SC Telco Federal Credit Union will not ask for personal information such as online credentials, account numbers or card numbers through email, voice or text messaging. If you have concerns that you may have compromised your personal information, please contact us immediately.
SC Telco is proud to bring you Online Safety Tips from Digital Defense Incorporated. Click the logo below to access our Online Safety Tips brought to you by Digital Defense Incorporated and SC Telco Federal Credit Union.
Note: By clicking the link above, you acknowledge that you are leaving the SC Telco Federal Credit Union website.
tips for Safe online banking and shopping
Always use the logout link instead of closing the browser at the end of each online banking session or after completing transactions.
Periodically change passwords and security questions and answers. Do not use birthdates or other number or words that may be easy for others to guess. Instead, use combinations of capital and lowercase letters, numbers and symbols. Do not share your password.
Never give out your personal information (such as card numbers or tax identification numbers) unless you initiated the transaction.
Encryption is the process of scrambling private information to prevent unauthorized access. To show that your transmission is encrypted, some browsers display a small incon on your screen that looks like a "lock" or a "key" whenever you conduct secure transactions online.
Look for web addresses with https:// or shttp:// - These sites take extra measures to secure your information. Http:// is not secure.
Avoid sending sensitive information, such as account numbers, through unsecured email; use secure messaging within onilne banking instead. You can send a secure, encrypted message to SC Telco within MONEYLINK Online by clicking "Contact Us" at the top of the "Messages" page, or on the "User Services" page by clicking "Send a Secure Message."
Be very cautious using links in emails, tweets, posts and online advertising. These are often used by cybercriminals to compromise your computer. If it looks suspicious, delete it.
Be skeptical of offers that instruct you to act immediately, sound to good to be true, or asks for personal information.
General security over your personal computer such as virus protection and physical access controls should be used and updated regularly. Turning on automatic updates reduces risk.
"Tips for Safe Banking Over the Internet." Federal Reserve Bank of New York. September 2000. Federal Deposit Insurance Corporation. 02 Dec. 2011 <www.newyorkfed.org/education/add/pub/safeinternet.pdf>
"Tips and Advice: Stop Think Connect." Stop Think Connect. The National Cyber Security Alliance. 27 Oct. 2011 <http://stopthinkconnect.org/tips-and-advice/>
mobile banking security tips
Stay protected with mobile banking! Follow these suggestions for accessing your accounts:
SC Telco Mobile Banking is safe and convenient with state-of-the-art security measures including encryption, firewalls and secure logins. Mobile banking can be used several different ways and each one has a unique set of tips to follow for complete security.
Following these general guidelines will ensure the highest level of safety for all 3 types of mobile banking:
• Avoid making your personal information readily accessible. Don't share your username or password with anyone or save it on your phone.
• Password-protect your phone so others cannot access your information if it is lost or stolen.
• Disable your phone immediately if your phone is lost or stolen and change your MoneyLink Online password from a computer as soon as possible.
• Monitor your accounts on a regular basis.
Mobile banking security when using SMS (Text Banking)
SMS, or text banking, is the quickest and easiest way to look up your balance and recent transactions. To increase your mobile banking security while using SMS, never send personal account information over a text message. Once setup, all you will need to send are short code commands. SC Telco will never ask for account information from you via a text message.
Mobile Banking Security When Using a Mobile Web Browser
With smartphones and tablets becoming more popular, many people are using mobile web browsers to handle their banking. Most mobile web browsers have standard site encryption built in to protect your mobile banking security. For added mobile web banking security follow these tips:
• Log out and close your browser when you are not using the internet on your phone or tablet.
• Set up daily alerts to track account activity. This is a great way to detect fraudulent activity on your account.
• Use secure, encrypted websites for all financial transactions on your mobile device.
• Never give your password or account number on a site you are unsure about.
• Do not use public Wi-Fi when logging into mobile or online banking, if possible.
Mobile Banking Security When Using a Mobile Banking App
Mobile banking apps are the ideal way to access your accounts from a mobile phone. These applications link directly to SC Telco’s systems, making them faster and the interface is easier to use. Use these two tips to ensure the highest level of security for your app:
• Log out of the mobile banking application as soon as you are finished.
• Check your application store regularly for application updates.