It Makes Sense to Stay Safe!

1^st Ed takes the security of our members’ information very seriously. We’re always looking for new strategies to ensure that your information stays secure, and finding innovative tools to keep you safe. Protecting our members’ security takes teamwork, so we ask you to do your part, too! Things like keeping your software and hardware updated are important, but that is just the start. Please refer to this page periodically for helpful tips and new information about how you can secure your information, and feel free to contact 1^st Ed at 717-264-6506 if you have any questions or concerns.

What 1st Ed Does

User ID

When you sign up for online banking, you are given a unique User ID. You will be prompted to change it when you log on for the first time, and will need this every time you access your account online or use Mobile Banking. When you call us or visit us in person, you will need to provide your membership account number and a form of ID and/or a Phone Password. If no Phone Password is set up, then another form of identification will be used to ensure that no one but you can access your funds or information.

 

Password

1^st Ed requires that you have a password setup for online banking to secure your account. You can reset your password by clicking on the “Forgot password” link. You can also reset your password within online banking under  Settings. In addition to your password, 1^st Ed requires multi-factor authentication (MFA) to be set up. This involves receiving a code by either a phone call or text to a phone number that is on file with us.

Reminder: 1^st Ed staff will never call or email you and ask you to provide your online banking password. Contact 1^st Ed directly if you have any questions or concerns related to home banking passwords.

 

Card Security Service

We work with Fiserv to monitor our cardholders’ usage and flag transactions that may be considered fraudulent. With the Fiserv fraud detection system, you will receive continual monitoring of your card activity to help identify and prevent fraudulent transactions in your account.

IMPORTANT: If Fiserv believes there is suspicious activity  on your 1st Ed Visa® debit or credit card, Fiserv will contact you on behalf of 1^st Ed either by phone, text or email to verify the transactions. If Fiserv cannot reach you directly, they will leave a voicemail with a call back number so that you can call to verify these transactions. They may also block your card  for security reasons.

Fiserv will verify your identity and ask for the case number that was left in the message, but they will never ask you for your full card number, expiration date of your card or the security code on the back of your card.

 

Added Security for Online Purchases

1st Ed has implemented additional security features for your 1st Ed Visa® Debit and Credit Cards to prevent fraud in online card transactions. When you attempt an online transaction using your 1st Ed card, Visa® will complete a risk analysis. If the transaction passes the risk analysis, it will process as normal. If the transaction is identified as higher risk (based on several factors, including merchant type, merchant location, dollar amount, and member transaction history), the transaction may be denied. You will then need to contact 1^st Ed to look into the reason for the denial.

 

What You Should be Doing 

Password

Create a strong and complex password. You can find some helpful hints and suggestions by visiting: https://www.cisa.gov/secure-our-world/use-strong-passwords

 

Stay Aware

Review your account activity regularly. The sooner you discover fraudulent activity on your account the better.

 

Always Log Off

ALWAYS log off and close your browser when finished using Online and Mobile Banking. Using publicly accessed wireless networks or shared computers for online banking is a major security issue, which is why 1^st Ed doesn’t recommend using them to perform online banking activities.

 

Know your Device

Take the time to read up on the security features of the device you are using for Online Banking. Use the security features offered and be sure to keep current with all updates.

 

Regularly Monitor your Financial Account Information

• View your account balances and transactions using 1^st Ed’s digital banking tools, including Online Banking, our mobile app, and SmartWallet.
• Review your account statements on a regular basis to identify any unauthorized charges or activity.
• Sign up for account alerts through Online Banking, our mobile app, and SmartWallet. You can elect to be notified when a withdrawal or deposit is made, your debit and/or credit card have been used, if you have had an overdraft and/or non-sufficient funds event, and more.
• Request one free credit report from each of the credit bureaus every year at AnnualCreditReport.com and review for accuracy.

 

Safeguard your Financial and Account Information

• Never share any password or PIN, even if they are temporary or one-time codes. Financial institutions do not need to ask for your password, and one-time passwords should only be entered into a system when you are confirming it is your activity.
• Think before you act. Be wary of communications that play on fear (frozen bank accounts or fraudulent transactions), request urgent action (act immediately), request personal information (PIN, Social Security number, account numbers, etc.), or offer deals that sound too good to be true.
• Be aware of common signs your personally identifiable information may have been compromised, including receiving calls from collections agencies about debts you do not recognize, receiving credit denial or credit acceptance alerts in the mail for accounts/loans for which you did not apply, or becoming aware of stolen personal information (e.g. Social Security card, driver’s license, etc.)
• If you receive a call, text, or email from a party claiming to be your financial institution, do not provide any account information.
• Never give credit or debit card information through a call you did not initiate or a call you made to a number you haven’t verified as legitimate.
• When accessing digital banking, ALWAYS log off and close your web browser or app. We strongly recommend you not use public Wi-Fi, publicly accessed, or shared computers for digital banking.

 

Take Action When Experiencing a Compromise

If your computer has been compromised, do the following:

1. Power down your computer immediately.
2. Have a reputable computer servicing professional inspect and clean your computer.
3. Change all user IDs and passwords.
4. Never provide your user IDs or passwords to individuals not listed on your account(s).

If your Social Security number has been compromised, do the following: 

1. Request a free one-year fraud alert by contacting one of the credit bureaus. Renew the alert as necessary.
2. If you are not planning to apply for accounts or loans in the near future, consider requesting a freeze on your credit report.
3. If you identify concerning information on your credit report or are informed of a line of credit/account that you did not authorize, visit identitytheft.gov for recovery steps.

If someone opened an account or loan in your name, request an extended fraud alert by contacting one of the credit bureaus:

• Experian- (888) 397-3742
• TransUnion- (800) 680-7289
• Equifax- (888) 378-4329

 

Communicate with 1st Ed

If you receive a communication from 1^st Ed that looks suspicious, or for any security questions or concerns about your account with 1^st Ed, call us immediately at (717) 264-6506.

Do not click on any links or contact information in a suspicious email, text, or other message, and do not reply directly to a suspicious message. If it is necessary to communicate with the sender of the message, we recommend you communicate with them by visiting them via their legitimate web address or by using contact information that you are familiar with to ensure you are communicating with the actual company.

 

Additional Security Best Practices

For these tips to be effective, we recommend that you periodically make sure you do the following:

• Be certain that you understand the terms outlined in your 1^st Ed Agreements and Disclosures.
  When you open your 1^st Ed account, you agree to its terms, which were written to protect you. You can review the documents online here.
• Check your 1^st Ed Account Statements each month for any unauthorized activity or transactions.
  You should notify 1^st Ed immediately if you notice anything out of the ordinary in your monthly account statement.
• Always lock your computer/device before you walk away.
  Avoid allowing other people to access the computer/device you are using to connect to Online Banking. While 1^st Ed’s security measures are in place to keep your information safe and secure, they should not be relied on to act as the only form of protection.
• Avoid using public networks to connect to Online Banking.
  Public networks often do not use encryption, which could cause your login information or financial information to be cached in a temporary file and be used later to compromise your account, even after you have logged out.
• Be on the lookout for social engineering attacks, such as “phishing” emails.
  1^st Ed will never ask you for your account number, Social Security Number, date of birth or other pieces of personal information in an e-mail. If you are provided with a link in an e-mail, do not follow it if you question its validity. 1^st Ed recommends that you always type in the web address of 1edcu.org when logging in. Cyber-criminals will use social engineering attacks to get you to divulge your personal and financial data such as using spoofed emails and websites designed to look authentic, even phone calls and text messages. 1^st Ed will never ask you for personal information in a call you did not initiate. If a call or text seems questionable, report it to 1^st Ed (or the financial institution it allegedly came from).
• Keep your antivirus and antimalware software updated
  These vendors often release patches and updates on a regular basis. The more up-to-date the programs are, the better they are at protecting your computer.

 

Additional Information

1^st Ed can only guarantee the online security of your funds and your personal information while you are conducting financial business on 1^st Ed’s site.

That means that if you leave 1^st Ed’s secure site, 1^st Ed can no longer make assurances that other sites will offer you the same protective measures as 1^st Ed.

Before leaving 1^st Ed’s secure site by clicking on a link within 1edcu.org, you will receive a warning – It will read, in part, “Important: You Are Now Leaving 1edcu.org.” You will have the option to return to the previous page or to continue. By clicking Continue, you will then leave 1^st Ed’s secure site. 1^st Ed cannot guarantee the security of another site that you may be entering and, therefore, 1^st Ed cannot guarantee your funds if you provide personal and/or financial information to that site.

 

Looking for more tips? Visit our Education Center for the latest financial tips, educational articles, and more.