Legal Information and Disclosures
CU Online Security Awareness & Helpful Tips
Regulation E protections related to accounts with internet access
- Please review the EFT Disclosures section of your deposit account contract (known as part 2).
HTFFFCU will never send e-mails requesting personal information, ask you to verify information, or ask you to click on a special site link.
- Do not hesitate to call the credit union at 713-864-0959 to confirm any communication we may send you.
Steps members can take to reduce online risk on commercial accounts:
- Perform employee background checks on all account representatives and signers
- Segregate duties and require dual control
- Establish minimum requirements for online account passwords
- Establish monitoring procedures to detect suspicious account activity
- Establish response procedures to specify actions to be taken by specific individuals when unauthorized access is suspected
Steps members can take to reduce online risk on personal accounts:
- Regularly log into CU Online to check your account balances and transactions
- Notify the CU immediately if you notice any unexpected account activity
- Create strong passwords that use a combination of letters and numbers that are not easily guessed.
- Make sure that the anti-virus software on your computer is current and that it scans your e-mail as it is received
- When conducting business online, make sure your internet browser’s padlock or key icon is active.
- Always click the “Logout” button on CU Online immediately after you are finished.
- Do not share your account number or PIN with anyone.
- Do not send or receive personal account information by unsecure or unencrypted e-mail
- Never respond to an e-mail that requests information about you or your accounts.
- Do not open e-mails or attachments from unknown sources.
Important contact information for victims of identity theft:
Call the FTC’s Identity Theft Hotline, toll-free: 1-877-ID-THEFT or visit their website www.consumer.ftc.gov/topics/privacy-identity
Contact one of the three consumer reporting companies and have a fraud alert placed on your credit report. This will help stop fraudsters from opening any additional accounts in your name. Contact only one of the following (the others are required to contact the other two):
Equifax: 1 (800) 525-6285; www.fraudalerts.equifax.com
Equifax Fraud Division, P.O. Box 740250, Atlanta, GA 30374
Experian: 1 (888)-397-37426; www.experian.com
Experian Fraud Division, P.O. Box 1017, Allen, TX 75013
Transunion: 1(800) 680-7289; www.transunion.com
TransUnion Fraud Division, P.O. Box 6790, Fullerton, CA
- A2A Transfer Agreement
- Account Agreements
- CD/Share-Secured Loans Notice
- Credit Card Agreement & Disclosure
- CU Online & Mobile Banking
- CU Online Security
- Equal Credit Opportunity Act
- eStatement Disclosure
- Funds Availability
- General Notice to Membership
- Mobile Deposit Agreement
- ID Procedures & Cell Phone Use
- Rate & Fee Disclosure
- Unclaimed Property
- USA Patriot Act Brochure