Redmond Credit Union values the trust you put in us as your financial institution, and we take the responsibility of safeguarding your personal information very seriously. This Statement describes some of the steps we take to protect the personal and financial data you have entrusted to us.
When you visit our website at seattlecu.com or smcu.com, we collect only the private information that you choose to give us (such as providing feedback or completing a form). We may use “cookies” on some pages of our website for the purpose of serving you better when you return to our site. A cookie is a small text file placed on your hard drive by our host’s web page server. These cookies do not collect any personal identification information. We use data collected from cookies for administrative purposes, e.g., to help us improve our site design and content. Cookies may also be used to track how you use the site to target ads to you on other websites.
We do not knowingly collect or use personal information from children under 13 on our website or anywhere else.
When you bank online with us, you voluntarily provide personal identifying information i.e., your account number and password. This information, which may be enhanced from time to time, enables Redmond Credit Union and the companies we work with to provide you secure access to your accounts. Secure Socket Layer (SSL) technology (128-bit) and multi-factor identification are used to protect your personal information. During a log-in session, cookies are used for security purposes, but your account and/or personal information is not stored within the cookie.
When you choose to submit an online form and/or application, or enter a contest or participate in a survey, Redmond Credit Union may ask that you provide information about yourself. Online applications and forms on which you provide non-public personal information are forwarded to us on secure phone/data lines. We collect and store this information in order to respond to you and maintain a record of that response.
If you send an email directly to a Redmond Credit Union email address via the Internet, or if we offer you the option of sending an Internet email through our Web site, we collect and store any personal information you submit in order to respond to you and maintain a record of that response. Internet email is not secure, and normally should not be used for inquiries of a sensitive and confidential nature. Since an Internet email response back to you is not secure, we will do our best to not include confidential account information when addressing your concerns in an email response.
Phishing is the attempt to get your private information by posing as a website, email, or representative of a trusted institution. Be aware that Redmond Credit Union will never ask you for sensitive information, such as your Social Security number, PINs or passwords, by phone, email, or text messaging. If you receive an email, text message, or phone call requesting this type of information, please contact us immediately.
Although perfect security is not possible, we have policies and procedures in place to protect the safety of your personal and financial information. We have not and will not sell your account information. We may share some information with third parties, as permitted by law, to enhance the products and services we offer and to comply with local, state, and federal regulations.
You communicate with our computer systems, web site, by using your computer's web browser. Your web browser will need to be updated periodically for continued safe and secure use of our web site. Our Websites are secured via digital certificates and industry standard encryption and time-sensitive session cookies in order to obtain personal information for member transactions. We only support browsers that use Secure Sockets Layer ("SSL") 3.0 (or higher). SSL is intended to help ensure that: You are in fact dealing with SMCU, instead of a site impersonating us. Your information reaches us through SSL to help protect the contents of the message from eavesdropping, and interception, however, no security is perfect and it is your responsibility to use up-to-date software, security features such as anti-virus, anti-malware, and connect via trusted networks.
If you access our websites or mobile app via a mobile device, we recommend that you that these steps to secure that device in the event it is lost or stolen. 1) Use a password or passcode to lock your device to prevent unauthorized access. 2) When you are finished with a mobile session, log completely our of either mobile Online Banking or the Redmond Credit Union Mobile App to guard against unauthorized access to your Redmond Credit Union accounts. 3) Do not store your Online Banking password on your mobile device and do not allow the Redmond Credit Union Mobile App or website to remember your password. 4) Download updated to the Redmond Credit Union Mobile App as they are available to ensure that you have necessary security fixes.
Redmond Credit Union may send (or arrange for others to send) emails. If you do not want to receive those communications in the future, follow the steps within the message to unsubscribe or contact us. If you enrolled in Online Banking, you agreed to our Electronic Communications Disclosure and therefore we may periodically send other disclosures and important information to you electronically. Such enrollment process did not include an opportunity to opt-out of receiving electronic communications from us; however, you may opt-out of receiving subsequent electronic communications at the time of receipt by selecting "unsubscribe". You may opt out of all electronic communications by contacting us.
We reserve the right to change this Statement, and you agree it is your responsibility to check this Statement periodically for any changes. Copyright © 2018 Redmond Credit Union. All Rights Reserved.
SYSTEM ACCESS INFORMATION
PASSWORD SECURITY TIPS
REPORTING SUSPICIOUS ACTIVITY
ONLINE ACCESS RISK
WEBSITE SECURITY TIPS
COMPUTER & NETWORK SECURITY TIPS
RECENT SCAMS AND HOW TO REPORT SCAMS
SCAMS AND FRAUD AND TIPS TO AVOID BEING A VICTIM
INFORMATION FOR BUSINESS USERS OF ONLINE SERVICES
Financial Regulators have noticed that business transactions, because of their frequency and dollar value, are inherently more risky than consumer transactions. The fraud risk is increasing, e.g., rise of online account takeovers and unauthorized online fund transfers related to business accounts. For example, small to medium sized businesses have been primary targets as cyber criminals have recognized that the security controls they have in place are not as robust as that of larger businesses.
Here are some of the financial regulators’ suggestions to enhanced controls for businesses: