft scenarios.

Access this Victim Assistance Guide outlining many of the steps you should take if you fall victim.

File a complaint with the FBI’s Internet Crime Complaint Center

File a report with the FTC: Visit IdentityTheft.gov to report identity theft and create a recovery plan.

Credit monitoring: Alerts you to changes in your credit report, such as new accounts or credit inquiries. Learn more and register for NIHFCU’s My Credit Rx.

ID Theft Resolution Services – consider switching to NIHFCU’s CompleteCare Checking account, with ID Theft Resolution end Expense reimbursement services

What to do if you’re scammed – Federal Trade Commission

Fraud and Scams – Consumer Financial Protection Bureau

How to report Identity Theft– Federal Trade Commission

Understanding Online Privacy and Security– Federal Trade Commission

Identity Theft Basics

What To Do If Your Identity Has Been Stolen: 5 Crucial Steps

How to Protect Your Identity from Identity Theft