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Regarding Recent Scam Activity: A Letter from the President and Chairman.
Read Letter
Mazuma
has dedicated itself to keeping all Member information confidential
by having the most secure system available. We go to great
lengths to ensure security will not be breached on our online
banking system, Online Teller, and within each branch. You
can always use our system with confidence.
Please read below
for details pertaining to our comprehensive security measures
and for information on how to avoid or report Internet and
e-mail scams.
Are you a victim of Phishing, or do you want to know more about it?
What
type of security is used by Online Teller?
Can
anyone from the "outside" access the Credit Union's
database?
What
is encryption?
How
secure is my personal account?
What
Internet scams should I watch out for?
How
do I report fraudulent Internet scams?
How
can I keep updated on the latest scams and viruses?
What
type of security is used by Online Teller?
Online Teller uses an integrated security system
to protect your account data from exposure to unauthorized
persons. This system is a three-tiered security policy that
governs all aspects of your Online Teller service. Each tier
governs a unique aspect of your Online Teller session and
transactions with Mazuma. These policies form a rigid security
implementation that enables Members to conduct business with
the Credit Union via the Internet with an extremely high degree
of security.
Can
anyone from the "outside" access the Credit Union's
database?
At no time does anyone from the outside have access to the
Credit Union's database via the Internet. Any and all requests
for data must pass through two distinct validation and control
centers. Each request and answer is logged at each stop through
the firewall. Additionally, any suspicious activity is logged
and causes an alarm.
What
is encryption?
Encryption occurs for all information passing between
both you and Online Teller. Plainly stated, encryption is
"mumbo jumbo." Encryption takes meaningful text
and numbers and scrambles them into numerical nonsense before
transmitting them across the Internet. This process uses complex
mathematical formulas to create a key that is used to translate
the "mumbo jumbo" nonsense back into meaningful
data. There are billions of potential keys, and a different
one is used for each online session with Online Teller. The
key to be used is established when the online connection is
made between your computer and Online Teller. Each session
uses a completely different key!
Encryption is a major reason why we can offer you Online Teller.
Basic encryption involves the transmission of data from one
party to another. The sender encodes the data by scrambling
it, and then sends it on to the receiver. The receiver must
decode the data with the correct "decoder" in order
to read and use it.
Your computer, as well as our computer system, recognizes
the mathematical formulas of the encrypted messages during
transactions. The more powerful computer system you have,
the higher level or grade of encryption you can use.
128-bit encryption is a very secure form of encryption and
is required for Online Teller.
How
secure is my personal account?
Your personal account also has an additional two-layers of
security surrounding it - your PIN (personal identification
number) and your account number. Both are individual codes
specific to your account only. Additionally, the Online Teller
system will automatically lock access to your account should
five unsuccessful attempts to access your account be made.
What
Internet scams should I watch out for?
Phishing is the latest Internet scam cons are
using to attack consumers through e-mail. Fraudsters send
you an e-mail that looks like it's from an official source
like a financial institution, credit card company or government
agency. Cons will typically use logos of these organizations
in phishing e-mails to make them look legitimate, but they're
not. A real financial institution or government
agency will never ask for unsolicited personal or financial
information.
Here is an example
of a phishing e-mail:
If you believe
you may have already provided a "phisher" with information,
contact your financial institution; the three credit bureaus:
TransUnion, 1-800-680-7289, Equifax,
1-800-525-6285 and Experian, 1-888-397-3742;
and file a complaint with the Federal Trade Commission at
1-877-382-4357 or www.ftc.gov.
How
do I report fraudulent Internet scams?
You can start by filing
a complaint with the Federal Trade Commission at 1-877-382-4357
or www.ftc.gov. Also, each
state's attorney general's office has complaint forms to report
this activity locally. To file in Missouri go to: http://www.ago.mo.gov/consumercomplaint.htm,
for Kansas go to: http://www.accesskansas.org/ksag/Divisions/Consumer/main.htm.
If there was a
crime committed, you can report it to Internet Fraud Complaint
Center, which is a partnership between the FBI and the National
White Collar Crime Center, at http://www.ifccfbi.gov/index.asp.
How
can I keep updated on the latest scams and viruses?
There are many informative sites on scams and
viruses, including:
Internet Fraud Complaint Center: http://www.ifccfbi.gov/index.asp
This center is
a partnership between the FBI and the National White Collar
Crime Center. Check out its press room for the latest warnings.
Virus Bulletin: http://www.virusbtn.com/
This is an independent
organization that provides anti-virus advice.
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