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1. What is Internet Security?

The Internet has changed the way financial institutions do business. Internet banking provides convenient access to information and the ability to perform transactions from home, work or other locations. It is important to be aware that when you communicate via the Internet, other people and software can also communicate with your computer. An inadequately protected computer can be accessed by an unknown party or a virus in a very short period of time.

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2. What we are doing to protect your security.

We take many precautions to protect the online banking environment and ensure your information is safe. MemberDirect^® Online Services offers you the best security currently available in a commercial environment so that your personal and financial information is protected while in transit between your computer and our server. This is done through the use of industry standard security techniques such as encryption. Encryption ensures that information cannot be read in transit or changed by scrambling the data using a complex mathematical formula. Some browsers can create a more secure channel than others, owing to the 'strength' of their encryption.

We use only the strongest channel available - referred to as 128-bit SSL (Secure Socket Layer). If you have a browser that only supports 'weaker' encryption such as 40-bit or 56-bit SSL, you will need to upgrade your browser before using our site. The longer and more complex the 'key' is, the stronger the encryption. The 40 and 128 refer to the length of the key. Since 128 is longer, than 40, it is more secure. According to Netscape, 128-bit encryption is trillions of times stronger than 40-bit encryption.

We also ensure that only individuals who provide an authentic Personal Access Code can access your account information. To help you protect your information your online banking session will end automatically if there has been no activity for 15 minutes.
Access to our databases is strictly managed and systems are in place to ensure security is not breached, including the physical security of our computer hardware and communications.

For more information on the specific policies and practices that we use to safeguard your personal and financial information, please click here to view our Privacy Statement.

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3. What you need to do to protect your computer and PAC.

Just as you play a vital role in ensuring the security of your home and your possessions, you too share in the responsibility for ensuring that your personal information is adequately protected.

In order for us to ensure that only you are accessing your accounts, we need a unique way of knowing that it's you. Just as the key to your home protects unwanted entry, the online banking 'key' - your Personal Access Code (PAC) - ensures that only you can access your accounts.

It is your responsibility to ensure that your 'key' to the MemberDirect^® site is protected. Please observe the following security practices:

• Select a PAC that is easy for you to remember but difficult for others to guess.
• Do not select a part of your PIN (your ATM 'key') or another password.
• Keep your PAC confidential and do not share it with anyone.
• Do not write your PAC down or store it in a file on your computer.
• Never disclose your PAC in a voice or email, and do not disclose it over the phone.
• Ensure no one observes you typing in your PAC.
• Change your PAC on a regular basis. We suggest every 90-120 days.

We have provided a secure channel for our owners to communicate with us. Once the information has reached your computer, it's up to you to protect it. To protect your information, you should:

• Never leave your computer unattended while using our online banking services.
• Always exit the MemberDirect^® site using the logout button and close your browser if you step away from your computer. Your browser may retain information you entered in the login screen and elsewhere until you exit the browser.
• Prevent the browser from caching (storing) the pages that you view by using the Enhanced Security feature located on the login screen. We strongly recommend that you use this feature if you are accessing the MemberDirect^® site from a shared computer, such as at a friend's house or through a publicly-accessible computer, such as at a library or airport.
• Secure or erase files stored on your computer by your browser so others cannot read them. Most browsers store information in non-protected (unencrypted) files in the browser's cache to improve performance. These files remain there until erased. They can be erased using standard computer utilities or by using your browser feature to "empty" the cache.
• Disable automatic password-save features in the browsers and software you use to access the Internet.
• Install and use a quality anti-virus program. As new viruses are created each and every day, be sure to update your anti-virus program often. It is recommended you update anti-virus definitions weekly. Scan all download files, programs, disks and attachments and only accept files and programs from a trusted source.
• Install and use a personal firewall on your computer to ensure others cannot access your computer through the Internet.
• Install new security patches as soon as your operating system and Internet browser manufacturers make them available.
• Install an anti-spyware program and check your computer regularly.

You should be extra vigilant when using publicly available computers. Even if you adopt the tips above to protect your information, you need to bear in mind that even benign programs, like popular desktop search programs, can pose a security risk. Certain programs, such as Google Desktop, cache items that you have viewed so you – or potentially, an unwelcome third party – can easily search and find those pages again later.

If you come across a program like this when you are using a public computer, using the Enhanced Security feature located on the login screen will not stop these types of programs from caching the pages you view. You can adjust the search program preferences so it does not store secure pages you wish to view. If you forgot to adjust the preferences before banking online, you can remove the stored items via the Google Desktop results page by clicking on the Remove items link.

To learn more about browser security, please visit the Netscape and Microsoft web sites. To ensure a safe and secure Internet session, only visit reputable sites. If you visit any questionable web site before MemberDirect^®, we recommend you close your browser and restart it before proceeding to MemberDirect^®.

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4. Fraud: Recognize it. Report it. Stop it.

Electronic identity theft can occur when you respond to a fraudulent email that asks for your personal banking information. Armed with this information, a person may be able to access your accounts or establish credit, pay for items or borrow money using your name. You can help protect yourself from electronic identity theft by following some simple precautions.

• The easiest way to tell if an email is fraudulent is to bear in mind that we will never ask you for your personal passwords, personal information numbers or login information in an email.
• When banking online, check the address of any pages that ask you to enter personal account information. In the toolbar at the top of the page any legitimate Internet banking web site will begin with 'https' to indicate that the page is secure.
• Look for the padlock found in the lower right corner of your screen. If the page is legitimate, by clicking on the padlock, you can view the security certificate details for the site. A fraudulent site will not have these details.
• Type in our web address yourself to ensure you are transacting with our server.
• Check your bank and credit card statements regularly to ensure that all transactions are legitimate.

Contact OMISTA Credit Union immediately if you suspect someone has gained knowledge of your PAC/PIN, or if you suspect any loss, theft or unauthorized use of your account.

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5. Your Privacy is Important to Us.

At OMISTA Credit Union we are committed to protecting your privacy and safeguarding your personal and financial information. While the Internet is revolutionizing the way that we do with business—providing convenient access to financial services from your home or office— we also recognize that it may bring legitimate concerns about Privacy and Security.

This Privacy Statement describes how your personal information is collected, used and disclosed within our MemberDirect^® Internet banking site. The MemberDirect^® site is the area of our website that requires you to use your Member ID and Personal Access Code (PAC) to enter.

Please note that this statement does not refer to the policies and practices of our public website. Please click here for more information on the policies and practices of our public website (the area of our website that does not require the use of your Member ID and Personal Access Code (PAC) to use).

For more information on all of our corporate Privacy Policies and Practices please click here to view our corporate Privacy Code.

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