Apply for a loan
Great Rates. Local Decisions.
News right to your inbox.
Membership is REWARDING!
Benefits for you!
Switch to Keys FCU!
Use our Switch Kit to consolidate
your accounts and simplify your finances.
At Keys Federal Credit Union, the safety and security of your information is of utmost importance to us! We take great effort in ensuring your account information is as secure as it can possibly be. It is equally important for YOU to be educated and informed about the types of things that could compromise your personal information and finances. Knowledge is power and we want to empower you!
Learn how to protect yourself from “phishing” schemesCheck Fraud and Identity Theft
Learn how to protect yourself from Check Fraud and Identity TheftProtect Yourself
Simple tips and tricks so you don’t fall victimHelpful Websites
Phishing scams attempt to get personal information by urging you to send your information as a response to an email that appears to come from a legitimate source. For example, some "phishers" send an email saying it’s from your bank or credit union. The email might say you've unsuccessfully logged onto an online banking service and asks you to try again, using a link in the email. The link sends you to a fraudulent site where identity theft could occur.
Keys Federal Credit Union will NEVER ask you to confirm your personal information using a link in an email. When you receive a legitimate email from us, we will always advise you to access our web site and online services by using your own bookmarks or favorites, or by typing our URL before logging on. Remember - when in doubt, type it out!
If you think you have responded to a fraud attempt and provided personal information, please contact us immediately so we can evaluate your situation and secure your Keys Federal Credit Union accounts.
If you can answer “Yes” to any of the following questions regarding a Cashier's Check or Money Order you intend to deposit, please notify us immediately:
- Do you have any reason to suspect that this check is not valid?
- Have you recently advertised something for sale or purchased something over the Internet? If so, is this check payment for that item?
- Have you been asked to wire, or otherwise return, a portion of the funds back to the sender or some other third party?
- Have you recently received an email or letter stating you have won a sweepstakes or lottery? Are they claiming that all you need to do to collect your prize is provide them with your account number and other personal information so they can wire the funds into your account?
- Have you recently accepted a job offer over the internet and received a payroll advance by check, or were asked for your personal information in order to process a wire into your account?
Were you asked to return a portion of the payment for tax purposes?
Please remember: If a Cashier’s Check or Money Order is returned as a counterfeit or forgery, you are liable for the loss. Please let us know if you have any questions or need more detailed information.
There is no guarantee that you'll never fall victim to some form of identity theft. But there are simple steps you can take to protect yourself:
- Sign up for eStatements and online bill payment. eStatements are convenient and since you receive them electronically you can review activity faster than if you were to wait for a paper statement in the mail. If you need a paper statement, it can be printed from your computer.
- Secure your postal mail. An unlocked mailbox is a treasure chest for thieves. Credit card statements, convenience checks and solicitations, tax information and account numbers are all at risk. Never mail outgoing bill payments and checks from your home mailbox. Use a USPS mailbox.
- Keep documents secured. Checkbooks, statements, etc. should be kept out of sight at home. Sadly, identity theft is often perpetrated by friends, roommates, in-home employees or family members.
- Safeguard your Social Security number. Never carry your card with you. Don't put your number on your checks. It's the primary target for identity thieves because it gives them access to your credit report and bank accounts.
- Keep your PIN private. Memorize your PIN. Don’t write it on your card or keep it in your wallet for a thief to find. Don’t lend your card to anyone else.
- Before discarding, shred private documents. A shredder is very effective, especially the cross-cut or diamond-cut type.
- Don't leave a paper trail. Never leave ATM, credit card or other receipts behind.
- Know who you're dealing with. Whenever anyone contacts you asking for private identity or financial information, make no response other than to find out who they are, what company they represent and the reason for the call. If you think the request is legitimate, contact the company yourself and confirm what you were told before revealing any of your personal data.
- Review your credit card statements carefully. Make sure you recognize the merchants, locations and purchases listed before paying the bill. Keep only the cards that you need.