Keeping your information secure

Don't get caught in a phishing scam!

Many emails sent contain malware (malicious software).  Even emails from your friends and family can unintentionally expose you to increased fraud risks.  Fraudsters try to phish for your information through any sites they can - not only through online banking websites.

What is phishing (email fraud)?

• Fraudsters send an email to a wide audience that appears to come from a reputable company in order to obtain your personal information.
• They hope to convince you to share your information by using compelling language, such as an urgent need for you to update your information immediately or a need to communicate with you for your own safety or security.

How do you spot it?

• There is often a sense of urgency to react immediately to verify or resubmit your personal information.
• Typos and incorrect grammar.
• Strange or unfamiliar links. Remember, always type a URL into your web browser instead of clicking on a link.

How to report it?

• If you believe your confidential information may have been stolen or obtained by a fraudulent party either online, by telephone or through any other means, call us immediately.
• For phishing emails or fake websites, please notify us by forwarding the supporting documentation (such as copies of emails, anti-virus/anti-spyware scan logs) to privacy {at} yncu {dot} com for analysis.

How to prevent it?

• Play it safe: If you don't know the source of an email or if it looks suspicious, do not open it or click on any links contained in it.
• Be safe: Never share your personal information, password, and security questions with anyone.
• Contact us: If you suspect you are a victim of fraud or want to confirm potentially suspicious activity, contact us immediately.

For more information about scams, fraud and phishing, visit the Canadian Anti-Fraud Centre at
www.antifraudcentre.ca

Online Banking

YNCU uses data encryption and firewalls to maintain the security of the information it receives through the online banking website ("Website"). Nevertheless, security and privacy risks cannot be eliminated. In order to protect your own security, you must access and use the website using commercially available browser software that provides 128-bit encryption and SSL (Secure Sockets Layer) technology, and avoid using your browser software’s “save password” feature. Once you have initiated a session in connection with the Website, you must not leave the computer from which you have accessed the Website unless and until you have terminated the session and logged off the Website. When you complete a session, you are responsible for clearing your browser’s cache or temporary internet files to ensure your personal information is not accessible to others.

Email and your personal information

E-mail is not secure or confidential unless properly encrypted. Consequently, YNCU discourages the use of e-mail to send personal or financial information to YNCU. Persons that use e-mail for those purposes do so at their own risk, and YNCU will not be responsible or liable to you or any other person for any loss or damage suffered as a result of your use of e-mail to communicate with us, or the use of e-mail by YNCU to communicate with you or other persons at your request.

Your Neighbourhood Credit Union will NEVER send an email asking you to verify personal or account information by email. If we need to contact you about anything, someone will call you or send a letter.

Learn to recognize scams

There are many known scams, and new ones are invented every day.  Arm yourself with information for your own protection.  To learn more about current scams, identity theft, fraud and more, visit the Canadian Anti-Fraud Centre at www.antifraudcentre.ca.

Identity Theft & Security

With every advance in technology that makes banking and shopping easier and more convenient for you, unscrupulous individuals devise more and more sophisticated ways to cheat and steal. These days, that includes your identity and credit rating, not just your money.

You can fight back and protect yourself... be smart, be safe.

Download information booklet below:

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Protect your identity