DUCA’s online banking system is built upon a robust security framework so Members’ accounts and information are kept safe from unauthorized access. The following are some of the measures in place for online protection:
- Increased Authentication: Increased authentication is one of the best ways to reduce the risk of unwanted access to an online account. The Member is required to select personal answers to security questions. Once the questions are set up, when access is attempted from an unrecognized device or computer, the system prompts the user to answer a security question before granting access. Failure to answer correctly after a few tries shuts out the user from further attempts and access is denied until re-instated by DUCA.
- Encryption through SSL Technology: Secure Socket Layer (SSL) technology encrypts information as it moves from a Member’s computer or device to our online banking system ensuring a secure connection between a user and our banking site.
- Account Alerts: Members may choose to receive alerts by email or text whenever their account is accessed for example, when log-in information is changed, if an additional payee or e-transfer recipient is added, and more. Alerts exist to ensure Members are aware of changes and can react quickly if they are not the one who initiated the change.
- Multiple Levels of Security: Firewalls and multiple levels of server security are in place, internally and externally, to protect our online environment.
- Use of a Personal Access Code (PAC): A PAC is your password to enter your online banking. (This is different from the PIN number used at ATMs or with a debit card at a point of sale.) The following best practices will protect your PAC:
o Choose a PAC that is different from your other passwords.
o Don’t include the numbers or symbols used in your PIN for ATMs or debit card purchases.
o Make sure your PAC is easy for you to remember but difficult for others to guess.
o Don’t share your PAC.
o Don’t write it down.
o Don’t store it on your computer or device.
o Don’t disclose your PAC in a voice mail or email.
o When you input your PAC, shield it from others.
o Change it regularly.