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FAQ Cyber Security

FAQ: Cyber-Attack Protection > Protecting Yourself

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What is Phishing?

Phishing (pronounced "fishing") is a type of online identity theft.  Hackers create fraudulent emails, chat boxes, pop ups, and fake websites to steal your personal information, like credit card numbers, passwords, account data, or other information. You may even receive fraudulent phone calls. Phishing is an example of social engineering that is designed to deceive people by pretending to be from a trustworthy source.  Sometimes the fake website or email will look almost identical to the legitimate one.

How do I know if a communication I receive from WPCU is legitimate?

Hackers are clever, and they are becoming more sophisticated with newer technology. You can tell if the communication is fraudulent by what it's asking you to do. Hackers are trying to get your personal account information like logins/passwords, account numbers, etc.  So if you are asked for anything like this you will know someone is trying to steal your hard-earned money!

WPCU will never ask you to do any of the following:

  • Directly link to Online or Mobile Banking or provide links to websites to authenticate your information.Update your computer with newer releases of software or latest versions of browsers.
  • Contact you via email, phone, or text asking you to log in and update/validate your credentials.
  • Enter your personal account information directly in to an email, chat box, pop up message, etc.
  • Respond to an email, chat box, or pop up message with your personal account information
  • Threaten to close or suspend your account if you do not take immediate action and provide your personal account information.
  • Request your personal account information because your account has been compromised.

Tips for protecting yourself:

  • Always review your account activity often by logging in to Online or Mobile Banking.
  • If you receive an unprofessional or copied message claiming to be from WPCU or another financial institution, contact WPCU or your other financial institution directly at a known phone number to verify the message is real.

What should I do if I receive a suspicious communication from WPCU?

If you're suspicious don't click on or reply to the message. Also don't fill out any information. Just delete the email or text. If you receive a phone call, inform the person on the other line that you do not feel comfortable giving out your personal information at this time and that you will be calling WPCU immediately. If you entered or gave out information about one of your WPCU accounts call us at (937) 912-7000 or (800) 762-0047 or visit your nearest Member Center.

What has WPCU done to keep my financial information secure?

WPCU's Online and Mobile Banking system exceeds the Federal Financial Institutions Examination Council (FFIEC) requirements.

As technology becomes more sophisticated, so do the hackers. WPCU has responded with an Online and Mobile Banking system with first-rate multi-factor authentication that makes it even harder for hackers to access your account.

When first logging in, you'll register your email and your mobile/landline phone numbers where we can send you an access code to verify your identity for future logins. This adds an extra layer of security. For someone else to gain access to your account they will now need access to both your login and password, as well as your phone.

You can also choose to register your computer as public or private. When you register your computer as private, it allows you to log in using only your username and password from that point on. Registering your computer as public (ex. library computer) will require you to go through the authentication process each time you log in, for your security.

For more information on how you can avoid being a victim visit the WPCU Fraud Protection page.

Keep more of your hard-earned money. Check out our other websites:

Respect Your Money - Young Today, Money Smart TomorrowFraud Awareness - Protect Yourself From FraudWright 4 You Mortgage - A Perfect Fit

Any links to external websites are links to alternative sites not operated by WPCU. WPCU is not responsible for the content of the alternate site. The privacy and security policies of the alternate site may differ from those practiced by WPCU. WPCU does not represent you or the third party if you enter into a transaction with the third party.

Wright-Patt Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 762-0047 or by clicking here. All products and services available on this website are available at all Wright-Patt Credit Union branches.

View the WPCU Privacy Policy

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