Vocal Credit Union takes the safeguarding of your funds and your personal information very seriously.

Here are some things that you can do to help protect your information – 

  • Avoid writing paper checks. When you write a paper check, you are handing someone all of your account information AND your signature.  To help safeguard your information we suggest using your Vocal debit or credit card, or our online bill pay service.
  • When you use your debit card, run it as a credit.  The legal protections for credit card fraud is stronger for the member and the credit union.  The funds will still be deducted immediately from your transactional account.
  • Check your account activity regularly.  You know your account better than anyone.  You should reconcile your account monthly, and check the account activity frequently.
  • We offer our member e-LERT.  Set up e-LERT for notifications of withdrawals, deposits, and/or when your balance gets low. With Vocal’s e-LERTS you get to set them up the way you want. This is all free, and it will keep you informed about what is going on in your account.
  • Access your online Vocal account through a preset bookmark rather than clicking email links or typing in the web address.  Avoid clicking on links, because they could potentially be infected with Malware or are look-alike phishing sites.
  • Vocal Credit Union offers on-line home banking and a mobile app for your phone.  We use multi-factor authentication for online banking. If you are doing on-line banking, when you sign in you should be using two-factor authentication. That means that in addition to a password, you will need another code of some kind to verify your identity.
  • Check your credit reports regularly.  You are allowed one free credit report per year.  Vocal Credit Union suggests using the following website to get your free credit report: http://www.Annualcreditreport.com
  • Consider placing a credit freeze on your data.  This could be a problem if you are in the middle of trying to get a loan or another line of credit, but it is a good precautionary measure and easy to do.  Go to: https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs
  • Consider purchasing credit monitoring and ID theft recovery services.  Vocal Credit Union does not offer these services, but you may find that you have coverage through an insurance policy.  These services typically do not cover your losses, but rather provide a layer of protection that can help you recover stolen money.

In addition to the safety gained through these tips, each of our members’ funds are protected and insured up to up to $250,000 by the National Share insurance Fund (NCUSIF).  You can find out more at – https://www.mycreditunion.gov/Protect/pages/si.aspx

Don’t hesitate to talk with your children and other family members about the importance of safeguarding your information.  If you wish to talk with a Vocal representative about any of these items please give us a call at 406-442-1421 in Helena or 406-547-3265.