BECOME A MEMBER APPLY FOR A LOAN FIND A BRANCH CHECK RATES SEARCH LOG IN MENU Privacy Policy PRIVACY POLICY PRIVACY POLICY ONLINE PRIVACY AND SECURITY STATEMENT Unity One Credit Union is a better choice among financial institutions. We take the privacy of our members and other visitors to this Web Site very seriously. Therefore, we have adopted the following statements regarding privacy. E-MAIL We will occasionally ask for your e-mail address. Giving us your e-mail address is completely voluntary; however, when sending feedback and survey information, we will need it to respond to your comments. We may occasionally send you an e-mail informing you of an upcoming promotion or special you may be interested in. We will not send out random, junk e-mail (or SPAM), and we will never sell, give, or disclosed your e-mail address to any outside party. MEMBER NUMBER, USER PASSWORD For access to Express Online Banking, you will need to set up a password connected to your member number if haven't already done so. Your User Password is encrypted when sent and is not shared or reviewed. EXPRESS ONLINE BANKING AND OTHER APPLICATIONS All sensitive transactions use Secure Socket Layer (SSL) encrypted network transmissions. We utilize 128-bit VeriSign digital encryption. Physical access to critical systems and network components is limited to specifically authorized personnel. WEB SITE TRAFFIC REPORTING Unity One Credit Union collects information on domain names and dates and times of Web Site visits. This information allows us to track Web Site use, measure site traffic, and improve site navigation and information. This information is never sold, given, or disclosed to third parties. LINKS TO OTHER SITES Our Web Site may contain links to other Web Sites. Unity One Credit Union is not responsible for the privacy practices or the content of the linked Web Sites and encourages visitors to read the privacy statement of all linked Web Sites to become acquainted with their specific privacy practices. COOKIES To enhance the personalization and performance of a customer's experience, Unity One Credit Union may utilize cookies (very small files that a Web Site sends to the customer's browser for record-keeping purposes). Cookies function as identification cards, recording passwords and preferences. Cookies cannot be executed as code or deliver viruses. Browsers can be set to deliver a message when a cookie has been sent, allowing the customer to decide whether to accept or reject it. In order to tailor Web Site content to our customer's interests, all cookies must be accepted. All of our cookies are temporary, which means that they are active only as long as the customer's browser is running and are deleted when the session has ended. Feedback or Questions Regarding Online Privacy? For questions and comments regarding this privacy statement, please contact: Internet and Technology Dept., Unity One Credit Union, 6701 Burlington Blvd., Ft. Worth, TX 76131 or use our email form. CHILDREN'S PRIVACY POLICY The privacy of young readers and other visitors to the our web site is of greatest importance. Because we respect your privacy, Unity One CU has adopted the following privacy policy, which conforms to the Children's Online Privacy Protection Act of 1998: Unity One CU may collect information on domain names, dates, and times of visits to the our web site. The information collected, will not included any personal identifiers. If the information is collected, it will only be used to record web site visits to help assess the overall value of its online brochures. With the exception of the usage described above, visitor information is NEVER sold, given, or disclosed to third parties. Unity One CU may use feedback information received by e-mail from visitors to respond to inquires, comments, or suggestions. E-mail information is never sold, given, or disclosed to third parties. Parental consent is non-applicable to our web site because no personal information is collected. Please send your questions and comments about our web site privacy policy to the webmaster via our e-mail form, phone (817) 306-3106, or mail to 6701 Burlington Blvd., Ft. Worth, TX 76131. ONLINE SECURITY CENTER You are your own best protection against online fraud and identity theft. By staying informed, you can help protect your identity and your accounts against fraud or theft. We encourage you to read the useful articles below to make yourself a better-informed consumer. BBB advises consumers to do the following if they suspect they have fallen victim to a phishing scam. Never reply to the email.If the message includes a link within it, never click it. Many schemers use this as way to spread a viral attack on your computer. Do not give personal or financial information to anyone who contacts you via email.Even if they claim they are from your financial institution, the IRS or a law enforcement agency, these businesses will not contact you via email; they will send you a letter. Spread the word.Discuss phishing scams with all the members of your family who have email addresses. Transmitted information should be encrypted.When sending personal information like addresses, credit card numbers and Social Security numbers over the Internet, make sure the website is fully encrypted and the network is secure. Know the red flags.Watch out for grammatical mistakes in emails. Poor grammar or misspelled words are red flags that the email is probably a scam. • Protect your computer. Keep your anti-virus software up-to-date and run it regularly. Contact the Federal Trade Commission (FTC).The FTC works to legally prevent fraudulent business practices in the marketplace. File a complaint with the FTC by calling (877) FTC-HELP. PHISHING & VISHING Phishing and vishing are two forms of social engineering attacks aimed at both individual and business targets. Phishing is an e-mail fraud method in which the perpetrator sends out legitimate-looking email and drives the recipient to an “official-looking” web site in an attempt to gather personal and financial information from recipients. Vishing is the counterpart of phishing. Instead of being directed to a web site, the victim is asked to make a telephone call. While there has been a tremendous amount of effort to inform and educate the public about phishing and vishing scams, many consumers continue to be duped. The Federal Trade Commission suggests these tips to help consumers avoid getting hooked by a phishing and vishing scams: If you get an email or pop-up message that asks for personal or financial information, do not reply. And don’t click on the link in the message, either. Legitimate companies don’t ask for this information via email. Area codes can mislead. Some scammers send an email or text message that appears to be from a legitimate business and ask you to call a phone number to update your account or access a “refund.” Because they use Voice-Over Internet Protocol technology, the area code you call does not reflect where the scammers really are. If you need to reach an organization you do business with, call the number on your financial statements or on the back of your credit card. In any case, delete random emails and text messages that ask you to confirm or divulge your financial information. Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly. Some phishing emails contain software that can harm your computer or track your activities on the Internet without your knowledge. Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Review credit card and checking account statements as soon as you receive them to check for unauthorized charges. If your statement is late by more than a couple of days, call your credit card company or bank to confirm your billing address and account balances. Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them. These files can contain viruses or other software that can weaken your computer’s security. If you believe you’ve been scammed, file your compliant with the FTC, at www.ftc.gov, and then visit the FTC’s Identity Theft website at www.consumer.ftc.gov. Contact us with any questions. ARTICLES: Con Artists Switch From Phishing to Vishing Keep Kids Safe Online Online Banking Makes Money Management Simple & Safe If It Looks Too Good to Be True...Recognizing and Preventing Fraud TIPS TO PROTECT YOURSELF FROM BECOMING A VICTIM OF FRAUD OR IDENTITY THEFT IDENTITY THEFT Don't include your Social Security number or driver's license number on sensitive documents. Don't leave incoming mail lying around. Drop your mail in an official postal mailbox. Shred or destroy any junk mail before you throw it away. Don't respond to unsolicited requests for personal or account information. Use a safe deposit box to protect important documents. Review your credit report at least once a year. ONLINE FRAUD Look beyond the company logo. Use your Spam filter. Type, don't click.Type web addresses into your browser instead of clicking on links. If the email is from an institution you do business with, use a bookmark that you've already created to visit the website. Change your online password every 30 to 60 days.Include numbers and letters so others can't guess passwords. Update your anti-virus and anti-spam software.Keep your anti-virus and anti-spam software up-to-date. You can purchase this software at many area retailers. Delete emails from unknown senders. CREDIT CARD FRAUD Sign your cards immediately. Memorize your PIN and don't write it on anything. Don't enter your card online unless you are on a secure site. Keep a record of all your account numbers, expiration dates, and contact information for each issuer. Report a lost or stolen credit card immediately. Save your receipts to compare against your billing statement. When discarding receipts, tear them up or shred them. Monitor your statements monthly. Review your receipts for voided transactions and be sure they do not post to your account. Only carry cards that you need; leave others in a safe place at home. Don't give out your account number unless you know and trust the business. Shield your hand from view of others when entering your PIN at ATMs. VERIFIED BY VISA TELEPHONE SOLICITATIONS Register your home and cell phone numbers with the National Do Not Call Registry or call 888.382.1222 to prohibit telemarketers from calling you. You must call from the number you want to register. Use caution when disclosing personal information. PRINT FRAUD Do your homework.If an offer in an advertisement seems too good to be true, it probably is. Research information about the company through the Better Business Bureau CHECK SCAMS Use Direct Deposit for paychecks, Social Security payments, and other regular deposits. Be aware of fake check scams that promise easy money. Do not leave your checkbook unattended. Report lost or stolen checks immediately to Unity One CU at 800. 628.5517 MAIL FRAUD Shred documents containing personal information before placing them in the trash. Report any unauthorized transaction to Unity One CU immediately at 800.628.5517. USEFUL LINKS: The Anti-Phishing Working Group www.antiphishing.org or reportphishing@antiphishing.com The Federal Trade Commission at spam@uce.gov The internet fraud complaint center of the FBI www.ic3.gov/complaint/default.aspx Texans Fight ID Theft www.texasfightsidtheft.gov Federal Trade Commission Fight ID Theft http://www.ftc.gov/bcp/edu/microsites/idtheft/ Credit Union Department, State of Texas Anit-Phishing www.tcud.state.tx.us Money Magazine, "Are You Fish Food?" Quiz. WHAT UNITY ONE DOES TO KEEP YOUR INFORMATION SECURE. At Unity One Credit Union, we place a high priority on protecting the security and confidentiality of member records and information. We have implemented a comprehensive information security program designed to protect against threats or hazards to the security or integrity of member records and to protect against the unauthorized access or use of such records or information. Our goal is to also help you to protect yourself against fraud and identity theft by making you aware of the latest scams and advising you on how to avoid becoming a victim. Neither the credit union nor any other entity that transacts business can guarantee absolute privacy. Our commitment is to provide reasonable safeguards to member privacy against reasonably foreseeable threats. These safeguards include the following: Building and computer room access restrictions.No entry by non-employees or non-officials is permitted to non-public areas of the credit union where data or files are stored. Privileges on the credit union's information processing and storage system is restricted based on the employee's need to access information in fulfilling their member service duties. Identity authentication.For in-branch transactions, identity is verified by the employee viewing a photo identification or by visual recognition for known members. For telephone transactions, identity is verified by requesting information known to the member but not likely known by others. For Express Home Banking access and Express Telephone Banking, we have added multi-factor authentication to further protect members against stolen PINs by adding another layer of identification requirements. Changes to a member's address will not be accepted by phone. All such requests must be submitted in writing along with the member's signature. Firewalls.Unity One CU's computer networks are protected by firewalls that prevent any unauthorized access to our computers. Every message that enters or leaves the Unity One network passes through a firewall which will block any message that does not meet our strict criteria. This is one of our key safeguards that protect your information. Intrusion Detection Monitoring.Our computer network is monitored 24 hours a day, 365 days a year for potential hacking attacks or other unauthorized intrusion. This state-of-the-art service will immediately respond to any threats by preventing access to our network and notify us in the event of any potential intrusion. Secure transmissions and Encryption.When you use the internet to conduct transactions or communicate with Unity One CU, we use an encryption protocol known as Secure Socket Layer (SSL) to protect your personal information. SSL converts sensitive data into secure code that cannot be decrypted by others and then sends the encrypted code over a secure connection. All transactions conducted over Express On-line Home Banking (including Bill Pay transactions) are encrypted and conducted over a secure connection. Virus protection.Unity One CU uses the latest virus software programs on our systems to help keep our computer networks virus-free. Through these anti-virus programs you can communicate with us in a safe and secure manner. Automatic sign-off.For your security, when using Express Home Banking, if there is no activity on your computer for 10 minutes we automatically end your on-line banking session. This reduces the chances of unauthorized access to your accounts. Secure Log-In.When trying to access Express Home Banking or certain transactions on Express Telephone Banking, you will be required to go through several layers of identity authentication. In addition to a Personal Identification Number (PIN) that you establish, you will be asked to establish a security image (for Home Banking) that lets you know that you are at Unity One CU's home banking site and you may be asked to answer a number of challenge questions. You also have the option of entering your PIN on-line using an electronic keyboard which prevents an outsider from using spyware to track your keyboard entries. All of these additional steps are designed to provide the highest level of protection against on-line identity theft. Online E-Statements.E-Statements add another level of security for your personal information. You have the option of receiving your statements electronically via Express Online Home Banking rather than receiving a paper statement in the mail. The E-Statements are protected by the same multi-factor authentication steps, secure connections and encrypted data mentioned above. Paper statements can easily be stolen at any point during the mailing process - including from your own mailbox! E-Statements are safe, secure and faster in delivery. Email Policy.Unity One CU's commitment: We will NEVER send unsolicited emails asking members to provide, update or verify personal information such as passwords, Social Security numbers, PINs, credit or debit card numbers or any other personal, confidential information. Visa Zero Liability.This feature, offered on all of our credit and debit cards protects you from unauthorized transactions. No matter where you shop, you'll never pay for transactions that you didn't perform or authorize. Verified By Visa.This free service protects your Unity One CU Visa credit or debit card from unauthorized usage online. By registering for this service, you will receive a unique password that offers an extra level of security when using your credit or debit card to make purchases online. Click on the button below to learn more about this free service. Credit & Debit Card Protections.Unity One CU provides all of the latest protections on your credit and debit cards including 24 hour, 365 days a year monitoring of transactions utilizing a neural network application. This application monitors "normal" activities based on your spending and usage patterns and calculates a risk score. Any transaction that appears to be abnormal for you based on the amount, location of the transaction or frequency of usage may generate an alert, which we will follow-up on. All cards also require CVV validation (an additional code that appears on the back of your card), expiration date validation, daily dollar limits, card activation and other protections designed to prevent fraud. Lifelock.This service (available for a small monthly fee) provides a high level of identity protection and if your identity is ever stolen, will work closely with you to recover your good name. Click on the button below for more information about this great service. Think Outside the Bank.® Live Outside the Lines. NMLS: 411620 Routing Number: 296076369 LINKS Privacy Policy Disclosures Fee Schedule Complaint Notice Downloadable Forms Pay Your Loan EZ Card Info CONTACT US PHONE (800) 628-5517 EMAIL mservice@unityone.org © Copyright Unity One Credit Union. Federally insured by the NCUA.