Fraud & Security
At KeyPoint, we’re committed to protecting our Members’ privacy, security and account information. Learn more about how we safeguard your accounts, and what you can do avoid becoming a victim of fraud
How We Safeguard Your Accounts
We implement the latest technology to make sure your Online and Mobile Banking are secure:
- Online Banking utilizes Secure Socket Layers (SSL) certificates with the highest encryption strength available today. This ensures that all transmissions during your Online Banking session are secure.
- Online and Mobile banking use Multi-Factor-Authentication. Rather than just a user name and password to log in, KeyPoint also uses Out-of-Band authentication, if your device is not recognized by the system. This method will send you a code, either via text or by an automated phone call, that must be entered when you log in from a computer or device.
We provide the highest level of security for your cards, including:
- EMV Chip Technology – KeyPoint VisaÒcredit and debit cards are embedded with a small EMV computer microchip to better safeguard your card data. EMV cards, also known as chip cards or smart cards, are the global standard for reducing common card-related fraud.
- Falcon - KeyPoint uses an industry-leading called Falcon to protect your card transactions. Falcon learns your purchase patterns, comparing real-time authorization data with your individual card behavior and existing trends. When cards are compromised, we are notified by the Visa fraud network –– we block the compromised card and send you a new one.
- Visa Checkout - We have partnered with Visa to offer Visa Checkout to protect you when shopping online. Once you register your KeyPoint card, the service will help make your online purchases more secure.
- Travel Notification - When traveling abroad, please submit a Travel Notification Form to let us know the dates and countries you are visiting –– so we don’t suspect fraud and block your card.
Set up a password on your account.This password will be requested whenever you conduct business with KeyPoint at a branch or over the phone. To set up your password, call (888) 255-3637 or visit a KeyPoint branch.
Avoid passwords that could be guessed by information you’ve posted on social media –– for example, schools you’ve attended, pet names, former residences, or mother’s maiden name. To learn more, see http://www.productivity501.com/10-tips-for-creating-secure-passwords/253/.
Watch out for skimmers at ATMs and point-of-sale devices at grocery stores and gas stations. Criminals may tamper with these devices by installing skimmers. The skimmers collect data from the magnetic stripe, and thieves use the data to make purchases or withdrawals from your account.
Be on the lookout for phishing scams where criminals trick victims into providing personal information usually with email spam, online pop-ups, or by impersonating your financial institution.
Phishing is often very difficult to detect, so it’s important to stay vigilant and:
- Do not answer emails and calls from people you don’t know –– if they ask you to confirm personal or financial information and/or make urgent requests for this information.
- Only communicate personal information via secure websites or when you initiate the call.
- Do not click on links, download files or open attachments in emails from unknown senders.
- Never email personal or financial information, even if you know the recipient –– email accounts can be hacked or accessed by others.
- Beware of links in emails that ask for personal information, even if the email appears to come from a legitimate company –– phishing websites often copy legitimate websites to look authentic.
- Never enter personal information in a pop-up screen, do not click on links in a pop-up screen, and do not copy web addresses into your browser from pop-ups.
- Protect your computer with the most up-to-date firewall, spam filters, anti-virus and anti-spyware software.
- Don't give out critical information over the phone unless you initiate the call.
- Shred documents with sensitive information, like credit card offers, statements and receipts.
- Check your mailbox daily and have a neighbor collect mail for you or hold it at the post office when you travel.
- Check your statements carefully, and call if you don't receive your statement on time.
- Enroll in e-Statements to eliminate the need for mailed statements.
- Don’t carry your Social Security card.
- Check your credit report annually for accuracy.
- Cancel unused credit cards
1. Contact the fraud departments of the three major credit bureaus:
- Equifax: 1-800-525-6285
- Experian: 1-888-397-3742
- TransUnion: 1-800-680-7289
2. Close all accounts that have been impacted.
3. Report the crime to the local authorities and to the Federal Trade Commission at 1-877-ID-THEFT (1-877-438-4338). You might also want to contact:
If you suspect your confidential information has been compromised, call us immediately at (888) 255-3637.