Member Education

At Dirigo, your security is of the utmost importance to us.

Recommendations

Member Security

Dirigo Federal Credit Union will never call, email or otherwise contact you to request your access ID, password, or other login credentials for the online services we offer. If you receive such a request, do not provide any information. Contact us at 800-281-5435 to report the incident. If you see suspicious activity on your account(s) or have received a suspicious call, email, letter or other similar contact regarding your relationship to Dirigo Federal Credit Union, call 800-281-5435 or (207)784-5435.

Password Security

  • Do not share your User IDs or Passwords with another person or provide them to others. Safeguard your User ID and Password information and never leave the information in an unsecured location.
  • Create a unique User ID and Password for each site. Do not use the same identifying information on multiple websites.
  • Create strong User IDs and Passwords. In other words, use upper case letter(s), lower case letter(s), number(s), and special character(s) (!@#$%^&*)
  • Many websites force password changes (i.e. every 60 days). If a website does not do so, take the initiative and change your password on a regular basis.

Home Banking Security

  • Monitor account activity. View account activity online on a regular basis and review periodic account statements (monthly and/or quarterly) and reconcile them to your personal records. Signing-up for Dirigo FCU eAlerts will help you monitor your account activity.
  • Log Off from a website; do not just close the page.

Home Banking Security (continued)

  • Secure websites have a web address that includes an “s” (https rather than http). If this is lacking, the site cannot be verified as secure. Do not log in or conduct business on the site.
  • If a website displays a security monitor, verify it has the current date. If it does not, do not use the site; it may be a spoofed or hijacked.
  • When completing financial transactions, verify encryption and other security methods are in place, to protect your account and personal information.

Mobile Banking Security

  • Do not save your password for Mobile Banking Applications or Web Sites on your mobile device.
  • Always download applications from your device’s official app store. Google Android, Apple App Store, Windows Phone, and Blackberry App World
  • Review the permissions required for downloadable applications, and do not accept permissions or download apps that ask for access not necessary for their function.
  • If your device supports storage encryption, turn it on.
  • Disable Bluetooth when not in use and, when in use, set it to “hidden mode”.
  • Require Authentication on your device, and follow the Password Security Tips above.

If your device is lost or stolen, contact your member service representative immediately at Dirigo Federal Credit Union (800-281-5465) to disable access from that device and secure your accounts.

Elder Abuse

Maine’s credit unions are proud members of the Maine Council For Elder Abuse Prevention. We support efforts to prevent elder financial exploitation and other elder abuse in Maine. You can help! Download a brochure that identifies the warning signs and contact information if you suspect someone is a victim of elder abuse.

Senior financial exploitation and fraud is the illegal or improper use of a senior’s resources for another’s profit or advantage. Exploitation usually involves someone the senior knows, such as a family member or caregiver. Fraud is usually perpetrated by a stranger, such as a telemarketer or investment promoter.

The key to protecting yourself is information and protective action. Use this guide to help spot red flags of potential exploitation and fraud early on so that you can protect yourself. If you’ve been victimized, remember it is never too late to seek help!

Experts in elder fraud prevention believe that simple preventive steps can significantly increase your financial safety and decrease the chances you will become a target for financial exploitation or fraud.

 

Protect Your Identity

Easy to Implement Tips to Avoid Identity Theft

 

Identity thieves rob more than 500,000 Americans every year. Credit can be damaged, and fixing it can cost you hundreds of dollars and hundreds of hours of your time. These steps will help you reduce your risk of identity theft.

  1. Guard your Social Security number. It is the key to your credit report and banking accounts and is the prime target of criminals.
  2. Monitor your credit report. It contains your SSN, present and prior employers, a listing of all account numbers, including those that have been closed, and your overall credit score. After applying for a loan, credit card, rental or anything else that requires a credit report, request that your SSN on the application be truncated or completely obliterated and your original credit report be shredded before your eyes or returned to you once a decision has been made. A lender or rental manager needs to retain only your name and credit score to justify a decision.
  3. Shred all old bank and credit statements and “junk mail” credit card offers before trashing them. Use a crosscut shredder. Crosscut shredders cost more than regular shredders but are superior.
  4. Remove your name from the marketing lists of the three credit reporting bureaus to reduce the number of preapproved credit offers you receive.
  5. Add your name to the name-deletion lists of the Direct Marketing Association’s Mail Preference Service and Telephone Preference Service used by banks and other marketers.
  6. Do not carry extra credit cards or other important identity documents except when needed
  7. Place the contents of your wallet on a photocopy machine. Copy both sides of your license and credit cards so you have all the account numbers, expiration dates and phone numbers if your wallet or purse is stolen.
  8. Do not mail bill payments and checks from home. They can be stolen from your mailbox and washed clean in chemicals. Take them to the post office.
  9. Do not print your Social Security number on your checks.
  10. Order your Social Security Earnings and Benefits statement once a year to check for fraud.
  11. Examine the charges on your credit card statements before paying them.
  12. Cancel unused credit card accounts.
  13. Never give your credit card number or personal information over the phone unless you have initiated the call and trust that business.

 

Recognizing & Avoiding Scams

Fraudsters are always finding ways to lure members into disclosing their personal and financial information. While the style and type of information is constantly evolving, there are phishing scams that continue to affect credit unions and members. These scammers need your personal and financial information to put money into their pockets – regardless if the money comes from your savings, checking, or loan accounts. Time and again, scammers are successful in identifying and targeting the weakest link to enable this crime. The credit union industry continues to communicate the various types of phishing (email), smishing (text message), vishing (landline), VoIP (internet phones) and mail letter phishing scams, but these tactics are working because members continue to disclose their information. Bringing awareness to our members and educating them on the changing phishing landscape is critical to Dirigo FCU.

The following are techniques that fraudsters are using to capture members’ personal and financial information that you need to be aware of so you can protect yourself:

Scam: Social Networks You should be wary of clicking any links in emails or accessing social networking sites for holiday themes. Holiday scams contain links that may redirect you to an indirect site registered by the fraudster.

Prevention Close your browser if you see a link to download or install an application.

Scam: Call Forwarding – In most cases, a prepaid cell phone  is call forwarding your landline or cell phone number to another telephone.

Prevention – Place a password on your telephone numbers to prevent them from being call forwarded.

Scam: Text Messaging A text message is sent and you respond to the request.

Prevention – Currently Dirigo FCU does not send members text messages.  If you receive a text message from the credit union you should contact the credit union immediately and do  not respond to the text message.

 

Scam: System Intrusions – Fraudsters are focused on phishing members to obtain account numbers, passwords and usernames to get into the home banking system.

Prevention: Dirigo FCU has implemented multi-factor authentication to prevent fraudsters from gaining access to systems. You should monitor your transaction activity daily to help identify any unauthorized activity. Watch for unauthorized ACH or wire transfers, and never share your user names, passwords and any account information.

Scam: Voice Vishing – This scam attempts to trick you into providing personal and financial information over the phone. Most vishing scams begin with an email or text message asking you to call a toll-free number. When you call the number, you  are led through a series of voice prompted menus that ask for key financial information such as a card or member account information.

Prevention: Do not call the telephone number. Rather, you should report this to the credit union and telecommunications carrier immediately. This number needs to be shut down to help prevent others from responding to the attack.

Scam: Spoofing Caller ID You receive a call from either a live person or a recorded message with a spoofed caller ID. The caller ID may list a legitimate looking telephone number. Fraudsters have spoofed caller ID systems or assign any area code to a phone number so it appears to be an 800 number or a local number.

Prevention: You should never provide any personal or financial information to the caller. Always hang up and contact the credit union to report this activity. Dirigo FCU will not request personal or financial information from you via a telephone call.