October 21st, 2010

Mobile Banking Security Tips

At Seattle Metropolitan Credit Union we are very concerned about your security, no matter how you access your accounts. Now that we offer mobile banking services, we want to take a moment to share some important safety suggestions to help you avoid mobile banking fraud.

  • Any time you log into SMCU Mobile Banking, be sure to be aware of the people around you. Don’t disclose personal information, including account numbers or social security numbers, if someone else can read your screen or hear your voice.
  • Always secure your phone with a password to prevent unauthorized access. It may be a bit of a hassle, but if your phone is ever lost or stolen, you’ll be glad you took this extra precaution.
  • Be sure to log out completely every time you finish a Mobile Web Banking session. This will prevent someone from having easy access to your information if they get hold of your phone. Also, don’t save any financial or personal information on your phone, including PINs and Online Banking login information. If you lose your phone, not only have you lost that information, but it could fall into the hands of someone with bad intentions.
  • Some web browsers have an “auto-fill” function that remember your username and password, and pre-fill these fields for you the next time you log in. If you are prompted, tell your phone NOT to remember or auto-fill this information.
  • Beware of third-party applications (“apps”) for your phone. There are some programs that you can download that claim to organize your various online banking accounts or other passwords. Many of these are basically phishing scams designed to steal your information and send it to fraudsters. Only access your accounts through our official website www.smcu.com or the mobile site m.smcu.com. Seattle Metropolitan Credit Union does not currently have or endorse any downloadable application.
  • If you do lose your phone and you are worried about your Online Banking information being compromised, log into your account from another computer and reset your password right away. If you can’t get to a computer, call our Contact Center at 206-398-5500 or 800-334-2489.
  • If you use SMCU Mobile Text Banking, know that we will never send you an unsolicited message or ask you for a password or personal information via text. If you get a message requesting such information, do not respond.
  • While SMCU will never send personal or account identifying information via text, being in the habit of periodically deleting your archived texts will help ensure there is never information on your phone that might jeopardize your account’s security.

Being cautious when using SMCU mobile banking doesn’t take any extra time and will help ensure that you never have to worry when checking your accounts by phone. If you have questions about accessing your SMCU accounts on your phone, call our Contact Center.

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