Financial Security

Your credit union works to protect you through multiple levels of data security processes.  And there are ways to protect your identity and financial data both online and at ATMs.  Read more below.

How We Protect Your Financial Information

Your credit union has policies and procedures in place to protect your card and transaction data:

We constantly monitor your credit card and Visa® Debit card accounts and flag suspicious activity. When necessary, you will be contacted to verify the purchasing information, and, in extreme cases, block or close the account.

  • We protect your data through multiple layers of security, above mandated state or federal regulations. In addition, external examiners evaluate the security of our systems and identify new ways to protect your data. Our network monitors and protects your card information against fraud and theft using the industry's most sophisticated technology.
  • Although we hope that your credit card or Visa debit card data is never compromised, fraud losses on those accounts are protected by Visa's and MasterCard's Zero Liability Policies.

If you feel that your personal financial information has been compromised, immediately contact the Call Center at 889-7755 (800-347-2838 outside the Albuquerque area).

Protect Yourself With Internet Banking

  • Review your account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to your financial institution.
  • Do not use public or other unsecured computers to log into Internet Banking.
  • Create a "strong" password with at least eight characters, including a combination of mixed-case letters, numbers, and special characters.
  • Change your password frequently.
  • Take advantage of and regularly view mobile alerts.
  • Review historical reporting features via Internet Banking on a regular basis to confirm payment and other transaction data.
  • Never leave a computer unattended while using Internet Banking.
  • Never conduct banking transactions while multiple browsers are open on your computer.
  • Whenever possible, update your browser to the latest version. Unsure which browser you're using? Verify your browser version.

Protect Yourself Against Online Fraud

  • Avoid using the same password among multiple accounts.
  • Create a "strong" password with at least eight characters, including a combination of mixed-case letters, numbers, and special characters.
  • Change your password frequently.
  • Never share username and password information with anyone.
  • Do not use account numbers, your Social Security number, or other account or personal information when creating account nicknames or other titles.
  • Avoid opening attachments in email that you were not expecting. Be particularly wary of emails that warn of some dire consequence unless you take action immediately.
  • At, you can take interactive quizzes designed to educate you about identity theft, phishing, spam, and online shopping scams.

Protect Yourself against Phishing

At the Anti-Phishing Working Group website, you can see a list of phishing scam emails and websites to help you identify phishing attempts and avoid being scammed. You can also report phishing incidents there.

Always bear in mind that reputable financial institutions and service organizations never ask for any personal credit card or financial information via email, nor do they provide links within emails asking you to do so. Do not respond to these emails or give out any personal information.

Protect Yourself against Computer Viruses

See the latest virus threats at the Symantec website.

Protect Yourself against Card Skimming

  • Make sure your card stays in sight and don't let anyone leave your presence with your card if you can help it.
  • Monitor your receipts and your account history carefully, looking for variations in amount or merchant.
  • Use ATMs strategically, looking for machines with the highest amount of public visibility.  
  • When you use an ATM, shield the PIN pad with your hand as you are entering your PIN. 
  • When you first start using an ATM, look for any signs of tampering, particularly around the area where you insert your card.  If you notice anything odd, use another ATM and contact the credit union immediately.

What You Should Do If Your Wallet Or Purse Is Stolen.

It’s a good idea to do most – if not all – of these things:

File a police report as soon as possible to establish a record of the loss. If possible, get a physical copy of the police report at some point. You may be able to file a report and obtain a copy of it online, or you may have to go down to the local police station and pay a small administrative fee to get a copy. Either way, this report can be very useful in getting you a freeze on your credit file or an extended fraud alert at no cost if you decide to do that down the road.

Contact us and report any checks or credit/debit cards lost or stolen. Our  credit and debit cards all have  “zero liability” provisions, meaning you’re not on the hook for fraudulent charges or withdrawals — provided you report them promptly. The Truth In Lending Act limits consumer liability to $50.00 once a credit card is reported lost or stolen. Fraudulent debit card charges are a different story: The Electronic Fund Transfer Act limits liability for unauthorized charges to $50.00, if you notify your financial institution within two business days of discovering that your debit card was “lost or stolen.” If you wait longer, but notify your financial institution within 60 days of the date your statement is mailed, you may be responsible for up to $500.00.

Contact one of the major credit reporting bureaus (Equifax, Experian,  and Trans Union) and at the very least ask to put a fraud alert on your file, to prevent identity theft in the future. By law, the one you alert has to share the alert with the others. The initial fraud alert stays on for 90 days. If you have that police report handy, you can instead request an extended fraud alert, which stays in effect for seven years. You might also consider placing a security freeze on your credit file with the major bureaus.-Order a free copy of your credit report from one of the major bureaus. By law, you are entitled to a free report from each of the bureaus once a year. The only real free place to get your report is via the site mandated by the federal government: .



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