The Partnership Federal Credit Union
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Your Security with The Partnership FCU

In light of the rise of internet security and identity theft incidents, The Partnership FCU wants to assure you that protecting the Credit Union and your information remains our highest priority. We ensure your privacy and security by offering technology and services designed by the brightest minds in the online banking industry.

How We Protect You

Encryption: The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server.

Secure Architecture: The computers storing your actual account information are not linked directly to the Internet.

  • Transactions initiated through the Internet are received by online banking Web servers.
  • These servers route your transaction through firewall servers.
  • Firewall servers act as a traffic cop between segments of our online banking network used to store information, and the public Internet.
  • This configuration isolates the publicly accessible Web servers from data stored on our online banking servers and ensures only authorized requests are processed.
  • Various access control mechanisms, including intrusion detection and anti-virus, monitor for and protect our systems from potential malicious activity. Additionally, our online banking servers are fault-tolerant, and provide for uninterruptible access, even in the event of various types of failures.

Online Banking Features that promote Security We provide a number of additional security features in online banking to help protect you:

  • Timeout: This prevents curious persons from continuing your online banking session if you leave your PC unattended without logging out.  You may set the timeout period in online banking's User Options screen. We recommend that you always sign off (log out) when done banking online.
  • Online Statements: Online statements are facsimiles of traditional financial statements packaged and delivered to you securely within Internet Banking. By eliminating your paper statement, you help stop thieves from stealing your information out of your mailbox.
  • Alerts: Check clear alerts, payment alerts, and balance alerts are financial tools we provide to help you to monitor your accounts more actively and to detect suspicious activity more easily.
  • Digital Identity and Signature: Members can establish a digital identity that will be verified by the Credit Union which allows them to receive and sign documents in a secure-encrypted and convenient environment. 

What you "the Member" can do
The Partnership FCU recommends that you never respond to email messages asking you to verify personal information. But accidents happen, and the following information could be useful if you've been scammed.

Password Complexity: 
It is important to verify that only authorized persons log into online banking. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure data center.

We allow you to enter your password incorrectly a limited number of times; too many incorrect passwords will result in the locking of your online banking account until you call us to reinitialize the account. We monitor and record "bad-login" attempts to detect any suspicious activity (i.e. someone trying to guess your password).

You play a crucial role in preventing others from logging on to your account. Never use easy-to-guess passwords. Examples:

  • Birth dates
  • First names
  • Pet names
  • Addresses
  • Phone numbers
  • Social Security numbers 

Never reveal your password to another person. You should periodically change your password in the User Option section of Internet Banking.

If you have received a fraudulent email:
If you receive an e-mail that appears to be from The Partnership FCU, NCUA or any other Credit Union related organization and instructs you to go online to provide or “verify” financial or sensitive personal information, don’t believe it: We would never send you an e-mail asking for your credit- or debit-card, credit union or bank account information, Social Security number, login information (such as a PIN) or similarly sensitive data.

These organization’s name, logo, and other graphics have been used fraudulently in numerous phishing e-mails aimed at tricking people into providing sensitive financial and personal data on replicated Web sites. Giving these phishers your account and other sensitive information may expose you to identity theft and other types of fraud. If you have already complied with a phishing e-mail, you should contact the institution where you maintain your account and have the information changed immediately.

This e-mail activity has been reported to the Internet Crime Complaint Center run by the FBI and the National White Collar Crime Center. Recipients are also encouraged to report these incidents; that can be done online at

If you think you have received a phishing e-mail but are not certain, you may contact the Member Services and Loans at 1-800-285-3286; or by secure e-mail

For information about the complaint-filing process at IC3, go to

If you have given out your credit, debit or ATM card information:
  • Report the incident to the card issuer immediately
  • Cancel your account and open a new one
  • Review billing statements carefully after the incident
  • If the statements show unauthorized charges, send a letter to the card issuer via regular mail (keep a copy) describing each questionable charge

Credit Card Loss or Fraudulent Charges Your maximum liability under federal law for unauthorized use of your credit card is $50 (policies vary). If the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use; in general, you may only be liable for a very small amount but always check with your individual card company for their exact policy.

Your liability depends on how quickly the loss is reported. You risk unlimited loss by failing to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you.

If you have given out your bank account information
  • Report the theft to the bank as quickly as possible
  • Cancel your account and open a new one

If you have downloaded a virus or 'Trojan Horse'
  • Some phishing attacks use viruses and/or a 'Trojan Horse' to install programs called "key loggers" on your computer. These programs capture and distribute any information you type to the phisher, including credit card numbers, usernames and passwords, Social Security Numbers, etc.
  • If this occurs, you likely may not be aware.
  • To minimize this risk, you should:
    • Install and/or update anti-virus and personal firewall software
    • Update all virus definitions and run a full scan
    • If your system still appears compromised, fix it and then change your password again.

Check your other accounts - suspects may have accessed different accounts: eBay account, PayPal, your email ISP, online bank accounts, and other e-commerce accounts.

If you have given out your personal identification information
Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. If you have given this information to a phisher, you should do the following:

Report the theft to the three major credit reporting agencies, Experian, Equifax and TransUnion Corporation, and do the following:

  • Request that they place a fraud alert and a victim's statement in your file
  • Request a FREE copy of your credit report to check whether any accounts were opened without your consent
  • Request that the agencies remove inquiries and/or fraudulent accounts stemming from the theft

Notify your credit union and/or bank(s) and ask them to flag your account and contact you regarding any unusual activity: If bank accounts were set up without your consent, close them; If your ATM card was stolen, get a new card, account number and PIN; Contact your local police department to file a criminal report; Contact the Social Security Administration's Fraud Hotline to report the unauthorized use of your personal identification information; Notify the Department of Motor Vehicles of your identity theft; Check to see whether an unauthorized license number has been issued in your name; Notify the passport office to watch for anyone ordering a passport in your name; File a complaint with the Federal Trade Commission; Ask for a free copy of "ID Theft: When Bad Things Happen in Your Good Name"; File a complaint with the Internet Crime Complaint Center(IC3) by visiting their website:

For victims of Internet fraud, IC3 provides a convenient and easy reporting mechanism that alerts authorities of suspected criminal or civil violations.

Document the names and phone numbers of everyone you speak with regarding the incident. Follow-up your phone calls with letters. Keep copies of all correspondence.

If you see a suspicious-looking email message claiming to be from The Partnership FCU please let us know. We continually monitor such reports and act on them promptly. Additionally, also consider contacting Internet Crime Complaint Center at

Useful Links
Internet/E-mail Fraud Alert


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