OnlineAccess uses an integrated security system to protect your account data from exposure to unauthorized persons. This system is a multi-factor security policy that governs all aspects of the OnlineAccess service. Each tier governs a unique aspect of your OnlineAccess session and transactions with the Credit Union. These policies form a rigid security implementation that enables you to conduct business with the Credit Union via the Internet with an extremely high degree of security. At no time does anyone from the outside world have access to the Credit Union's database via the Internet. Any and all requests for data must pass through two distinct validation and control centers. Each request and answer is logged at each stop through the firewall. Additionally, any suspicious activity is logged and causes an alarm.

Encryption occurs for all information going to and from both you and OnlineAccess. Plainly stated, encryption is "mumbo jumbo". Encryption takes meaningful text and numbers and scrambles them into numerical nonsense before transmitting them across the Internet. This process uses complex mathematical formulas to create a key that is used to translate the "mumbo jumbo" nonsense back into meaningful data. There are billions of potential keys and a different one is used for each online session with OnlineAccess. The key to be used is established when the online connection is made between your device and OnlineAccess. Your next online session will use a completely different key!

Your personal account also has two additional layers of security surrounding it. First, your Login ID (Account #) and Password (PIN) which are specific to your account and can be changed by you for added security. Second, is a one-time use verification code. The verification code can be delivered to you via a text message or a call to a phone number you have stored in OnlineAccess. The OnlineAccess system will automatically lock access to your account should several unsuccessful attempts to access your account be made.

*Throughout this notice, the word "information" refers to personal information about you that may not be publicly available.