Fraudsters and skimmers, oh my!

Related imageSkimmers are sneaky little devices, which fraudsters affix to ATMs or other machines that accept credit or debit card transactions. The skimmer then secretly swipes your card information whenever you slip your card into the affected machine. These pesky gadgets have been around for years. But thieves are continually improving them and their usage doesn’t seem to stop!

Recently, a credit union in Washington reported an increase in card fraud because of a skimmer thought to be located at a nearby gas station. Wauna Credit Union can take steps to prevent and detect skimmers placed on our own ATMs and ITMs. But it is impossible for us to protect all of our members from skimmers elsewhere.

However, we won’t let you face the skimmers of the world unarmed. So, here are some tips and tricks on how you can take extra precaution when using your card at an ATM or other machine and avoid these irksome skimming devices:

  • When you can, use ATMs, ITMs, and gas pumps that are familiar. The more routine the visit to the machine is, the more likely someone has been checking regularly to detect potential issues.Image result for skimming device
  • Look for evidence of tampering! For example, some gas pumps will place a security seal over the portion of the gas pump that controls the card reader. A broken seal a strong indication that the card reader has been tampered with.
  • Is the gas station unfamiliar to you? try comparing the card reader at your pump with card readers at other pumps. If there is a discrepancy, pay inside, use a different pump, or find a different gas station. An extra minute or two could save you a huge headache.
  • When possible, run the transaction as a credit transaction instead of a PIN transaction.
  • If using an ATM that is located inside of a convenience or grocery store, look for evidence of tampering. Ways to detect a skimmer include lightly pulling on the card reader and pin pad to ensure neither easily detach from the machine and by paying attention to colors and graphics on the machine that appear to be different than what should be expected.
  • Pay attention to anyone who appears to be loitering or otherwise hanging around a machine with no visible purpose. If this is the case, use a different machine. Report the suspicious person to the business. Always ensure you are covering the PIN pad when typing in your PIN number.
  • Regularly monitor credit card and account statements and look for discrepancies. By keeping an eye on your statements and creating alerts in online banking for unusual activity, you proactively fighting fraud. Contact us right away if something seems out of the ordinary.

Making sure that you are aware of how to detect skimming devices can go a long way towards keeping you and your finances safe.

U-Banking: What you need to know

Dear Valued Member,

In our efforts to bring you the best possible online banking experience, Wauna Credit Union is upgrading our online and mobile banking solutions. The new system, U-Banking, will be available on Monday, May 14th.

With this enhancement comes more flexibility, reliability, and control for you, but it also comes with important changes that will temporarily affect the way you use online and mobile banking. We’ve summarized these key points below and suggest that you keep this summary on-hand for quick future reference.

So, what can I expect?

  • The upgrade means that Online and Mobile Banking access will be unavailable starting at 6:00 am PST on Friday, May 11th until service is restored by 9:00 am on Monday, May 14th. The WaunaCU mobile app will be available in Apple and Google Play app stores same day.
    • On May 14th, you will need to download a new mobile app, which can be found by searching “WaunaCU” in your app store.
  • Bill Pay will be unavailable May 10th through May 14th. Not to worry! Your payees will transfer over and we will ensure all scheduled payments are paid during the conversion.
  • If you use the Account Alerts feature, this will need to be set up in U-Banking. These alerts might include: balance updates; scheduled transactions; large deposit; low balance; large withdrawal; check cleared; loan payment due reminders; loan payment overdue reminders; personal messages; or maturity date reminders.
    • Any notices (delinquent loan, overdraft, or certificate of deposit maturity) that you were receiving in online banking will now be mailed.
  • When you first log in to the new U-Banking service, you will no longer use your current password. You will initially enter your Account Number as the login ID, and then the last 4 numbers of the primary account holder’s Social Security Number as the password. Once you complete this initial login, you will be prompted to create a new login ID and password.

NOTE: If you have trouble logging in to online banking with the information provided and have also not logged in to online banking within the last six (6) months, you will need to contact us at (800) 773-3236 to receive login information.

NOTE: If you are the primary user and have a joint owner on your account who would like to use U-Banking, we recommend the following: After the primary member is set up and you are inside U-Banking, there is a new feature under “Additional Services” called “Share Access with Others”. The primary can permission the joint owner to use U-Banking, which will send an email to the joint owner with a temporary username and password. The joint owner may then log in to U-Banking with their temporary username and password where they will be prompted to change their username, password, and multifactor authentication credentials.

  • If you already have pre-scheduled transfers/payments prior to May 10, these will continue to transfer as usual. You will not see these items within online banking, though they will continue to transfer to our core processing system. Once U-Banking is live on the 14th, all future scheduled transfers and payments will need to be set up in U-Banking.
    • If you would like to see and manage your scheduled transfers in U-Banking, contact our Virtual Branch at (800) 773-3236.
  • Quicken® and QuickBooks® download history will be turned off and no longer available starting May 10th by 7:00 am. You will receive a separate letter with instructions on how to connect Quicken® or QuickBooks® to U-Banking.
  • The “memo” option for transfers will be unavailable – although we may continue this service in the future.
  • If you are a Money Desktop (MX) user, all information stored in MX will not convert during this upgrade and you will need to start over in U-Banking.

What actions should I take prior to May 14th?

  • Ensure that we have your current contact information on file so you do not miss any important reminders or notifications.
  • If you have bills due while Bill Pay is unavailable from May 10th to May 13th, be sure to schedule those bills for payment prior to May 10th to help ensure that they are paid on schedule. However, rest assured that we have systems in place to confirm any bill payments you have pre-scheduled to post during this timeframe will be paid on schedule.
  • Visit waunafcu.org/about/u-banking.shtml to troubleshoot and learn more about U-Banking.

While we are confident that this new service will greatly enhance your overall online banking experience, we apologize for any short-term inconvenience the upgrade may cause you. We are here to answer any questions, so please contact us at (800) 773-3236.

Sincerely,

Robert Blumberg Signature

Robert Blumberg, President & CEO
Wauna Credit Union

Wauna Credit Union is now serving cannabis-related businesses

We are now offering compliant, transparent banking services to cannabis-related businesses within our field of membership.

So, what does this mean?

It means that we have a responsibility to ensure that our services and practices are in-line with the credit union philosophy of “People Helping People.” We looked at the 25,000 members in multiple communities across a swath of cities and counties that we now serve, and knew that cannabis-related businesses are now established in all. By allowing cannabis-related businesses to have legitimate financial services, we are helping improve the safety and security of our members and the areas in which they live are.

Cannabis-related businesses often deal in cash-only transactions and so generally have large amounts of cash on-hand. Such circumstances can lead to an increase in crime or other dangerous activities. That being said, offering legal and compliant banking solutions to these businesses just makes sense to us – we are getting that cash off the streets and into a safe place.

“Serving the CRB industry, we become part of the solution and not part of the problem. The CRBs have difficulty forming banking relationships due to the limited number of credit unions and banks serving this industry. Providing banking services to this industry legitimizes these businesses. It also adds an element of safety and security to all of us that live and/or work in the community, which is in all of our best interests.”
— Robert Blumberg, CEO and President of Wauna Credit Union.

In addition, cannabis-related businesses are now legal businesses in Oregon and Washington. Those who choose to work in this field deserve to be treated fairly, and not required to hide the source of their money.

But it doesn’t mean we are taking this decision lightly. The cannabis industry possesses unique banking challenges. Cannabis is still illegal on a federal level and so Wauna Credit Union must adhere to many strict state and federal laws and policies.

We are covering our bases. We’ve assembled a specialized department to handle all due diligence and account opening for these accounts. An Oregon attorney is working with us to guarantee this program and the businesses with CRB accounts are fully complying with state law. Wauna Credit Union has zero tolerance for any type of deception or illegal activity. Accounts not complying with state and federal regulations will be closed immediately.

A safe community is a sound community, and Wauna Credit Union will continue to do what we can to see that we are contributing to bettering the places where we live and work. This sometimes requires making difficult decisions, sacrifices, and other changes. But if that means making things safer for the people we serve, then we are making the right decision.

Inquiries regarding Wauna Credit Union’s Cannabis Business Solutions account applications and opening procedures can be made at 800-773-3236.

Media inquiries may be directed to our Chief Marketing Officer Debi Smiley at 503-728-6116.

Wauna Credit Union Announces New Board of Directors

Every year Wauna Credit Union celebrates our members, and the community formed when people are the main focus of a financial institution.

This year was extra special for us, as it was the 50th time Wauna CU has met in such a way. While 50 years is definitely an accomplishment, and something we are proud of, the highlight of the meeting was announcing the results of the elections for our board of directors. This year three members of our community were elected to the board. We’re lucky enough to have two returning board members Bill DeJager and Lester Kahr, who have already done so much to help Wauna Credit Union continue to serve the residents of Clatsop County, Columbia County and Western County in Oregon and Pacific County in Washington. We are also very excited to announce one new member of the board Erick Holsey. The 2016 Board of Directors poses

About the Elected Members

  • William “Bill” DeJager
    Bill has served on the WCU board for five years. He is a lifelong resident of Oregon. He attended Clackamas High School, Oregon State University and earned a PHD in Economics from Portland State University. He is married to Sheila, a high school classmate, and has two daughters and three granddaughters. He is retired from the Air Force and Air National Guard. Sheila is a retired CPA, and both enjoying retirement, tending their farm and active in volunteer activities. He currently serves on the Columbia County Planning Commission, and previously served on the Mist-Birkenfeld Rural Fire Protection District Board, the Upper Nehalem Watershed Council Board and the Columbia Soil and Water Conservation District Board.
  • Lester Kahr
    Lester has been on the Wauna Federal Credit Union Board for 12 years, acting as 1st Vice Chair, 2nd Vice Chair and the following committees: Policy, CEO Evaluation, Finance, Security, Buildings and Nominating. He has completed 30 Credit Union National Association (CUNA Volunteer Achievement Program modules and attended Credit Union Association of Oregon Educational Conferences. He previously served as AWPPW Local #153 Shop Steward, Executive Board member, Trustee, Vice President and Bargaining Board.
  • Erick Holsey
    Erick is a longtime resident of Clatskanie, a graduate of Clatskanie High School, US Army veteran and currently employed at Clatskanie Fire District. He has a Bachelor of Science in Fire Service Administration with a minor in chemistry from Western Oregon University and A.A.S degrees in Fire Suppression, Emergency Medical Technology Paramedic, and Oregon Transfer Degree from Chemeketa Community College. I have been awarded approximately $900,000 dollars in federal grants to include a new fire engine for our community. He has served on the Clatskanie School Board as a director and on the budget committee, a member of the Clatsop County Advisory Board for Fire suppression and EMS programs, the Columbia County Fire Investigation Team, and the Lower Columbia Regional Training Association. He is a member of the Veterans of Foreign Wars and American Legion.

We also celebrated a bit of our past. In attendance was Roland Ray Triplett, one of the seven founding members of Wauna Credit Union Roland Ray Triplett and our first employee Eileen Cheuvront. While we are always looking towards the future – making sure our feet are always planted in the present – Wauna CU would not be where we are today without the contributions from these (and other) important people.

Bill Pay moving to Single Sign-On – Now in Online Banking!

computer hugger billpay

Bill Pay is now one step easier to access!

Great News!

Beginning November 16, 2016, Bill Pay users will no longer be required to use an extra Login procedure to access the Wauna Credit Union Bill Pay service!

Instead, on that date, Bill Pay users will simply login to their personal Online Banking page — and then click the Bill Pay service option (located in the left-side menu bar).  That’s it!

Important Note:

Any “Favorites” bookmarks created in an Internet browser (to access the Bill Pay service login page) will no longer connect users to Bill Pay. Instead, simply change the bookmark to the Wauna Credit Union website address and then access Bill Pay directly through the Online Banking service.

If you have any questions or concerns, please contact Wauna Credit Union representatives during regular business hours.

 

PLEASE NOTE: We have been running tests on the new Billpay for some time, please be patient if there are any minor issues when we go live on the 16th. Thank You!

Wauna Credit Union

ALERT: Notification for Brief Service Disruption early morning November 15th & 16th

alertIconBrief Service Disruption early morning November 15th & 16th

One of our Internet service providers has announced the potential for brief disruption of their service between the hours of Midnight – 6:00 a.m. Tuesday, November 15, and Wednesday, November 16, for needed maintenance. Additional maintenance could be required for the same time period Thursday, November 17, and Friday, November 18.

If a disruption of their service should occur, the impact may cause Wauna Credit Union online and mobile services to be unavailable to members.  The vendor expects any potential disruption to be no longer than 60 minutes.

After the vendor has completed their maintenance, Wauna Credit Union online and mobile services will be restored.

Wauna Credit Union officials thank the membership for their patience and understanding during such situations.

Wauna Credit Union

Upgrade Changes To Online Banking & Changing Passwords

cybersecurity[1]Better Security, Better Service!

Since the recent update of our Online Banking system (on July 19th) there are several changes members should be aware of.

Update Online Banking Bookmarks & Favorites

Some users may need to empty their browser cache or cookies to reach our online banking. For help, please follow these instructions for your preferred browser: How To Clear-Browser-Cache-Cookies-and-History.pdf

Higher Password Security Requirement

We will soon be requiring our members to create more secure passwords for better protection. This is a proactive measure, and it comes on the heels of our security upgrade.

During the next 12 months, all Online Banking users will be required to change their password, and we have stricter new requirements for passwords. Sincere there are only so many numbers and letters it is vital to create more complex passwords.

  • Mobile App Users: Passwords cannot be changed in the Mobile App. You will need to change their password in Online Banking; this can be done using your mobile browser and logging into Online Banking at waunafcu.org.
  • We recommend you proactively change your password to the stronger requirements at your earliest convenience.
  • If your password is not changed at this time to meet the stronger requirements, you will be prompted to change your password at some point between July 19, 2016 and July, 19, 2017.
  • Also, please ensure we have a valid email address for you. There are instructions below to assist you with adding, updating, and validating your email address.  A validated email address is required so you can use the “I forgot my Password” link.
  • Download Instructions For Password Changing.

Password change graphic

 

Online & Mobile Banking Upgrade On Tuesday, July 19th


alertIconIMPORTANT INFORMATION: Account Services Temporarily Unavailable Early Tuesday, July 19th

Access to Wauna Credit Union Online & Mobile Banking services may be temporarily unavailable early Tuesday morning, July 19. During this period new security enhancements will be added to our Online & Mobile Banking services.

Please contact Wauna Credit Union during regular business hours if you have any questions about access to the Online & Mobile Banking services during the morning of Tuesday, July 19th.

UPDATE: Clear Your Browser Cache or Cookies:

Some users may need to empty their cache and cookies to reach our online banking. For help, please follow these instructions for your preferred browser: Clear-Browser-Cache-Cookies-and-History.pdf


Introducing New Password Guidelines to Make Your Online Banking Experience More Secure:

To help ensure your online experience is well-protected and reduce the risk of having your personal financial information compromised, we will begin requiring stronger password complexity for Online Banking and Mobile Banking users.

Please note: Your passwords and financial information have not been compromised. We are simply taking a proactive measure to keep your online accounts secure.

  • We recommend you proactively change your password to the stronger requirements at your earliest convenience.
  • If your password is not changed at this time to meet the stronger requirements, you will be prompted to change your password at some point between July 19, 2016 and July, 19, 2017.
  • Also, please ensure we have a valid email address for you. There are instructions below to assist you with adding, updating, and validating your email address.  A validated email address is required so you can use the “I forgot my Password” link.
  • Mobile App users will need to change their password in Online Banking; this can be done using your mobile browser and logging into Online Banking from waunafcu.org.

You are a valued member and we thank you for your patience during this transition. If you have questions about the updated password requirements or any other matters, please contact Wauna Credit Union during regular business hours at 800-773-3236.

DOWNLOAD PASSWORD INSTRUCTIONS

Wendys Fast Food Restaurants Victim Of Cyber Attack

 

Watch Your Bank & Credit Card Statements For Unauthorized Charges

bank-robberMore than 1,000 Wendy’s restaurants have been the victim of a cyber attack, and thousands of their customer credit & debit card data may have been stolen.

Read More: http://www.wsj.com/articles/wendys-says-about-20-of-u-s-franchise-stores-affected-by-cyberattack-1467908433

Wauna Credit Union statement: 

Wauna Credit Union reminds all members of the importance to remain diligent in reviewing their account statements and/or transaction activity. Debit and Credit Card security breaches continue to occur at retail stores, restaurants, gas stations, and other industries – including an alert issued this month by Wendy’s Restaurants. Account statements (paper statements and e-statements) provide members a periodic, detailed list of their recent account activity. Services such as Online Banking and Mobile Banking provide the opportunity to monitor account activity in real time. Please be sure to immediately report any suspicious or incorrect activity to Wauna Credit Union.