Keeping Your Personal Information Safe

Hickam Federal Credit Union is committed to helping you protect yourself from identity theft and fraud. As online threats become more prevalent, sophisticated, and malicious; it is our top priority to help you safeguard your confidential information.

As a financial institution, we are subject to strong data security standards established by our government and federal regulators. Our network connectivity uses sophisticated detection and encryption systems to ensure that our member information and online banking service is secure. And, Hickam FCU has policies and procedures in place to further protect members’ personal information.

The latest operating system and browser version is recommended for all platforms. You are solely responsible for obtaining, maintaining, upgrading and operating your ISP and any associated software. We are not responsible for any loss, damage or claim caused by your ISP, any related software, or your computer communication equipment.

And, the credit union does not secure the Internet, nor controls your transaction or transmission over the Internet, nor provides protection for email or data transfer using your personal computer; and shall not be liable for any loss, harm, or fraud as result of your computer or mobile device acquiring a virus or malicious code.

We value your trust in us to ensure that your personal and financial information is safe and secure. And, we also encourage you to become an informed and vigilant consumer who will be knowledgeable in protecting your finances and identity, as well.

Protect Your Identity. Protect Your Finances.

Remember, Hickam FCU will never contact you in an unsolicited manner by email, text message, or phone and ask for your logon or security credentials such as your username and password or other confidential and personal information.

If you suspect that you may be a victim of this type of activity, do not respond. Please call us immediately at 808-423-1391 (Oahu) or toll-free 800-432-4328 (Neighbor Islands & Continental U. S.) to report the suspicious activity.

There may be times when Hickam Federal Credit Union will contact you in an unsolicited manner, but only for the following reasons:

• To notify you of suspicious or fraudulent activity on your account;
• To notify you that your account is inactive or dormant;
• To confirm changes to your online banking profile;
• To request or confirm updated contact information such as a change in address or phone number; or
• To notify you of changes or a disruption in services.

If you receive an unsolicited call from us, we will verify your identity through a series of security questions or statements. And, we will never ask for personal information that we should have on file such as your social security or account numbers.

Avoid Becoming a Victim.

As a credit union member, you now have several educational resources to help you recognize common fraudulent schemes and learn how to protect your identity and finances from scam artist and identity thieves through the National Credit Union Administration’s (NCUA) Fraud Prevention Center and other government sites.

NCUA is the independent federal agency created by the U.S. Congress to regulate, charter and supervise federal credit unions. With the backing of the full faith and credit of the United States, NCUA operates and manages the National Credit Union Share Insurance Fund, insuring the deposits of more than 102 million account holders in all federal credit unions and the overwhelming majority of state-chartered credit unions. At MyCreditUnion.gov and Pocket Cents, NCUA also educates the public on consumer protection and financial literacy issues.

Frauds and Scams

Be on the alert. Stay informed. Fraud is committed when someone intentionally deceives another by gaining access to their financial account and tricking or cheating them out money and valuables. Protect yourself against fraud and scams and learn about the different types of scams that are being used to deceive members into revealing their personal information. Also, visit the Federal Trade Commission's website for the most recent scams in the news.

Prevent Identity Theft

Identity theft occurs when someone uses your name, Social Security number, account information, credit card numbers, and other personal information to illicitly commit fraud and other malicious crimes. Learn how to protect your identity and keep your personal information secure.

Online Financial Safety & Privacy Tips

Stay safe online. And, be smart online. Secure Your Computer. Protect Your Kids. Be CyberAware. In this day and age of the internet and mobile devices, it has become easier to bank, research products and services, shop, and communicate online. But with this convenience comes the dangers of scams, hacking, and identity theft. It is important to secure your computer and mobile devices. And learn how to protect your kids online and limit those unwanted calls and email.

Scams Targeting Older Adults

Avoid insurance, funeral expense, tele-marketing, Internet, investment and mortgage scams. Fraud schemes targeting the elderly are increasingly preying on this vulnerable segment of our population. Protect yourself and family from fraud targeting senior citizens.

Understand Your Privacy Rights

Credit unions like all financial institutions that handles a consumer's financial activities must send privacy notices that explains how they handle and share personal financial information. Understand your Privacy rights.

Consumer Protection Update

Visit the Consumer Protection resources for credit union members for the latest security and privacy tips.

What to Do If You Become a Victim?

Taking quick action can help to overcome and minimize some of the difficulties caused by Identity Theft and fraud to your financial account and reputation. Here are some quick actions that you should take right away if you become a victim:

1. File a police report with your local police department and obtain a copy of the report.
2. Keep a log of all conversations, dates, names, phone number of the agencies you have contacted, time spent, and expenses incurred.
3. Confirm your conversations in writing. Send correspondence by certified mail and return receipt requested. Keep copies of all documents.

4. Contact the Federal Trade Commission (FTC) to report the situation. Provide the FTC with your police report number and obtain a uniform affidavit form from them. You can also report the situation to the local office of the Federal Bureau of Investigation (FBI) or the U.S. Secret Service.

   Telephone number: 1-877-ID THEFT or (877) 438-4338
   Web: www.consumer.gov/idtheft

5. Contact the fraud units of the three principal credit reporting agencies. Request that a fraud alert be placed on your file for 7 years (normally only 3 - 6 months).

   Request for a copy of your credit report (one free annually).

   Equifax: (800) 525-6285
   Experian: (888) 397-3742
   Trans Union: (800) 680-7289

6. Contact your present financial institution to notify them of your Identity Theft situation. Protect your accounts with access only through a password. Let them know to contact you immediately for any attempts to access your account without the password. Close any accounts that have been compromised.
7. After you have received your free copy of the credit report, contact all the creditors with whom your name or identifying data have been fraudulently used to establish accounts without your knowledge. You may need to cancel those accounts, place stop-payment orders on any outstanding checks that may not have cleared, change your Debit or ATM cards, and change you Personal Identification Number (PIN).

8. Contact major check verification companies if you have had bank accounts set up by the identity thief or checks stolen. Determine which check verification company that the financial institution or merchant uses:

   ChexSystems: (800) 428-9623
   TeleCheck: (800) 710-9898
   CheckRite: (800) 766-2748
   CrossCheck: (800) 522-1900
   National Processing Co.: (800) 526-5380
   SCAN: (800) 262-7771
   Equifax: (800) 437-5120

9. You may also need to contact other agencies for other types of Identity Theft.

   Contact your local Postmaster and the Postal Inspection Service if the fraud was committed by use of the mail involving your identity. Call the U. S. Postal Office to obtain the phone number. (800) 275-8777 or through the Web.

   If the Identity Theft involved the use of your Social Security number, call your local office of the Social Security Administration to report the fraudulent use and to determine whether you fit their fraud victim criteria before ordering a change in your Social Security number.

   Whether you have a passport or not, write the passport office to alert them to anyone ordering a passport fraudulently.

   Driver’s License number misuse. You may need to change your driver’s license number if someone is using yours as identification on bad checks or for other types of fraud. Call the local office of the Driver’s License at (808) 532-7700 or go to the Satellite City Hall nearest to you.