UMCU is committed to providing a secure online banking environment for members. As Internet threats continue to increase, UMCU is committed to protecting your financial information. Avoid becoming a victim of a fraud or scam by familiarizing yourself with some of the most recent and common schemes. The best way to protect yourself is to be alert and to ask yourself, "Does this make sense?" If something sounds too good to be true, it probably is.
What UMCU is doing to protect you:
- Our MemberNet Online Banking site uses SSL (Secure Sockets Layer) encryption, so that your account information and transactions are masked.
- MemberNet uses a time-out feature, so that if you leave your computer idle for a short time, you will have to log back in again to continue accessing your account.
- The MemberNet login process involves a multi-factor approach. In addition to providing a user name, password, and a security question, we also include a security picture and phrase.
What you can do to protect yourself:
- Choose a user name and password that combines upper and lower case letters, numbers, and characters.
- Change your password periodically.
- Make sure your computer has appropriate firewalls in place when completing transactions.
- Safeguard your login information.
Security Tip
Never reply to an e-mail or text message asking you for account information of any kind,
including credit and debit card information. If you are unsure of the legitimacy of
the contact, please call UMCU at
734-662-8200 and talk with a Member Service Representative for verification.
Common Scams
What to do if you fall victim:
- Contact UMCU immediately at 734-662-8200 or 800-968-8628.
- If you have disclosed sensitive information, also contact one of the three major credit bureaus and discuss whether
you need to place a fraud alert on your file. This will prevent
imposters
from opening an account in your name. Listed are the contact numbers
for each bureau's fraud division:
Equifax, 800-525-6285
Experian, 888-397-3742
TransUnion, 800-680-7289 - Report all suspicious contacts to the Federal Trade Commission through the Internet at www.ftccomplaintassistant.gov.
To protect your credit card account, UMCU partners with a fraud
identification organization that monitors suspicious spending behavior
used to detect unusual activity.
To learn more about this service,
click here.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. Mortgage loan services provided by MemberFirst Mortgage LLC (NMLS #149532)
and UMCU (NMLS #712343)