At First Community Credit Union, we're committed to helping you keep your accounts secure while maintaining easy access. As we move away from email-based one-time passcodes, let's review some key security practices to keep your online banking experience safe and smooth.
Choosing the right 2FA method for you
Two-Factor Authentication (2FA) is a crucial defense against unauthorized access to your account. It verifies your identity using something you know (your password) and something you have (like your phone). Here are your options:
- SMS/Text Messages: Quick and convenient for most users.
- Phone Calls: A good alternative if you prefer voice communication.
- Authenticator Apps: The most secure option, generating codes right on your device. (We support both Microsoft and Google Authenticator)
Pro Tip: You can list up to four phone numbers for 2FA. We recommend using numbers that belong only to you and enabling them for text messages for added convenience.
Keeping your account secure
- Use strong, unique passwords: Ensure your online banking password isn't used for any other accounts, especially your email.
- Never share one-time passcodes: These codes are for your eyes only. We will never ask you to share these codes with us or anyone else.
- Be wary of unexpected codes: If you receive a 2FA code when you're not trying to log in, contact our support team immediately.
- Keep your contact information updated: Ensure your phone numbers and other contact details are current in your account settings.
- Use biometric login for mobile: Our mobile app supports fingerprint and FaceID logins for supported devices, adding an extra layer of security.
- Be alert to phishing attempts: Be cautious of unsolicited emails, texts, or calls asking for your banking information or login credentials.
- Regular security check-ups: Periodically review your security settings and update them as needed.
Remember, a good security system verifies something you know, something you have, and something you are. By using a strong password, enabling 2FA, and utilizing biometric login on mobile, you're covering all these bases.
Beware of Common Scams:
- Social Engineering: Scammers may try to manipulate you into revealing sensitive information. Always verify the identity of anyone requesting your account details.
- Phishing: Be cautious of emails or messages that appear to be from us but ask you to click on links or provide personal information. We will never ask for your password or full Social Security number via email.
- Phone Scams: If someone calls claiming to be from the credit union and asks for your 2FA code, it's likely a scam. Hang up and call us directly using our official number.
By following these practices, you're partnering with us to keep your accounts secure. If you ever have questions or concerns about your account security, don't hesitate to reach out to our support team.