Information Security

Computers and mobile phones allow us to leverage technology for information, entertainment, and services. Unfortunately, they’re also a means for criminals to take advantage and anyone who uses the internet is a potential target.

With Affinity Plus, our members’ security is our number one priority. You can rest assured that our dedicated teams are on guard 24/7 to anticipate, address and help prevent security threats.

 

  • Affinity Plus employs state of the art security systems to monitor our physical and technical environment
  • Our online banking systems will automatically log you out of after 15 minutes of inactivity
  • Our mobile applications will automatically log you out after 5 minutes of inactivity
  • No personal or financial information will be stored on your computer or smartphone
  • All data and wireless communications are securely encrypted
  • We monitor payment channels for suspicious transactions to detect fraud    

 

Protect Yourself Against Security Threats

Security is a team effort and we need your help to ensure security on both ends. To learn more, review the following tabs on how you can identify and react to these threats.

 

Fraud is criminal deception intended to result in financial or personal gain. Fraud is generally carried out through identity theft, which is when someone else is using your personal information to open accounts, purchase good, or file your taxes.

How to reduce the risk…

  • Make a list of the contents of your wallet or purse
  • Go paperless and use the secure Online Banking and mobile app from Affinity Plus
  • Regularly review credit reports
  • Monitor your statements, bills and accounts
  • Watch your postal mail for unexpected information or missing mail related to accounts
  • Only do business with companies you know and trust
  • Review the information on this site on how to protect your mobile and PC environments
  • Use multifactor authentication where ever it is available
  • Keep your accounts up to date on any address, phone or contact changes

 

How to spot identity theft…

  • Monitor your statements, bills and accounts
  • Look for unexpected charges on your bank or credit cards
  • If you receive an unexpected notice that your account passwords have been changed
  • If you receive notice that your accounts where accessed from a unexpected systems

   

What to do if your information has been compromised…

  • Sign up for credit protection and alerts
  • Notify affected creditors and banks
  • Contact credit reporting agencies
  • Put a fraud alert or credit freeze on your credit report
  • Notify the police and the FTC
  • Change all passwords
  • Contact the Social Security fraud hot line
  • Get a new driver’s license
  • Contact your utility companies

There are several common ways that criminals gain access to your information to steal your identity and commit fraud; in particular, phishing and vishing.

Phishing is the social engineering tactic used by criminals to deceive someone via email to divulge personal information. Phishers create links that look legitimate but instead direct you to malicious websites when you select them.

Vishing is the social engineering tactic used by criminals to deceive someone over the telephone to divulge personal information. Vishers attempt to impersonate your bank or credit company to trick you into divulging personal information.

How to protect yourself…

  • Never reply to emails or text messages that request personal information
  • Type the website in to the browser manually, without using a link
  • Look closely at unexpected messages with links
  • Use mobile apps to avoid links in emails
  • Never divulge personal information over an unsolicited phone call; call your bank or credit company directly   
  • Affinity Plus, and most financial institutions, will never ask you for your user ID or password   

Smartphones are great for entertainment, information, and business on the go, but it’s important to understand basic security tips to stay safe.

  • Always download apps from reputable sources
  • Password-protect your smartphone
  • Always lock your phone when it’s not in use.
  • Set your phone to automatically lock after being idle for 5 minutes or less.
  • Use a longer password than the default 4-digit unlock code if available.
  • Set your phone to erase all data after 10 bad password attempts.
  • Clear data from your smartphone frequently
  • Delete text messages from financial institutions, especially before sharing, discarding, or selling your phone.
  •  Install antivirus on your phone
  • Remove personal information before replacing your smartphone.

If your phone is lost or stolen…

  • Follow the steps from your mobile service provider to report a lost or stolen phone
  • If you’re using the Affinity Plus mobile app, no data is stored on your device so there’s no need to contact us or change your ID or password.    
  • When you get your new phone, just download the new app to continue your mobile banking.            
  • Monitor your accounts for suspicious activity.

Protect Your Computer…

  • Install anti-virus, anti-malware, and anti-spam software
  • Use reputable software.
  • Never install software offered through pop-up windows
  • Install a firewall or use the built-in firewall offered by most operating systems
  • Configure your browser to block pop-ups
  • Keep your operating system and applications current with the latest updates and patches
  • Erase (or physically destroy) your hard drive before discarding your old computer
  • Change the default password set up by the manufacturer of common networking equipment such as wireless routers
  • Following the manufacturer’s instructions, make sure the encryption (for example, WPA2 or WEP) on your wireless router is turned on

Password Tips…

  • Use strong passwords with 8+ letters, numbers, and symbols
  • Change your passwords frequently
  • Never share your password with anyone.
  • Create a unique user ID and password for sensitive accounts like banking, different than social media accounts.
  • Don’t carry passwords in your wallet
  • Change default passwords and network names
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