Security Tips for Online Banking
Protect yourself when you make your financial transactions with us online.
Before you even enter Online Banking on our website, it is important to familiarize yourself with some helpful tips to help you secure your home computer in order to protect you and your financial information online:
- Keep your anti-virus software up to date on your computers and mobile devices. A virus is a computer program that replicates itself and can harm other programs and files on your computer. Anti-virus programs are designed to protect your computer against known viruses. You can opt-in with most programs to have the software automatically upload updates. There are several free anti-virus programs available for Android, MAC and Windows systems.
- Next turn on your firewall. A firewall is a barrier that protects your computer from unauthorized access when you are connected to the Internet. If you do not have a firewall installed on your computer, you should install one soon for your own protection. This can be done with both MACs and PCs.
- Use a wired connection or a password protected wireless connection. Do not make transactions online over an open, public wireless connection as this leaves you vulnerable to others being able to obtain your private information.
- Protect yourself from spam. Spam is unwanted and unsolicited e-mail. You didn’t ask for it, but it shows up anyway. Some Internet service providers have filters built into their e-mail programs to catch the spam before it reaches your e-mail inbox.
- Be on the lookout for spyware. Spyware is a program installed on your computer, without your knowledge, that is used to track you as you navigate the Internet. The spyware tracks your website visits and sends you advertisements it thinks may appeal to you. Some spyware may even capture user ID and password information you provide when accessing accounts or placing online orders.
Once you have taken care of protecting your computer or mobile device, go ahead and log on to Online Banking.
We provide several layers of security when you use Online Banking. To begin, we ask for a logon ID in the Online Banking box on the front page of www.NJFCU.org. This is a unique ID that you have created. Your password is then entered on a second page. After you enter your password and click sign on, you will see all your account information.
Additional security measures we have in place include:
- After 10 minutes of inactivity you will be automatically logged out of Online Banking.
- If there have been 3 unsuccessful attempts to enter your password, you will be locked out.
- 128-bit encryption makes your information unreadable as it transmits over the Internet.
- SSL protocol and Extended Validation Certificates are also in place to help protect your information.
Mobile devices can be vulnerable too.
Remember to add antivirus software to your smartphones and tablets.
There are texts that may be sent to you that are “phishing” for your account information. North Jersey Federal CU will NEVER ask for your account information or social security number through texts.
Toll-free numbers can also be texted to you, asking you to call and give your account information. Make sure it is one of our phone numbers before you respond. Again, if it looks suspicious or seems not right, it probably is fraudulent.
Do not allow your browser to autofill your logon ID and password. If someone gains access to your pc or mobile device, they will be able to log on to your account very easily.
If you receive an email that looks like it is from North Jersey Federal CU, check that it is indeed from us. The domain name should be njfcu.org. We will NEVER ask you for your account numbers, member number or social security number through email. Never provide that information in an email to us, either.