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Fraud & Security
We are committed to safeguarding your personal information and combatting fraud.
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Fraud & Security

KeyPoint is dedicated to protecting your privacy, security and account information. If you suspect your confidential information has been compromised, please call our Contact Center immediately at (888) 255-3637.

Click on a topic to learn about the ways KeyPoint helps you and steps you can take: 

 

Online and Mobile Banking Security

We implement the latest technology to make sure your Online and Mobile Banking is 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. 

Account Security

As an added measure of security, we encourage you to always take the following steps to help avoid any fraudulent misuse of your KeyPoint Credit Union account and theft of your identity:

  • Consider placing a password on your account. This password will be requested when you conduct business with KeyPoint at a branch or over the phone.  To set up your password, call 1-888-255-3637 or visit a KeyPoint branch.
  • Avoid passwords that could be guessed by information you’ve posted on social media, i.e. 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/.

Card Security

KeyPoint strives to protect you with the highest level of security for your cards:

  • Cards are embedded with EMV chip--a small 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.
  • Watch out for skimmers at ATMs and any 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.  
  • KeyPoint uses an industry-leading, advanced fraud detection system 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 and we will block the compromised card and send you a new one. In those circumstances, we will make every effort to contact you and advise you that your card has been blocked. 
  • When shopping online, we have partnered with Visa to offer both Visa Checkout and Verified by Visa. Once you register your KeyPoint card, these services will help make your online purchases more secure.   
  • When traveling abroad, please submit a Travel Notification Form to let us know the dates and countries you are visiting. That way we won’t block your card, as international purchases will otherwise invoke a suspicious alert to us.

Phishing

Phishing is a form of identity theft where criminals trick victims into providing personal information. Phishing scams are usually presented in the form of email spam, online pop-ups, or by impersonating your financial institution.

KeyPoint never initiates a request by phone or email for your account information, or for the security code on your Visa® debit or credit card.

Phishing is often very difficult to detect, so it’s important to stay vigilant and be aware of the following: 

  • Be very cautious about 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. Also, look out for emails and calls that are not personalized or try to upset you into acting quickly by threatening you with frightening consequences. (KeyPoint will never ask for your account or other information—we already have it). 
  • Only communicate personal information via secure websites or when you initiate the call; always look for signs that a website is secure, such as a lock icon on the browser’s status bar or an “https:” website address (the “s” stands for “secure” rather than an “http:”); be cautious of emails that ask you to call a phone number to update your account information. 
  • Do not click on links, download files or open attachments in emails from unknown senders; only open attachments when you know what they contain, even if you know the sender. 
  • 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 so they look authentic. 
  • Beware of online pop-ups and follow these tips: Never enter personal information in a pop-up screen; do not click on links in a pop-up screen; do not copy web addresses into your browser from pop-ups. 
  • Protect your computer with a firewall, spam filters, anti-virus and anti-spyware software; research the most up-to-date software, and update regularly to ensure that you’re blocked from new viruses and spyware.
 

Identity Theft

You have the power to protect yourself from being an identity theft victim:

  • Don't give out critical information over the phone unless you initiated the call. 
  • Shred documents that contain sensitive information, such as credit card offers, statements and receipts. 
  • Check your mail daily and make sure it’s secure. When traveling, have a neighbor collect mail for you or hold it at the post office.
  • Check your statements often and carefully, and call if you didn'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 often — at least annually — for accuracy.
  • Cancel unneeded credit cards.

If you suspect you’ve been victimized, act immediately. First, contact the fraud departments of each of the three major credit bureaus. Then close all affected accounts:

Equifax: 1-800-525-6285
Experian: 1-888-397-3742 
TransUnion: 1-800-680-7289 

Finally, report the crime to the local authorities and to the Federal Trade Commission at 1-877-ID-THEFT (1-877-438-4338). 

Other authorities you might want to contact in case of fraud: 

For more information on protecting yourself from identity theft, visit the Federal Trade Commission's central ID Theft site. Also, visit onguardonline.gov for more safety tips.