Privacy and Security

Privacy



Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Tremont Credit Union will never share your personal information with third-parties unless authorized. Instances where Tremont Credit Union will share your personal information are for everyday business purposes, for Tremont Credit Union’s marketing purposes, and for joint marketing with other financial companies. Our Privacy Policy


Our privacy policy remains the same whether you are online or not. At our website,www.tremontcu.org, you may apply for membership, accounts, loans and services. You may also safely communicate with us via the secure Contact Us form or our Secure Email Message Center. To protect information, you provide us online, we use multiple levels of encryption and security.

Tremont Credit Union understands the risks with banking online, and has implemented extra processes to protect your privacy when you bank online with us.



Links from our website are provided for your convenience only. These linked sites are separate from our credit union’s web site. We are not responsible for the content or availability of any linked third party websites or the privacy practices of such third parties. In addition, a link from our website to another does not indicate that Tremont Credit Union endorses the services or policies of such third party websites. You should always investigate the information and security practices of all websites that you access and carefully examine the privacy policies of any websites linking to or from our website. Information collected from the linked websites will be subject to the information practices of those websites.

Computer & Mobile Security



It is primordial to keep your computers and mobile devices’ operating systems up to date with the latest patches, and firmware versions. Please do not ignore the updates that are routinely pushed to your devices, as they usually enhance the stability of your systems, but more importantly correct potential vulnerabilities, therefore enhancing your security.

Similarly, please install anti-virus and anti-malware solutions to keep your devices protected from the myriad of attacks. On the other hand, please remain vigilant when using public WiFi hotspots as most likely your data transmission could be intercepted by malicious third parties. These simple steps will significantly protect your systems ensuring safe and uninterrupted access to your favorite online resources.

Common Financial Scams



Card skimming is a practice scammers use to get your card information from an ATM. The scammers add an illegal device such as a camera or a false plastic scanner over the regular scanner. These devices typically appear as if they’re supposed to be a part of the ATM. These are used to see your card information as well as your PIN.
To avoid these scams, gently check the ATM scanner and the surrounding panels on the ATM. If there’s an illegal device on the ATM, its likely easy to remove for quick access for the scammer.


Email fraud, also known as phishing, is when internet fraudsters impersonate a business in an attempt to trick you into giving out your personal information, such as usernames, passwords, and credit card details. Legitimate businesses, like Tremont Credit Union, will never ask you to send sensitive information through insecure channels.
To avoid these scams, never give out personal information through your email, never reply to the email or click on any links in the email, never open unexpected attachments, delete suspicious messages (even if you know the source). If you are not sure of an email that claims to be from Tremont Credit Union, please call (718) 843-5626.


A data breach is an incident in which sensitive, protected or confidential data has potentially been viewed, stolen or used by an individual unauthorized to do so.
Past data breaches that you may be aware of are the Target and Home Depot data breaches where credit card information of millions of customers was stolen. Unfortunately, there is little a member can do to protect themselves in these instances. However, the credit union works diligently to protect the effected member by freezing the stolen card, informing the member, and reissuing another card to the member in a timely and secure manner. Tremont Credit Union takes security very seriously. We monitor our credit and debit card transactions 24/7, looking for and blocking fraudulent transactions when possible.


Fraudsters may attempt to trick you into releasing personal information by calling you and claiming to be from a legitimate business. The scammer will often speak quickly, try to confuse you, or act as if your account will be closed or charged if you don’t give them the information immediately. It is important to remember that legitimate businesses will never request information that they already have, and that sensitive information should never be provided by phone or email if you did not initiate contact.

Lost Cards


During TCU Hours: If your TCU Visa Debit Card has been lost or stolen, please call us at 1-800-370-1939 to freeze or cancel your card.

After Hours: If your TCU Visa Debit Card has been lost or stolen, please call our MTS system at 1-800-370-2255 to freeze or cancel your card. Your access code will the last four digits of your social security number unless you have designated a different number as your access code.

After Hours: If your card has been blocked without your knowledge, or to report fraudulent activity on your debit card, please call 1-888-241-2440.



During TCU Hours: If your TCU Visa Credit Card has been lost or stolen, please call us at 1-800-370-1939 to freeze or cancel your card.

After Hours: If your TCU Visa Credit Card has been lost or stolen, please call Visa directly at at 1-800-847-2911, or call one of Visa’s global toll-free numbers. A Visa representative will work with you to notify the appropriate parties and replace your card.

Other Resources

Online Security

Online Financial Safety Tips

Stay Safe Online – Cyber Security is a growing topic concerning everyone who uses the internet. To help protect our community and keep online practices safe and secure, Tremont Credit Union is a proud supporter of National Cyber Security Awareness Month (NCSAM).

Stop.Think.Connect – Learn how to make the internet a safer place for everyone.

 

Think you know everything about consumer fraud and identify theft? Learn how you may unknowingly be putting yourself at risk and more through TCU’s Online Financial Learning Center

Visit Learning Center

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