Security Statement

Pioneer Credit Union is committed to ensure the confidentiality of your online transactions. Our financial products incorporate built-in security features for safeguarding your accounts and the information you transmit to us during an online session.

Security Features

Data Encryption

For your protection, we require 128-bit Secured Socket layer (SSL) strong encryption during your online sessions. Encryption is a sophisticated way of scrambling all information transmitted online before it leaves your computer, so that all information, including passwords and online bill payments are completely unreadable by unauthorized third parties. No transactional information will be transmitted without first being encrypted. We require that your web browser support 128-bit encryption because it is more effective than 40-bit encryption. While 40-bit encryption might be fine for low risk transactions, it is not adequate for protecting financial transactions.

When you supply data via the Internet, it is encrypted before it travels from your PC to our host computer. We decode and process the data at our end. When we provide data to you, it is encrypted at our end, and sent to you. When you receive it, your browser decodes the information and displays it to you.

You can ensure that your online information is encrypted in Netscape if the small key or lock at the bottom left-hand corner of your screen is unbroken. For Microsoft browsers, a lock appears on the bottom right of your screen during an encrypted session. You can download the 128-bit encryption patch for Internet Explorer at http://www.microsoft.com/windows/ie/download/128bit/default.asp. For Netscape go to http://help.netscape.com/kb/consumer/19970621-7.html for instructions on how to upgrade your browser to 128-bit encryption.

Firewalls

In addition to encryption, all data sent to and from your PC must pass through a series of hardware and software firewalls. These firewalls authenticate the sender and receiver, ensuring you and only you have access to your account. Firewalls also prevent unauthorized access into Pioneer Credit Union's host computer system.

Approved Browsers

Individualized Password

When you enroll for the PCU@Home service, you will be provided with a temporary PIN. For security reasons, the first time you log on to PCU@Home, you will be asked to change your temporary PIN. You can change your PIN as often as you like when you logon for a session.

Timed Logoff

If you forget to logoff, we do it for you by terminating your session after 15 minutes. You will be required to login again to begin another session. This built-in safeguard protects your account information from unauthorized access in the event you are called away from your computer during an online session, or forget to logoff at the conclusion of your session.

Your Responsibilities

• Each of the foregoing security features is designed to protect confidentiality of your online transactions and account information. You are also responsible for adhering to the following secure practices.
• NEVER reveal your PIN and account number to anyone.
• NEVER leave your PC unattended during a session.
• When you are finished with a session, be sure to LOG OFF by clicking the EXIT button in the upper right hand corner of the screen before visiting other web sites.
• Report known instances of unauthorized account access to us immediately.
• NEVER use email to transmit any financial information. Messages sent in this manner are not encrypted.
• Use the encryption features of your browser. You may be required to upgrade your browser to 128-bit encryption.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you representing himself as a credit union employee and asks for your account number, DO NOT GIVE IT OUT. Credit Union employees will have access to your information and will not need to ask for it.
• It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.