Protecting Your Information

Protecting Your Information


At Heritage Valley FCU, we believe in keeping our members educated to the ongoing security issues and scams that could potentially harm our members. Below you will find links with detailed information about security issues that credit unions are currently facing. Use these links to learn how to better protect you from scams. If you'd like to be notified of alerts, please sign up for our 'eNews' alerts

If you're ever concerned about something happening on your account or something you received in the mail or a phone call, don't hesitate to Contact Us, we're here to help.

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Spyware

What is Spyware?

A software program designed to track the activity of a user while on the internet and reports that activity to someone else without your knowledge. This is commonly used as a marketing tool so a site can monitor where a user is going inside their site which gives the sites webmaster a better idea on how and where to place advertisement.

How does Spyware get on my PC?

Spyware is most commonly hidden and installed with free software such as:
  • Peer-to-Peer software (file sharing software)

  • Screen savers

  • Weather Updaters

  • Browser Tool Bars

How do I know if I have Spyware and how do I remove it?

There are several software programs available for detecting and removing Spyware. Following these steps will reduce the risk of Spyware being installed on your home PC:
  • Always be cautious of installing free software from the internet.

  • Always be cautious of installing software from email.

  • Always know what you are installing and who it came from before you click 'install'.

  • If you do not own an anti-Spyware program, get one. If you do own an anti-Spyware program, run scans on your PC frequently.

  • Check for updates for your anti-Spyware as well as your anti-virus programs weekly.

Viruses

What is a Virus?

A computer virus/worm is a man-made software program that is designed to spread quickly to other computers, cause problems with your computer, and/or destroy computer software.

How does it get on my computer?

In order for a virus/worm to infect a user's PC, it must be installed. This is most commonly done by the user, sometimes by accident. Viruses are spread automatically, often coming from friends or family through email or as an attachment in an email.

How do I protect my PC from viruses?

Plain and simple! Anti-Virus software!
  • Keep it updated

  • Scan your PC often - approximately weekly

  • Always scan email attachments before opening them

  • Always scan anything downloaded from the internet before opening or installing it

  • Do not open emails or attachments from someone you do not know or were not expecting to send an attachment or link

Key Loggers

What is a Key Logger?

A key logger is a very powerful spy program that will give a malicious outsider the ability to record information such as websites you have visited, usernames and passwords, etc. The key logger records every button you press on your keyboard, has the ability to record all sent and received emails, and can take snap shots of your PC's desktop. When the data is recorded, it is then sent to the malicious outsider.

How do I minimize the risk of being a victim of Key loggers?

A user can minimize the risks of being a victim of Key logger attacks by:
  • Anti-Spyware Software

  • Anti-Virus Software

  • Be aware of what software you are installing

Phishing/Vishing

What is Phishing/Vishing?

Vishing, a lot like Phishing, is where con artist will try and hook their victims in to giving up their financial information over the phone, email or Internet.

How do they do it?

The way the con-artist will try to trick you is they will call random people pretending to be a bill collector or another representative from the credit union. They will tell you they need to update your personal information and try to lure you into giving them your credit card or account information.

How do I protect myself from a Phishing/Vishing scam?

  • If someone calls you asking you for your credit card or account information, hang up and call the financial institution that issued your card with the number found on the back of the card.

  • Always be cautious of any phone call or emails that don't use your first or last name.

  • If someone calls and knows your credit card number but wants the three digit code on the back of the card, hang up, call your financial institution that issued you the card and get a new one with a different credit card number.