Cyber Security FAQs

Cyber Security FAQs

    1. Where can I find more information about EKC’s cyber security?
    2. What does EKC do to protect your security?
    1. EKC takes many precautions to protect the online banking environment and ensure your information is safe. Our online services offer you the best security currently available in a commercial environment so that your personal and financial information is protected while in transit between your computer and our server.
    2. This is done through the use of industry standard security techniques such as encryption. Encryption ensures that information cannot be read in transit or changed by scrambling the data using a complex mathematical formula. Some browsers can create a more secure channel than others, due to the ‘strength’ of their encryption.
    3. EKC uses only the strongest channel available - referred to as 128-bit SSL (Secure Socket Layer). If you have a browser that only supports ‘weaker’ encryption such as 40-bit or 56-bit SSL, you will need to upgrade your browser before using our site. The longer and more complex the ‘key’ is, the stronger the encryption. The 40 and 128 refer to the length of the key. Since 128 is longer, than 40, it is more secure. According to Netscape, 128-bit encryption is trillions of times stronger than 40-bit encryption.
    4. EKC requires members to provide a Personal Access Code (PAC) to access your account information. This should not be a standard number like 12345 or 22222.
    5. EKC logs you out of your account after 20 minutes of inactivity on your online banking session and you will be required to login again. Personal information may remain visible after that time. To ensure your information remains private you should always logout of online banking to end your session.
    6. Access to EKC’s databases is strictly managed and systems are in place to ensure security is not breached, including the physical security of our computer hardware and communications.
    3. What can you do to protect your Personal Access Code (PAC)?
    1. Just as you play a vital role in ensuring the security of your home and your possessions, you too share in the responsibility for ensuring that your personal information is adequately protected.
    2. It is your responsibility to ensure that your Personal Access Code (PAC) to access online banking is protected. Please observe the following security practices:
    • Select a Personal Access Code (PAC) that is easy for you to remember but difficult for others to guess.
    • Never use the same Personal Access Code (PAC) or password for everything
    • Do not select a part of your PIN (your ATM ‘key’) or another password.
    • Keep your Personal Access Code (PAC) confidential and do not share it with anyone.
    • Do not write your Personal Access Code (PAC) down or store it in a file on your computer.
    • Never disclose your Personal Access Code (PAC) in a voice or email, and do not disclose it over the phone.
    • Ensure no one observes you typing in your Personal Access Code (PAC).
    • Change your Personal Access Code (PAC) on a regular basis. We suggest every 90–120 days.
    4. Do you need to consider what devices (computer, tablet or phone) when accessing your online account?
    1. EKC has provided a secure channel for you to communicate with us. Once the information has reached your computer, phone or tablet, it's up to you to protect it.
    5. How do you protect your information?
    1. Never leave your computer unattended while using our online banking services.
    2. Always exit the site using the logout button and close your browser if you step away from your computer. Your browser may retain information you entered in the login screen and elsewhere until you exit the browser.
    3. Secure or erase files stored on your computer by your browser, so others cannot read them. Most browsers store information in non-protected (unencrypted) files in the browser's cache to improve performance. These files remain there until erased. They can be erased using standard computer utilities or by using your browser feature to ‘empty’ the cache.
    4. Disable automatic password-save features in the browsers and software you use to access the Internet.
    5. Install and use a quality anti-virus program. As new viruses are created each and every day, be sure to update your anti-virus program often. It is recommended you update anti-virus definitions weekly. Scan all download files, programs, disks and attachments and only accept files and programs from a trusted source.
    6. Install and use a personal firewall on your computer to ensure others cannot access your computer through the Internet.
    7. Install new security patches as soon as your operating system and Internet browser manufacturers make them available.
    8. Install an anti-spyware program and check your computer regularly.
      6. What should you do to protect your information when using a public computer?
      1. Please be extra vigilant when using publicly available computers.
      2. Avoid using search engines to access EKCCU.COM. They may pose a security risk as they cache items that you have viewed so you - or potentially, an unwelcome third party - can easily search and find those pages later again.
      3. Adjust the search program preferences so it does not store secure pages you view.
      7. Can accessing a non-reputable site affect you?
      1. To ensure you have a safe and secure internet session, only visit reputable sites. If you visit any questionable website beforehand, please close your browser and restart it before proceeding to use our online banking services.
      2. Never download pirated or cracked software. This type of software almost always includes some type of malware. It is also illegal.
      8. What do I do if I suspect fraud?
      1. Contact EKC immediately if you suspect any unusual activity.
      9. What is identity theft?
      1. Identity theft is when someone uses your personal information without your knowledge for criminal purposes. They may use the stolen information to gain access to your financial accounts, hack into your online accounts, and/or defraud others.
      2. Identity theft usual starts when someone responds to a fraudulent email that asks for your personal banking information. They may be able to access your accounts or establish credit, pay for items or borrow money using your name.
      10. How do you protect yourself against identity theft?
      1. EKC will never ask you for your personal passwords, personal information numbers or login information in an email. If you receive such an email report this to EKC.
      2. When banking online, check the address of any pages that asks you to enter personal account information. In the toolbar at the top of the page any legitimate Internet banking website will begin with ‘https’ to indicate that the page is secure.
      3. Look for the padlock found in the lower right corner of your screen. If the page is legitimate, by clicking on the padlock, you can view the security certificate details for the site. A fraudulent site will not have these details.
      4. Type in our web address yourself to ensure you are transacting with our server.
      5. Check your statements regularly to ensure that all transactions are legitimate. We recommend every 30 days.
      6. If you do not receive paper statements, then check your e-statement on EKC’s online site every month.
      7. Contact East Kootenay Community Credit Union immediately if you suspect someone has gained knowledge of your PAC/PIN, or if you suspect any loss, theft or unauthorized use of your account.
        11. Should you have antivirus software on my personal devices?
        1. YES, there are several free ones and multiple subscription services to keep your computer virus free. Download and use them. Don't turn them off because you think it makes your computer run slow. Leave them on and stay protected. Upgrade your device if you think the antivirus program slows it down.
        12. Should you click a popup windows that tell you that your computer is infected with a virus?
        1. Antivirus software doesn't work that way. Those popups install malware onto your computer, with your permission. Sometimes it's a scam that requires you to pay money to have the software removed by the software originator. Don't fall for it. Don't pay them to remove it if you've done it, ask your trusted computer tech.
        13. Should you be careful with email attachments?
        1. Not all email attachments are harmful, but unless you're expecting an attachment from someone you know, don't download or open it until you're sure it's OK to do so. If it's from someone you don't know, delete the email or identify it as spam. Do not download or open the attachment.
        14. What should you share on social media?
        1. Beware of what kind of information you share on social media sites. Keep private information private.
         

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