At Unity One Credit Union, we place a high priority on protecting the security and confidentiality of member records and information. We have implemented a comprehensive information security program designed to protect against threats or hazards to the security or integrity of member records and to protect against the unauthorized access or use of such records or information. Our goal is to also help you to protect yourself against fraud and identity theft by making you aware of the latest scams and advising you on how to avoid becoming a victim.

Neither the credit union nor any other entity that transacts business can guarantee absolute privacy. Our commitment is to provide reasonable safeguards to member privacy against reasonably foreseeable threats. These safeguards include the following:

• Building and computer room access restrictions. No entry by non-employees or non-officials is permitted to non-public areas of the credit union where data or files are stored. Privileges on the credit union's information processing and storage system is restricted based on the employee's need to access information in fulfilling their member service duties.
• Identity authentication. For in-branch transactions, identity is verified by the employee viewing a photo identification or by visual recognition for known members. For telephone transactions, identity is verified by requesting information known to the member but not likely known by others. For Express Home Banking access and Express Telephone Banking, we have added multi-factor authentication to further protect members against stolen PINs by adding another layer of identification requirements. Changes to a member's address will not be accepted by phone. All such requests must be submitted in writing along with the member's signature.
• Firewalls. Unity One CU's computer networks are protected by firewalls that prevent any unauthorized access to our computers. Every message that enters or leaves the Unity One network passes through a firewall which will block any message that does not meet our strict criteria. This is one of our key safeguards that protect your information.
• Intrusion Detection Monitoring. Our computer network is monitored 24 hours a day, 365 days a year for potential hacking attacks or other unauthorized intrusion. This state-of-the-art service will immediately respond to any threats by preventing access to our network and notify us in the event of any potential intrusion.
• Secure transmissions and Encryption. When you use the internet to conduct transactions or communicate with Unity One CU, we use an encryption protocol known as Secure Socket Layer (SSL) to protect your personal information. SSL converts sensitive data into secure code that cannot be decrypted by others and then sends the encrypted code over a secure connection. All transactions conducted over Express On-line Home Banking (including Bill Pay transactions) are encrypted and conducted over a secure connection.
• Virus protection. Unity One CU uses the latest virus software programs on our systems to help keep our computer networks virus-free. Through these anti-virus programs you can communicate with us in a safe and secure manner.
• Automatic sign-off. For your security, when using Express Home Banking, if there is no activity on your computer for 10 minutes we automatically end your on-line banking session. This reduces the chances of unauthorized access to your accounts.
• Secure Log-In. When trying to access Express Home Banking or certain transactions on Express Telephone Banking, you will be required to go through several layers of identity authentication. In addition to a Personal Identification Number (PIN) that you establish, you will be asked to establish a security image (for Home Banking) that lets you know that you are at Unity One CU's home banking site and you may be asked to answer a number of challenge questions. You also have the option of entering your PIN on-line using an electronic keyboard which prevents an outsider from using spyware to track your keyboard entries. All of these additional steps are designed to provide the highest level of protection against on-line identity theft.
• On-line E-Statements. E-Statements add another level of security for your personal information. You have the option of receiving your statements electronically via Express Online Home Banking rather than receiving a paper statement in the mail. The E-Statements are protected by the same multi-factor authentication steps, secure connections and encrypted data mentioned above. Paper statements can easily be stolen at any point during the mailing process - including from your own mailbox! E-Statements are safe, secure and faster in delivery.
• Email Policy. Unity One CU's commitment: We will NEVER send unsolicited emails asking members to provide, update or verify personal information such as passwords, Social Security numbers, PINs, credit or debit card numbers or any other personal, confidential information.
• Visa Zero Liability. This feature, offered on all of our credit and debit cards protects you from unauthorized transactions. No matter where you shop, you'll never pay for transactions that you didn't perform or authorize.
• Verified By Visa. This free service protects your Unity One CU Visa credit or debit card from unauthorized usage online. By registering for this service, you will receive a unique password that offers an extra level of security when using your credit or debit card to make purchases online. Click on the button below to learn more about this free service.
• Credit & Debit Card Protections. Unity One CU provides all of the latest protections on your credit and debit cards including 24 hour, 365 days a year monitoring of transactions utilizing a neural network application. This application monitors "normal" activities based on your spending and usage patterns and calculates a risk score. Any transaction that appears to be abnormal for you based on the amount, location of the transaction or frequency of usage may generate an alert, which we will follow-up on. All cards also require CVV validation (an additional code that appears on the back of your card), expiration date validation, daily dollar limits, card activation and other protections designed to prevent fraud.
• Lifelock. This service (available for a small monthly fee) provides a high level of identity protection and if your identity is ever stolen, will work closely with you to recover your good name. Click on the button below for more information about this great service.

Verified By Visa
Unity One Privacy Policy
Lifelock (Identity Theft Prevention)

You are your own best protection against online fraud and identity theft. By staying informed, you can help protect your identity and your accounts against fraud or theft. We encourage you to read the useful articles below to make yourself a better-informed consumer.

Interesting Articles:

Con Artists Switch From Phishing to Vishing
10 Ways to Spot Email Scams
Keep Kids Safe Online
Online Banking Makes Money Management Simple & Safe
If It Looks Too Good to Be True...Recognizing and Preventing Fraud

Types of Fraud

Tips to Protect Yourself from Becoming a Victim of Fraud or Identity Theft

Identity Theft

• Don't include your Social Security number or driver's license number on sensitive documents.
• Don't leave incoming mail lying around.
• Drop your mail in an official postal mailbox.
• Shred or destroy any junk mail before you throw it away.
• Don't respond to unsolicited requests for personal or account information.
• Use a safe deposit box to protect important documents.
• Review your credit report at least once a year.

Online Fraud

• Look beyond the company logo.
• Use your Spam filter.
• Type, don't click. Type web addresses into your browser instead of clicking on links. If the email is from an institution you do business with, use a bookmark that you've already created to visit the website.
• Change your online password every 30 to 60 days. Include numbers and letters so others can't guess passwords.
• Update your anti-virus and anti-spam software. Keep your anti-virus and anti-spam software up-to-date. You can purchase this software at many area retailers.
• Delete emails from unknown senders.

Credit Card Fraud

• Sign your cards immediately.
• Memorize your PIN and don't write it on anything.
• Don't enter your card online unless you are on a secure site.
• Keep a record of all your account numbers, expiration dates, and contact information for each issuer.
• Report a lost or stolen credit card immediately.
• Save your receipts to compare against your billing statement. When discarding receipts, tear them up or shred them.
• Monitor your statements monthly.
• Review your receipts for voided transactions and be sure they do not post to your account.
• Only carry cards that you need; leave others in a safe place at home.
• Don't give out your account number unless you know and trust the business.
• Shield your hand from view of others when entering your PIN at ATMs.

Telephone Solicitations

• Register your home and cell phone numbers with the National Do Not Call Registry or call 888.382.1222 to prohibit telemarketers from calling you. You must call from the number you want to register.
• Use caution when disclosing personal information.

Print Fraud

• Do your homework. If an offer in an advertisement seems too good to be true, it probably is.
• Research information about the company through the Better Business Bureau

Check Scams

• Use Direct Deposit for paychecks, Social Security payments, and other regular deposits.
• Be aware of fake check scams that promise easy money.
• Do not leave your checkbook unattended.
• Report lost or stolen checks immediately to Unity One CU at 800. 628.5517

Mail Fraud

• Shred documents containing personal information before placing them in the trash.
• Report any unauthorized transaction to Unity One CU immediately at 800.628.5517.

Useful Links:

• The Anti-Phishing Working Group www.antiphishing.org or reportphishing@antiphishing.com
• The Federal Trade Commission at spam@uce.gov
• The internet fraud complaint center of the FBI www.ifccfbi.gov
• Texans Fight ID Theft  www.texasfightsidtheft.gov
• Federal Trade Commision Fight ID Theft www.jag.navy.mil/documents/idtheft.pdf
• Credit Union Department, State of Texas Anit-Phishing www.tcud.state.tx.us
• Money Magazine, "Are You Fish Food?" Quiz.