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Online Security

Jefferson Financial FCU will never call you to request your personal banking information via telephone, email or text message. If you receive suspicious communication, do not respond.

For security purposes, we will request information to confirm your identity when you call us. 

Don’t be a victim

Jefferson Financial is committed to protecting your information from the threats of cyberspace and identity thieves. Follow our tips to further safeguard your online presence and investments.

Louisiana Office Of Motor Vehicles Data Breach - June 2023

How We Protect You 

Online Security Tips 

Prevent Identity Theft 

Password and PIN Best Practices 

Two-Factor Authentication 

Online Banking/Mobile App – Security CAPTCHA Prompt

Credit Monitoring 

Contact Jefferson Financial FCU Fraud Department

Regulation E Protection and Credit Union Security

The Credit Union’s efforts to secure electronic banking does not secure the internet or the transaction of information over the internet. The Credit Union does not provide protection for email transfers or data transfers utilizing your personal computer. The Credit Union shall not be liable for any loss, harm or fraud resulting from the introduction of a computer virus, worm or other malicious code in your computer or access device.

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Why is Jefferson Financial Asking Me for Identification and Personal Information? 

To comply with federal law, we are required to obtain personal identification information about any individual conducting a cash transaction whether the individual conducting the transaction has an account with Jefferson Financial Federal Credit Union or not.

The federal law requiring this was passed to safeguard the financial industry from threats posed by money laundering and other financial crimes. The information collected can include information such as a Social Security Number (SSN) and valid identification. We collect this information in a manner consistent with your right to financial privacy.

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How To Keep Your Information Safe

Jefferson Financial Federal Credit Union is committed to protecting the safety and confidentiality of member accounts. Our computer network features sophisticated detection and encryption systems and tracking capabilities to ensure that member information remains confidential. And the Credit Union has established policies and processes that further protect member information.

For instance, Jefferson Financial has in place a strict Privacy Policy (link to Privacy Policy). Jefferson Financial Federal Credit Union will NEVER contact you on an unsolicited basis to request information concerning your electronic credentials including your User ID, Password or Authentication. 

If you are suspicious of any account activity or experience a member information security related event or believe that your User ID, Password, or Authentication has been lost or stolen, please contact the Credit Union at 800.259.2471 immediately.

There are a number of things you can do to help ensure your privacy and security:

  • The Credit Union recommends its business and commercial members perform a risk assessment and review its electronic/online account controls and passwords periodically.
  • Consumers should also monitor your accounts with Online Banking. Log in often, preferably every day and track your account balances. Balance your account at least once a month so that discrepancies can be reported in a timely manner.
  • Review your account statements (paper and eStatements) as soon as you receive them. If you see a transaction that you did not make, contact Jefferson Financial immediately by email or phone.
  • Also within Online Banking, you can set up an Account Alert that helps monitor your accounts. Set up an Account Alert that automatically sends you an email message when your account balance falls below a certain amount.

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Online Security Tips

The Credit Union recommends you periodically review your on-line account access practices to ensure security, including:
Who has access to your online accounts? 
  • How and where are user names and passwords stored?
  • How strong are your passwords and how often are they changed? Protect your PINs and passwords: create PINs and passwords that do not use readily identifiable information like names, birthdates, and phone numbers.
  • Never reveal your access codes or passwords.
  • Change your access code password frequently.
  • Never send private account or personal information such as identification numbers, amounts, or share/loan identification numbers via email.
  • Notify the Credit Union of any suspicious email or telephone inquiries, such as those seeking account information or online passwords. 

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Prevent Online Identity Theft

  • Delete unexpected emails from unknown sources.
  • Do not download software from unknown sites.
  • Too Quick to Click? Never click on links in emails of uncertain legitimacy. Visit the site first by copying the address in a new browser window.
  • Shop only at reputable sites and deal with merchants you know.
  • Contact your financial institution directly to verify an email’s origin.
  • Never reply to strange-looking emails. 

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Protect Your Passwords

  • Use a combination of numbers and letters for passwords, and never use easy-to-guess passwords or any series of consecutive numbers.
  • Password-protect every account you can, including credit card, credit union, bank, and phone accounts.
  • Never store passwords on a laptop or notebook computer, as it may be lost or stolen.
  • Store passwords in a safe place if you can’t memorize them, and never take them with you. Never write your PIN on the back of your Debit Card or Credit Card.
  • Keep a list of your account numbers and contact information in a secure location and do not take it with you when you travel. 
Protect Your PIN As You Pay with Your Check Card
  • You can easily use your Jefferson Financial Check Card at many merchants to make your purchase and get cash back. For additional security, cover the keypad with one hand while entering your Personal Identification Number with the other. 
Watch the Mail
  • Never leave incoming or outgoing mail unattended in your mailbox. 
Guard Your Information
  • Know who you’re giving information to, especially on the phone and online. Be especially wary of disclosing your Social Security number, birth date, and driver’s license. Never do so unless you initiate the contact.
  • Never use your Social Security number as an account number or ID number. Ask that it be changed to another number. 
Dispose of Information Safely
  • Before throwing documents in the trash, shred anything that has personal or financial information.
  • Shred unsolicited credit offers and any transaction or purchase receipts you don’t need. 

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What is Two-Factor Authentication and How Do I Set It Up? 

We are devoted to the security private information. As technology advances, so do financial scams and fraud. Two-Factor Authentication adds an extra layer of security to your Online Banking Account. With Two-Factor Authentication, you can ensure that you're the only person who can access your account even if someone knows your password.

By turning on Two-Factor Authentication, you will have a code sent to your telephone via voice call or text message every time you log in. Once you receive the code, you will be required to enter it in order to access your account online or in the JFFCU Mobile App.

Additional step-by-step instructions on setting up Two-Factor Authentication can be found here.

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Online Banking/Mobile App - Security CAPTCHA Prompt

The security popup you may receive when accessing your account on the Mobile App or Online Banking site is an extra layer of security. At times, our online banking vendor will turn on an extra security measure due to an uptick of unusual traffic accessing our digital banking site or mobile app. You were prompted with what is a called a CAPTCHA test, to verify you are human and not a bad actor bot.

Rest assured, there is nothing wrong with your device, the online banking site, or the mobile app. The popup was only another layer of security to protect access to your account. If you receive the CAPTCHA security, just check the box to verify that you are the one accessing your account.

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Monitor Your Credit Reports

You are entitled to get one FREE Credit Report from each of the three main credit reporting agencies every year. To get your free Credit Report:
  • Visit www.AnnualCreditReport.com or call 877.322.8228.
  • Read your Credit Report carefully. Watch for any activity you didn’t initiate. Pay attention to who has been making inquiries into your report. Contact the credit reporting agencies immediately if you suspect a problem.
  • Order reports from each of the three credit-reporting agencies, as each may contain different information.
  • Criminals count on your unsuspecting cooperation. The longer they avoid detection, the longer they can continue using your good name. The best way to spot identity theft is to check your Credit Reports at least once a year. 

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Contact Jefferson Financial Immediately!

If you think unauthorized access or fraud has occurred in connection with your Jefferson Financial accounts. Report such incidents as soon as possible to Jefferson Financial. 

Report Fraud:

Call the Member Service Center at 800.259.2471
Call the after hours Card Services Center at 800.682.6075 

Help us combat identity theft and phishing attacks by emailing the following statement to spam@uce.gov.

Here is a sample email that you might want to use when contacting the FTC:

I recently received a message from an unknown source informing me that there was an issue with my credit/debit card account. I have confirmed that (INSERT NUMBER OR INSERT WEBSITE HERE) is a fraudulent number or website attempting to phish my private financial information. Please disconnect this number to protect individuals from this phishing attempt.

To contact the FTC by phone please call 877.382.4357.

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