Account Security

Protecting Your Account

At Red Canoe Credit Union, the security of member information is a top priority. We are strongly committed to the safety and confidentiality of your personal information. One of the best ways to avoid fraud is to become an educated consumer and we would like to help you in this endeavor.

What to Expect From Red Canoe Credit Union

  • Red Canoe will NEVER call, email or otherwise contact you and ask for your Online Banking user name, password, or other Online Banking credentials.
  • Red Canoe will NEVER contact you and ask for your full credit or debit card number or PIN; if you contact us, we may ask you to confirm the last 4 digits of a card number depending on your needs or concerns.
  • Red Canoe will NEVER ask via email or text for your personal information, such as your Social Security number, card numbers, PINs or passwords. Red Canoe does not conduct financial transactions via email. If you receive such a request via email or text, please do not respond or click on any links within it.

Tips for Protecting Your Accounts Online

1. Set good passwords. A good password is a combination of upper and lower case letters, numbers and special characters. Set your password to something that is not easily guessed and change your password frequently. You should not choose an Online Banking password that is the same as your email or social media passwords. Never write your password down or share it with others.

2. Don’t reveal personal information via email or text. Emails and text messages can be masked to look like they are coming from a trusted sender when they are actually from someone else. Play it safe, do not send your personal information such as account numbers, social security numbers, passwords etc. via email or texting.

3. Don’t download that unknown file! Opening unknown files attached to emails can be dangerous especially when they are from someone you do not know as they can allow harmful malware or viruses to be downloaded onto your computer. Make sure you have a good antivirus program on your computer that is up-to-date.

4. Links are not always what they seem. Never log in from a link that is embedded in an email message. Criminals can use fake email addresses and make fake web pages that mimic the page you would expect. To avoid falling into their trap, type in the URL address directly and then log in.

5. Web sites are not always what they seem. Be aware that if you navigate to a Web site from a link you don’t type, you may end up at a site that looks like the correct one, when in fact it’s not. Take time to verify that the Web page you are visiting matches exactly with the URL that you would expect.

6. Logoff from sites when you are done. When you are ready to leave a site you have logged in to, logoff rather than just closing the page.

7. Monitor account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions right away. Always contact the credit union by phone at 800-562-5611 (option 7) if you feel your personal information has been compromised.

Online Security

To protect the information you provide us online, we use multiple levels of security. The application information we accept online and our Online Banking service relies on industry standard “Secure Sockets Layer” (SSL) encryption to secure your transaction information and communication. When you visit our Web site, you can access site information, without revealing your personal identity. However, in order to help us identify you for future site visits, we use “cookies” to track your visit. A “cookie” is a piece of information that our web server stores on your computer hard drive and retrieves later. The cookie will not request, require or collect personal identity information and you remain anonymous. Your member information is not accessed by or stored within a cookie in any way.

Email Security

The Credit Union does not consider email to be a secure form of communication for sensitive information. Please do not email personal or account information to the credit union. If you need specific account assistance please call the Credit Union at 800-562-5611 so we can assist you and protect your personal and account information.

Rights and Responsibilities

With respect to online banking and electronic fund transfers, the Federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described in the Account Information Disclosures you received when you opened your account with Red Canoe Credit Union. Ultimately, if you notice suspicious account activity or experience security-related events, please contact the credit union immediately at 800-562-5611 (option 7).