How UCCU Protects You

Cryptographic transformation of data (called “plaintext”) into a form (called “ciphertext”) that conceals the data’s original meaning to prevent it from being known or used. If the transformation is reversible, the corresponding reversal process is called “decryption,” which is a transformation that restores encrypted data to its original state.

A secure access code is a randomly generated code that is sent to you by a method which you can obtain (e.g. text message or phone call) and is required for every device that you use to access UCCU’s online and mobile banking platforms.

Secure access codes help prevent your online banking account from being accessed by an unregistered device.

A scanned image of your photo ID can be attached to your account eliminating the need to show photo ID at branches. Ask to add your photo ID to your account profile next time you visit a branch.

Account security alerts are free and designed to notify you when security related activity or changes occur on your account. There are 19 different security alerts that can be enabled inside online banking (many of which are enabled by default.) Members should ensure their security alert delivery preferences (e.g. text, email) are up-to-date.

Every UCCU member has the option to set up a code word for added security. By default, this is enabled if you call UCCU. You can have your code word flagged to be used for every interaction with an employee at a branch.

UCCU was one of the first financial institutions in the nation to adopt EMV™ chip technology on both debit and credit cards, providing the dual technology solution of encryption + tokenization for increased security.

Added security that also eliminates the need to type in your username and password when logging in to mobile banking on your smartphone.

Your UCCU accounts are safeguarded with intrusion detection, software that monitors your accounts for suspicious activity to prevent an attack or stop one before serious damage can be done.

UCCU’s Visa Card Zero Fraud Liability guarantee protects your Visa debit and credit cards.

UCCU works with Visa Falcon Fraud protection services to continuously monitor your UCCU debit and credit cards. This service helps identify and prevent fraudulent transactions. If any transactions occur on your card that are unusual or outside of your normal spending patterns, this may prompt Falcon to contact you to confirm the transaction(s).

If you have a UCCU card, you are automatically enrolled. Falcon will contact you at the phone number we have associated with your account. Contact us to add a phone number or update your contact information. This ensures that we have the most up to date information on your account.

Once you are notified by Falcon Fraud and indicate to them that the transaction in question is unauthorized, they will immediately block the card. Then, Contact us during business hours so we can help you with next steps, including the dispute process and options for issuing you a new card.

Please note that Falcon will verify your identity, but they will never ask you for your full card number, expiration date, or the security code on the back of your card.

Palm scanners detect vein patterns using near-infrared light to identify you. Members can enable palm scanner security at any branch.