Hughes Federal Credit Union | Safety | Security | Fraud | ATM Tips

Safety and Security

Your account safety and security

How We Protect You
Protect Your Personal Information
Protect Yourself from Phishing Scams
Privacy Policy
Tips for ATM Use
Verified by Visa®
Online Banking Security


Hughes protects our members

The security of your Hughes Federal Credit Union account is one of our highest priorities. We value the trust you have placed in us by choosing to become a member, which is why we have stringent safeguards to protect your account information. Our commitment to your account's security includes:

Encryption

Any information submitted through Hughes online banking is encrypted using industry-standard technology. This ensures that in the unlikely event the information is intercepted by a third party, it is scrambled and very difficult to decode.

Passwords

Your account is protected by a password of your choosing that may be changed as often as you need. Credit Union employees do not have access to your password and will never ask you for it. If someone claims to be a credit union employee requests your password, refuse and immediately report the incident to our Member Contact Center.


Lock Out

For security purposes, we "lock out" anyone who tries more than a few times to log in without the correct account number and password. A call to our Member Contact Center to verify ownership of the account will be required to unlock the account.

Automatic Log Out

We strongly recommend taking the time to properly log out of your online banking session when complete, however for added security, the online program will automatically log out after 10 to 15 minutes of inactivity.

Communication

It is important that you carefully review your credit union statements as well as any other communications you receive from us. If you feel that your account information has been compromised, please call our Member Contact Center immediately at 520-794-8341 or 800-253-8245 outside Tucson, or write to us using our secure email form and we'll take steps to block further access to your account while the matter is investigated.


Protect Yourself

The more you know about protecting yourself from scams, fraud and identity theft, the less likely it is that you'll become a victim. We are committed to keeping our account holders informed of important resources for financial safety and security. Click on to the items below to find ways to protect yourself:

Protect Your Personal Information
Protect Yourself from Phishing Scams
Privacy Policy
Tips for ATM Use
Verified by Visa®


Protect Your Personal Information

To help you control the increase in scams, we've provided these links to keep you informed of how to protect your personal information (remember to contact your financial institution immediately should you become a victim of phishing or other fraudulent activity).

National Credit Union Administration (NCUA): How to Avoid Becoming a Victim of Identity Theft

Phishing

Please forward any fraudulent phishing email that appears to be from the NCUA to Phishing@NCUA.gov. Additionally, you can file formal complaints concerning suspected fraudulent email with the Internet Fraud Complaint Center (IFCC) at IC3.gov.

If you suspect that your personal information has been compromised, follow these three important steps:

Contact the credit union and other financial institutions you do business with including credit card issuers, as soon as possible. Advise them of possible criminal activity. Close any accounts that you believe have been tampered with or opened fraudulently.

Contact the fraud department of each of the credit bureaus listed below and advise them you are a victim of fraud.

File a report with the local police of where the fraud took place.

Credit Bureaus

Equifax
Phone: 800-525-6285

Experian
Phone: 888-397-3742

TransUnion
 Phone: 800-680-7289


ATM Safety Tips

Choosing an ATM

When possible, use familiar ATMs or choose well-lit, well-placed ATMs where you feel comfortable.

Scan the whole ATM area before you approach it. Avoid using the ATM altogether if there are any suspicious-looking individuals around or if it looks too isolated or unsafe.

Have your card accessible before approaching the ATM and avoid opening your purse, bag, or wallet while in line..

Check to see if anything looks unusual or suspicious about the ATM indicating it might have been altered. If the ATM appears to have any attachments to the card slot or keypad, do not use it. Check for unusual instructions on the display screen and for suspicious blank screens. If you suspect that the ATM has been interfered with, proceed to another ATM and inform the bank.

Avoid ATMs which have messages or signs fixed to them indicating that the screen directions have been changed, especially if the message is posted over the card reader. ATM owners will not put up messages directing you to specific ATMs, nor will they direct you to use an ATM which has been altered.


Using an ATM

  • Be cautious when strangers offer to help you at an ATM, even if your card is stuck or you are experiencing difficulty with the transaction. You should not allow anyone to distract you.

  • Check that other individuals in line keep an acceptable distance from you. Be on the lookout for individuals who might be watching you enter your PIN.

  • Stand close to the ATM and shield the keypad with your hand when keying in your PIN (you may wish to use the knuckle of your middle finger to key in the PIN).

  • Follow the instructions on the display screen, e.g., do not key in your PIN until the ATM requests you to do so.

  • If you feel the ATM is not working normally, press the cancel key, withdraw your card, and proceed to another ATM. Report the matter to your financial institution.

  • Never force your card into the card slot.

  • Keep your printed transaction record so that you can compare your ATM receipt to your monthly statement.

  • If your card gets jammed, retained, or lost, or if you are interfered with at an ATM, report this immediately to the ATM owner or police using the help line provided or nearest phone.

  • Carefully secure your card and cash in your wallet, handbag or pocket before leaving the ATM.


Managing your ATM use

  • Memorize your PIN (if you must write it down, do so in a disguised manner and never carry it with your card).

  • NEVER disclose your PIN to anyone, even a family member, credit union staff member, or police officer.

  • Do not use numbers that are obvious or easy to guess for your PIN like your date of birth.

  • If you think your card number or PIN may have been compromised, report it to the credit union immediately.

  • Regularly check your account balance and statements and report any discrepancies to the credit union immediately.


Online banking security

Any information that you submit through online banking is encrypted using 128-bit SSL technology, the current standard for financial institutions nationwide. Even if the information you submit is intercepted by a third party, it is scrambled and very difficult to decode.

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