Internet security is of particular concern when
using the Internet for financial transactions. A site (both financial and
non-financial) is considered secure if all sensitive information that is
transmitted between the user’s browser and the owner of the site is encrypted
(scrambled so that someone looking can not read it). At FCU, we use encryption
for Internet activity that involves the exchange of sensitive information.
Therefore, Online Banking, Online Loan Applications, and the message system that
is contained within Online Banking are encrypted. Other areas of the FCU Web
site are not.
E-mail
Information sent via email may be used by FCU
to answer questions, address member suggestions, or update member information.
Generally, email, other than the mail system that is contained within Online
banking, is not secure against interception. You should refrain from sending
emails to the credit union or anyone else that contain account numbers, Social
Security numbers, PINs, etc.
FCU Web Site
Since most areas of the FCU Web site do not
involve the exchange of information between FCU and our members, it is not
necessary to use encryption to transfer this information. We do, however encrypt
any areas that involve the transfer of information such as Online Banking and
the Online Loan Application.
Online Banking Security
For the member's protection, Online Banking
employs two forms of security: Dual Password Protection and Data Encryption.
Dual Password Protection requires the
user to enter a second password, in addition to the four digit PIN to ensure
account information is not accessed by unauthorized users.
Data Encryption is a process that
transposes the information sent from our server to your browser into a code that
cannot be understood or altered without using a "key." The
"key" deciphers the information from our server to be able to display
on your browser.
Currently, there are two levels of RSA data
encryption that our server will provide, 40-bit and 128-bit. 40-bit data
encryption is the standard method that is used all over the world for electronic
commerce. Only 40-bit data encryption is currently available for users outside
of the United States. If you live within the United States, you should be able
to download the 128-bit (Domestic) version of Netscape Communicator or Internet
Explorer, or purchase Netscape or Internet Explorer from a retail computer
store. If you live outside of the United States, you can download the 40-bit
(Exportable) version of Netscape Communicator or Microsoft Internet Explorer. If
you already have the "standard" version of Netscape Communicator or
Microsoft Internet Explorer, you are protected by the 40-bit security by
default.
Cookies
FCU currently uses cookies to indicate that you
have agreed to our Online Banking Disclosure and to store temporary information
during an Online Banking session. We do not link the information we receive with
your name, account number, or any other personal information. With the exception
of the cookies indicating that you have read our Online Banking Disclosure,
other cookies are erased each time you leave Online Banking.
Hyperlinks
This website may contain hyperlinks to other sites
created and maintained by
other organizations. Freedom Credit Union does not
regularly review materials posted on these linked sites. Freedom Credit Union
does not endorse the owners of such linked sites, or the products or materials
appearing on such linked sites. Any decision of website visitors to view any of
the linked websites is at their own risk.
