Security center

Your Security Is Our Priority. Enjoy the comfort of peace of mind with around the clock fraud monitoring with your USB Debit and ATM Card.

Q: What are Union Savings Bank Debit and ATM Card Fraud Alerts?
Union Savings Bank Debit and ATM Card Fraud Alert is a 24/7 monitoring service provided free of charge to all Union Savings Bank Debit and ATM card holders.

Q: How do these alerts work?
Union Savings Bank uses sophisticated risk rating tools to understand your shopping behavior and adds historical data from recent security incidents to assign a risk level to each of your purchases. If a recent purchase is categorized as high risk for potential fraud, we will block the purchase and send an alert. Your card will have a temporary hold until you respond to us. If the purchase is categorized as a medium risk for fraud, we will not block the purchase but still send an alert for you to respond. It is very important that you respond to confirm your transaction.

Q: How will I receive the alerts and respond?
If we have your mobile phone, a text alert will be triggered first. You are asked to respond “yes” if the transaction is good, or “no” if the transaction was not authorized. If we do not receive a response to the text alert, an email is then sent with the list of transactions for you to review and verify. If we do not receive a response to the email, then the system sends an automated voice call asking you to confirm if the transaction is valid. If you select “No,” the call is transferred to an agent to confirm the fraudulent transaction(s).

Q: What happens if I do not respond to any of the alerts?
If there is no response to the fraud alerts, and the suspected activity was identified as high risk, your card will stay blocked until we hear from you.

Q: Do I have to respond if my card was not blocked?
It’s important to respond to all fraud alerts even if the activity is non-fraudulent. Your responses build your profile and help us to better detect future suspicious activity and block actual fraud attempts.

Q: What if my “yes” or “no” text response has a typo?
Our system will accept many common typo variations of the “yes” or “no” text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.

Q: If a transaction is declined due to suspected fraud, but I respond “yes” to verify that I did make the purchase, can I try to complete the purchase again?
Once the alert is updated in our system, you will be able to complete the transaction usually within 2 minutes of the initial call/text/email to validate activity.

Q: If I respond back that the transaction(s) are valid, will you automatically unblock my account?
Yes, though please keep in mind that it could take 5 minutes for a block to be removed in some situations.

Q: How can I stop text messages if I don’t want to receive them any longer?
All you need to do is respond back to the SMS text alert with the word STOP. If you opt-out of text messages, alerts will be sent via email.

Q: Can the alerts be sent to customers travelling internationally?
You will continue to receive Union Savings Bank fraud alerts if you have U.S. number that is actively working while overseas. We are unable to send text or phone calls to international numbers, but please make sure that your email address is current as we can always email you 24 hours a day, 7 days a week.

Q: As a business owner, I have employee debit cards. Who receives fraud alerts for employee cards?
The cardholder information we have on file will receive the alerts.

Q: What should I do when Union Savings did not decline a fraudulent purchase?
You should call us at 866.872.1866 immediately whenever you recognize an unauthorized purchase on your account.

Q: What if I did not receive any of the alerts but my purchase was still declined?
Call us at 866.872.1866 so that we can review your account standing to understand the cause of a decline. The purchase may have been declined due to suspected fraud but we may have been unable to reach you due to wrong contact information. Or, the decline of a purchase may be caused by low account balance. In either case, call us to verify.

Q: How do I enroll?
All Union Savings Bank Debit Card holders are automatically enrolled in fraud alerts.

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.

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

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.

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.

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.

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.

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.

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.