Fraud + Security
An additional Multi-factor Authentication (MFA) method, Time-based One Time Passcode (TOTP), is available for members who choose this option in WebBanking and Mobile. Members can utilize authenticator apps such as Google Authenticator and Microsoft Authenticator as secondary authentication mechanisms. This feature can be enabled by going to My Settings under Security Options in WebBanking or in the Mobile App.
Take smart precautionsSign up for eStatements, so your financial information doesn’t have to go through the mail. Log into WebBanking™ to enroll. Before throwing out any sensitive documents, shred them. If you don’t own a shredder, use a shredding service; many office supply stores and shipping or printing businesses offer this. A cross-cut shredder is more secure that a strip shredder since it cuts the paper into countless pieces and can’t be reconstructed. Clean out your wallet. Carry only what you need – your driver’s license, debit card and credit card. Never carry your social security card in your wallet. This will make it easier to close and restore your accounts if your wallet is lost or stolen. Keep a copy of all important financial contact information in your records, including all the 800-numbers on the backs of your debit and credit cards. Store this info somewhere secure, not in your wallet. Keep private information private. Don’t post your address or phone number on social media sites. All it takes is a few pieces of information for a thief to steal your identity and account information. Consider enrolling in a credit monitoring service through one of the major credit reporting agencies. If they detect any suspicious activity, you’ll be contacted right away.
What if your identity is stolen?Place a fraud alert with one of the three credit agencies; whichever one you choose will inform the other two. A fraud alert will make it harder for someone to open new accounts in your name. If a physical theft took place – for example, if your home or car was broken into – file a report with your local police department. Contact the financial institutions for any accounts that may have been compromised, including credit card companies, banks or credit unions. File a complaint with the Federal Trade Commission. For more info on what to do, both immediately and down the road, visit the FTC consumer section on identity theft. In addition to general advice, they also speak to identity theft incidents affecting children, medical records and taxes.
You can automatically run a quick check of your browser’s compatibility with Allegacy’s WebBanking platform. After the check runs, you'll see an on-screen report of the results in your browser window. Check my browser's compatibility →
To validate the identity of Allegacy WebBanking™, an EV Digital Certificate is posted on both Allegacy.org and the WebBanking portal. These tethered certificates ensure that your browser is connected to Allegacy WebBanking and not to an imposter’s fraudulent site. When questioning if a website is secure, it's often helpful to look for a lock in the web address bar. While this doesn't prove the site is safe, it shows that the data is encrypted. Never use a site without a lock when transmitting confidential or payment information.
Please DO NOT send any sensitive information like account numbers or passwords through open email, an online form or Live Chat as none are completely secure communication channels. If sensitive details are needed, please use the Secure Messaging Center or Secure Live Chat found within WebBanking. This ensures your communications are protected through a closed and encrypted channel. Allegacy will NEVER contact you and ask for secure or private information. Do not share sensitive details like account numbers or passwords with others. Explore more ways to protect yourself.
When Allegacy sends you an email, we always include the last four digits of your Member Number in the upper right corner (example, xxxx1234). If an email seems suspicious, you can contact us to verify its legitimacy. We will never contact you with a request for sensitive information, like your account number, social security number or password. If you didn’t initiate contact, the request is not from us. The only time in which we’d ask for private data is if you’re the one who started the conversation and a secure channel is being used, such as Secure Email or Secure Chat within WebBanking. Our website will never prompt you for sensitive information. That goes for WebBanking too. We will also never ask you to send private data over email.
In the event you notice suspicious or unusual activity on your Visa® Debit Card, please contact us as soon as possible via phone at 336.774.3400 / 800.782.4670. If you notice suspicious or unusual activity on your Visa® Credit Card account(s) or suspect fraud, you can notify the Credit Union and Visa immediately online:
- Simply login to Webbanking and select Credit Card Account Information from the Additional Services menu.
- Then choose View Transactions.
- Select the ‘Dispute Transaction’ link next to the suspicious transaction.
In the event you find that your Visa® Credit and/or Debit Card(s) have been lost or stolen, please contact us as soon as possible via phone at 336.774.3400 / 800.782.4670 or online via our secure communication channels – Secure Email and Secure Chat – both of which can be accessed from the Support menu after logging in to WebBanking. You may also wish to contact all credit bureaus and have them place a “fraud alert” on your credit bureau report and order copies of your credit report to check whether any fraudulent accounts were opened without your knowledge or consent.