Guarding your personal information online

Here are some great tips on how to stay safe in cyberspace:

  • Set strong passwords. A strong password is a combination of upper and lower case letters and numbers that are not easily guessed. It could also be a simple sentence. Change it frequently and don’t write it down or share it with others.
  • Don’t reveal personal information via email. Scammers can make e-mail messages and texts look legitimate. Be wary of companies asking for you to send personal information as “verification.” Do not send your personal information such as account numbers, social security numbers, passwords, etc. via email or text.
  • Don’t download that file! Opening files attached to emails can be dangerous because they can contain harmful computer viruses or programs. Rule of thumb: if you’re not expecting an attachment from someone, question whether it is legitimate. Make sure you have a good antivirus program on your computer that is up-to-date.
  • Links aren’t always what they seem. Use caution when clicking links that are embedded in an email message. If it’s a link from an unsolicited company, type in the URL address directly instead. The displayed link is not always the same as the link that is programmed in the message.
  • Web sites aren’t always what they seem. Take a moment to verify that the Web page address you’re visiting matches exactly with the URL that you expected to reach.
  • Logoff from sites when you are done. When you are ready to leave a site you have logged in to, click the “logoff” button or link rather than just closing the page.
  • Monitor account activity. Monitor your account activity regularly either online or by reviewing your monthly statements and report any unauthorized transactions immediately.

What to Expect from University Credit Union (UCU)

  • UCU will NEVER call, email or otherwise contact you and ask for your user name, password or other online banking credentials.
  • UCU will NEVER contact you and ask about your credit or debit card number, PIN or 3-digit security code.
  • Our credit card or ATM card provider will NEVER contact you and ask for your card number, expiration date or CVC (security) code.If you are uncomfortable with any call you receive regarding your UCU account, please hang up and call the credit union to verify if the call came from the credit union.

Rights and Responsibilities

With respect to online banking and electronic fund transfers, the Federal government has put in place rights and responsibilities for both you and the credit union. These rights and responsibilities are described on page 9 in the Membership and Accounts Agreement you received when you opened your account with University Credit Union.

In addition, the State of California provides important information on Consumer Rights in Electronic Fund Transfers.

Report an Incident

If you receive a e-mail or text that you think is suspicious and involves University Credit Union, please report it to the credit union at Also report it to the Federal Trade Commission (a link to the FTC Web site is on the University Credit Union Web site at Law enforcement needs to know.