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

KeyPoint Credit Union’s Security Commitment

KeyPoint Credit Union is a California credit union dedicated to protecting your privacy, security and account information. We will never initiate a request by phone or email for your account information, or for the security code on your Visa® debit or credit card. If you receive a call or email requesting this type of information or suspect your confidential information has been compromised, please call our Contact Center immediately at (888) 255-3637 and we will take necessary measures to protect your KeyPoint accounts.

Online and Mobile Banking Security

We implement the latest technology to make sure your Online and Mobile Banking experiences are highly 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 sent encrypted.

Online and Mobile banking use Multi-Factor-Authentication. Rather than just a user name and password to log into Online and Mobile Banking, we also use 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 don’t recognize. 

Card Security

KeyPoint now offers EMV debit cards, which carry a small computer microchip to better safeguard your card data. EMV cards, also known as “chip cards” or “smart cards,” are used in over 130 countries and have become a global standard for reducing common card-related fraud. 

Be cautious when using ATMs and any point-of-sale devices at grocery stores and gas stations. Criminals often tamper with these devices by installing skimmers. The skimmers collect data from the magnetic stripe, and thieves use the data to make purchases or withdraw cash from your account. 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 debit or credit card, these services will help make your online purchases more secure. Additionally, KeyPoint Credit Union 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 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. 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 eStatements 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.