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Fraud Prevention & Security

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Beware of things that seem too good to be true

  • Do not send money to someone you do not know.
  • Do not respond to a text message or email asking for personal information.
  • Do not accept checks greater than the amount expected or checks you received that you were not expecting.
  • Avoid opening emails, downloading attachments, and clicking links in emails or text messages from unrecognized sources.
  • Do not purchase gift cards to pay a bill or to provide funds for someone you don't know, even if the request seems urgent.
  • Use strong password protection - use a different password for every site, and do not use your browser's "save password" feature.
  • Set alerts on your accounts, including card alerts, to monitor your account.
  • Keep your anti-virus and malware protection software up-to-date.
  • Keep your mobile phone operating system up-to-date.
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Your Privacy is Personal

We've got your back with IDProtect® 1

IDProtect offers identity and credit file monitoring and detection, providing monthly reports and alerts whenever changes are made to your credit file.

IDProtect offers access to your credit report and credit score, allowing you to monitor your credit score and keep track of changes and setbacks.

Should you become a victim of identity fraud, a dedicated IDProtect fraud specialist will be assigned to manage your case.

IDProtect is FREE with your Premier Checking account. 2

IDProtectMe247

A man in a wheelchair holds his Emerald Visa card in one hand and a tablet in the other

Card Control Set-up

Follow the step-by-step processes below to register your Emerald Visa® Credit Card or HFCU Debit Card in eBranch to add real-time security & settings.

  • From the dashboard, select the credit card in the account listing.
  • Then, choose Details & Settings. 
  • Once you receive a new card, activate it by clicking the "Activate" button in the "Details & Settings" tab. To access card controls for existing cards, click that card profile from the list.
  • To turn on card controls and alerts, this button will say "Register." After registering, it will say, "Unregister."
  • Credit card alerts are located with the remainder of the alerts. Once registered for card controls, you can adjust your alerts here. 
  • You can then set alerts as needed. Credit card alerts will default to your mobile number.
  • Please note these steps can be followed from your smartphone or tablet using the HFCU eBranch mobile app.
  • From the dashboard, select your share draft checking in the account listing.
  • Then, choose Details & Settings. 
  • Once you receive a new card, activate it by clicking the "Activate" button in the "Details & Settings" tab. To access card controls for existing cards, click that card profile from the list.
  • To turn on card controls and alerts, this button will say "Register." After registering, it will say, "Unregister."
  • Debit card alerts are located with the remainder of the alerts. Once registered for card controls, you can adjust your alerts here. 
  • You can then set alerts as needed. Debit card alerts will default to your mobile number.
  • Please note these steps can be followed from your smartphone or tablet using the HFCU eBranch mobile app.

Add a sub-user for the joint member on your account.

  • From the Dashboard or eBranch, open the "Manage Users" tab.
  • Select "+ Add a New User."
  • You will be prompted to send and enter a security validation code for security purposes.
  • Fill in the information for the member – including First and Last Name, address, email, and phone numbers. You will also need to create a unique username for them at this step.
  • Review the permissions on the following screen to review what they will have access to.
  • Confirm the user.
  • The sub-user will receive a temporary password that they will use to log in for the first time. They will be prompted to set a new password at their first login.
  • You can review your sub-users and their permissions anytime by visiting the "Manage Users" tab.

two factor authentication

Two-Factor Authentication

To keep your HFCU eBranch account as secure as possible, we encourage you to use SMS, Voice, or Push authentication as your method for two-factor authentication, all of which are safer authentication methods than email.

To turn on two-factor authentication in eBranch, navigate to your profile and verify your phone number(s). This will ensure that you will be allowed for two-factor authentication selection in the future. (If a number has not yet been verified, the words "Verify" will display next to it. To verify that phone number, click the link and follow the steps for verification.) Additionally, in your "User Settings" menu, select "Security" and then the "Devices" tab. This tab will display all of the devices that have accessed your account. If one of your devices is eligible for push authentication, you can deactivate or activate it under that specific device.

If you have any questions or need assistance updating your two-factor authentication method, please contact us at 888.252.8932.

Disclosures

1 IDProtect® service is a personal identity theft protection service available to personal checking account owner(s) who are at least 18 years of age, their joint account owners, and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations, and/or churches and their members, schools, and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as a domestic partner, children under 25 years of age, and parent(s) of the account holder who are residents of the same household.

2 There are no minimum balance requirements and the monthly fee is $3.95 per month, or $2.95 per month with regular direct deposit. Regular direct deposit means two (2) direct deposits of at least $150.00 each, or one Social Security deposit in a month.