Security center

Union Savings Bank’s Online Protection

There are many ways people may try to defraud you or get your personal information to try to use your identity illegally. Many of these scams are online based. Union Savings Bank does not ask for your account or confidential information unsolicited by phone, email or text. If you receive an email that you suspect is fraudulent, regardless of the alleged sender, DO NOT RESPOND to the email. Contact us immediately. Suspicious e-mail can also be forwarded to spam@uce.gov and complaints should be filed with the State Attorney General’s Office or through the FTC at www.ftc.gov.

What is phishing & spoofing?

Phishing is a term coined by hackers to describe forged e-mails they send that imitate a legitimate company’s e-mails in order to entice people to share passwords, credit card numbers or other personal information. Hackers will use this data to access personal accounts, financial information and identities that they will then use for fraudulent purposes.

Spoofing is a term that describes Phishing that asks you to supply, confirm, or update personal information by clicking on a link in the e-mail. The link will connect to a web page or log-in that appears to belong to the company mentioned in the e-mail. Often the site looks like the company’s website, but it isn’t. If a customer enters personal data, the hackers who set up the site will steal that information.

What are some ways to avoid phishing & spoofing?

Before submitting financial information through a website, look for the “lock” icon on the browser’s status bar. It means your information is secure during transmission.
If you receive an unexpected e-mail saying your account will be shut down unless you confirm your billing or other personal information, do not reply or click any links in the e-mail message. At anytime if you are uncertain about a request from an institution, contact the company through an address or telephone number you know to be genuine.
If you unknowingly supplied personal or financial information in response to a request you now fear is a scam, contact your bank and credit card company immediately.
Passwords and access codes should be kept secret, and changed periodically. Financial institutions will never ask for your username and password.
When banking over the Internet, be sure to exit the browser after completing the Internet session, and take precautions to keep your computer free of viruses and spyware that could be used to capture password keystrokes.

Did you know…All USB Mobile App banking services use the same security standards as USB Online Banking?

Mobile Banking Security Tips

Union Savings Bank is committed to making our customers feel confident using our services anywhere, anytime. That’s why we have put together the following security tips for our customers to keep in mind, when banking with a mobile device such as a cellular phone, smart phone, tablet, BlackBerry®, iPhone® or other powered device:

Always store your mobile device in a secure location, and utilize the keypad lock or phone lock function when the device is not in use.
Make sure to frequently delete text messages that contain financial information, especially before lending out, discarding, or selling your mobile device.
Never disclose via text message any personal/sensitive information such as account numbers, passwords, social security number or birth date that could result in ID theft.

Mobile banking applications (apps) are programs that you can download to your mobile device, which let you monitor your finances and conduct certain transactions.

To ensure the safety of your personal and account information, download mobile apps from reputable sources only.
For your security, sign off of mobile banking when you finish using the USB Mobile app.

If you believe that someone has withdrawn or transferred money from your deposit account online or on USB Mobile without your permission, or that your online User ID or password has been stolen, please contact Union Savings Bank immediately at:

Online Support: 866.719.6654

If you change your mobile phone number, remember to remove the old number from your mobile banking profile by going online to your Online Banking account at www.unionsavings.com or calling customer service at 866.719.6654.

Life moves fast, and more and more customers are doing their shopping online, to save time.

Whether you are buying that new pair of shoes that you haven’t time to get to the mall to pick up, or buying a big ticket item, here are some tips that will help make your online shopping experience more safe and secure.

Start by shopping only with web sites that have been verified to be secure. Most sites display a certificate either on their home page or at checkout…often shown with a padlock symbol. When in doubt…look for the lock.

Make sure that you type in the store’s web address into your browser. Don’t just click on a link from an email, as it could potentially lead you to a phony site.

Shopping web sites have no reason to ask for Social Security numbers, so never provide them if asked.

Be wary of emails that may ask you to take various actions such as verifying your credit card information, updating your password, etc. Legitimate businesses will not ask you to verify any personal information via an email. If you receive this type of email, delete it and notify the business directly.

Never send payment information via email.

Remember to review your bank and credit card statements and accounts to make sure that each transaction listed is legitimate. Don’t wait for your monthly statement, go online and view your accounts regularly.

Union Savings Bank utilizes and maintains a number of systems that access and control customer data within the Bank. These systems use state-of-the-art security to ensure a protected environment that safeguards the confidentiality of transactions and customer data. A Secure Sockets Layer (SSL) protocol is used to provide privacy for data that transfers across the Internet.

SSL is an open protocol for securing data communication across computer networks that provides a secure channel for data transmission through its encryption capabilities. It allows for the transfer of digitally signed certificates for authentication procedures, and provides message integrity, ensuring that the data can’t be altered en route.

In addition, strict internal procedures are in place within Union Savings Bank, controlling every aspect of Bank administration including training employees and confirming customer transactions. We work with a number of third-party data partners who also employ strict security standards to ensure data integrity and to safeguard all Union Savings Bank data. Union Savings Bank and our partners regularly test the integrity of security systems and upgrade these security systems as advances occur.

Employees of Union Savings Bank and our data partners are subject to background checks, and adhere to a strict standard for safeguarding customer data that incorporates passwords, restricted access, secure email, shredding of sensitive data, logging of all user activity and ongoing access reviews.

Union Savings Bank is always looking for ways to keep our customers informed and protected.

Here are some ATM security tips that we find to be helpful.

Use ATMs in a well-lighted, open, high-traffic area.

Always check the machine before putting your card in – is the card slot securely in the machine? Does anything look out of the ordinary? Has anything been installed around the edges of the machine that looks strange? Is there any glue or sticky substance around the key pad or card slot?

Always attempt to cover your hand when you enter your PIN so that the numbers cannot be captured by onlookers.

If there is more than one ATM, and a sign has been placed on one of the units saying it is out of service, use caution and potentially look for another ATM location, as the sign could be an attempt to direct traffic to a fraudulent machine where skimming equipment has been installed.

Beware of offers for help from strangers during an ATM transaction.

Always review your account activity and report any unauthorized credit or debit charges by calling customer service at 866.872.1866.

There are many ways people may try to defraud you or get your personal information to try to use your identity illegally. Many of these scams are online based. Union Savings Bank does not ask for your account or confidential information unsolicited by phone, email or text. If you receive an email that you suspect is fraudulent, regardless of the alleged sender, DO NOT RESPOND to the email. Contact us immediately. Suspicious e-mail can also be forwarded to spam@uce.gov and complaints should be filed with the State Attorney General’s Office or through the FTC at www.ftc.gov.

What is phishing & spoofing?

Phishing is a term coined by hackers to describe forged e-mails they send that imitate a legitimate company’s e-mails in order to entice people to share passwords, credit card numbers or other personal information. Hackers will use this data to access personal accounts, financial information and identities that they will then use for fraudulent purposes.

Spoofing is a term that describes Phishing that asks you to supply, confirm, or update personal information by clicking on a link in the e-mail. The link will connect to a web page or log-in that appears to belong to the company mentioned in the e-mail. Often the site looks like the company’s website, but it isn’t. If a customer enters personal data, the hackers who set up the site will steal that information.

What are some ways to avoid phishing & spoofing?

Before submitting financial information through a website, look for the “lock” icon on the browser’s status bar. It means your information is secure during transmission.
If you receive an unexpected e-mail saying your account will be shut down unless you confirm your billing or other personal information, do not reply or click any links in the e-mail message. At anytime if you are uncertain about a request from an institution, contact the company through an address or telephone number you know to be genuine.

If you unknowingly supplied personal or financial information in response to a request you now fear is a scam, contact your bank and credit card company immediately.

Passwords and access codes should be kept secret, and changed periodically. Financial institutions will never ask for your username and password.

When banking over the Internet, be sure to exit the browser after completing the Internet session, and take precautions to keep your computer free of viruses and spyware that could be used to capture password keystrokes.

Protecting Yourself Against Identity Theft

The following questions and answers regarding identity theft will help you recognize opportunities for identity theft and protect yourself and others.

Q: What is identity theft?
A: Identity theft is a federal crime in which someone wrongfully obtains and uses another person’s personal information in a fraudulent or deceptive manner.

Q: What can I do to help prevent identity theft?
A: You can prevent identity theft by safeguarding your personal information. Here are steps you should take to prevent identity theft:

Shred bank statements
Cut up unwanted pre-approved credit cards before throwing them away
Don’t give out your Social Security number unless it is absolutely necessary
Protect all passwords
Passwords aren’t just for financial statements. Whenever possible, put passwords on all your accounts, including telephone and utilities. When selecting a password, avoid easily available information such as your mother’s maiden name, your children’s names or your birth date.
Get a copy of your credit report
Equifax – (800) 525-6285 or equifax.com
Experian – (888) 397-3741 or experian.com
Trans Union – (800) 680-7289 or transunion.com
Carefully review every cell phone bill, credit card statement and bank statement
Keep virus protection and a firewall on personal and workplace computers
Don’t walk away from your computer with personal information on the screen

Q: What do I do if I suspect identity theft?
A: If you suspect there might be a problem or exposure, contact the police immediately. Also contact your bank and credit card companies, and the following major credit agencies:

Equifax – (800) 525-6285 or equifax.com
Experian – (888) 397-3742 or experian.com
Trans Union – (800) 680-7289 or transunion.com

You should also learn more about identity theft from the Consumer Financial Protection Bureau:

Consumer Financial Protection Bureau

1700 G Street, Northwest

Washington, DC 20552

Safeguarding Your Private Information

There are a number of smart, simple steps you can take to safeguard the security of your personal information. Here are tips that help you address or prevent the most common security pitfalls.

Credit Cards

Photocopy all account information

Keep credit card receipts

Contact issuer if new cards don’t arrive on time

Review bills each month for misuse

Shred pre-approved credit offers before throwing them away

Passwords/PINs

Don’t use last four (4) digits of your Social Security Number

Don’t use maiden names, birth date, middle name, pet’s or children’s name

Don’t use consecutive numbers

Add a second password to bank accounts if possible

Social Security Number

Never give to anyone unless absolutely necessary

Check Social Security benefits statement annually for fraud

Social Security Benefits Administration: (800) 772.1213

Internet/Computer

Install a firewall

Update virus protection software regularly

Password protect key files

Use a ‘wipe’ utility program to remove data before disposing any hard drive or PC

Please Note: Union Savings Bank does not ask for your account or confidential information unsolicited by phone, email or text.