In the unlikely event that you experience a loss resulting from a transaction through online banking that you did not authorize, we offer an Online Banking Security Guarantee for account losses, provided you have met your security responsibilities.

Member Security Responsibilities.

To ensure that you are doing your part in protecting yourself from online cybersecurity fraud, you are responsible for ensuring the following:

1. Use a Firewall; Windows has a firewall already built in and automatically turned on.
2. Keep all software up-to-date; Make sure to turn on automatic updates in Windows Update to keep Windows, Microsoft Office, and other Microsoft applications up to date. Turn on automatic updates for Non-Microsoft software, especially browsers, Adobe Acrobat Reader, and other apps you regularly use.
3. Use antivirus software and keep it current; If you run Windows, you have Windows Security or Windows Defender Security Center installed on your device.

Tip: If you're a Microsoft 365 Family or Personal subscriber, you get Microsoft Defender included with your subscription at no extra charge. It helps protect all your devices - Windows, Mac, Android, and iOS. For more information, see ‘Getting Started’ with Microsoft Defender.

4. Make sure your passwords are well-chosen and protected; Password length is a primary factor in characterizing password strength. To strengthen the security of your online information, ensure your passwords are a random mix of at least 14 to 16 characters, including letters (upper and lower case), numbers and special characters. Never write your passwords down; instead, you should memorize your passwords or use a password storage tool such as LastPass™. Never share your passwords! If someone needs to support you with your banking, you can make arrangements with the Credit Union to add them to your account, and they will be provided with their login details to MDI.
5. Don’t open suspicious attachments or click unusual links in messages; They can appear in emails, tweets, posts, online ads, messages, or attachments and sometimes disguise themselves as known and trusted sources.
6. Browse the web safely; Avoid visiting sites that offer potentially illicit content. Many of these sites install malware on the fly or offer downloads that contain malware. Use a modern browser like Microsoft Edge, which can help block malicious websites and prevent malicious code from running on your computer. Never use public WIFI to access sensitive websites such as MDI. Cybercriminals can use unsecured Wi-Fi networks to spread malware to other devices on the network — especially if those devices aren't up to date.
7. Stay away from pirated material; Avoid streaming or downloading movies, music, books, or applications that do not come from trusted sources. They may contain malware.
8. Don't use USBs or other external devices unless you own them; To avoid infection by malware and viruses, ensure that all external devices either belong to you or come from a reliable source.

If you suspect that your computer or phone has been hacked. Immediately change your passwords related to how you access your computer, email, any online accounts, and log out of all online accounts and disconnect from the internet. Next, take your computer to a reputable service provider who will use various diagnostic tools to detect and eliminate malware and computer viruses.

You must promptly, within 24-hours, report any financial losses that you believe result from cybercrime to the Credit Union. For us to place a claim with our Cybersecurity Insurer, a diagnostic must be performed, and the provider of the diagnostic testing must attest that you have been operating your computer with an up-to-date operating system and have malware and antivirus software installed.