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Your Online Security


Our Commitment

McGraw-Hill Federal Credit Union is serious about safeguarding your personal financial information and is committed to making your Online Banking experience safe and secure. Our Online Banking Security Guarantee covers:

  • The security of your McGraw-Hill Federal Credit Union accounts
  • The security of your personal information
  • The time processing of your payments

Additionally, with Enhanced Login Security, your Online Banking experience is protected against fraud by providing an additional security step beyond your username and password. This enhancement is implemented through the use of a one-time access code. Online Banking can help you to lower your risk of identity theft and fraud

Identity theft can occur simply by having your mail stolen or thieves rummaging through your garbage to obtain confidential information. Through the use Online Banking you can reduce your risk to having your identity compromised. Protect yourself even further by:

  • Registering for Online Statements in Online Banking
  • Viewing your cleared checks online to monitor for check fraud
  • Using free, unlimited Bill Payment to help reduce the chances of mail fraud
  • Signing up for direct deposit with your company's payroll department to reduce the risk of lost or stolen checks
  • Checking your account activity online frequently to detect fraud earlier

How you can protect your online experience:

  • Never supply sensitive information (such as user id and password, etc.) via email to anyone
  • Avoid links from unknown sources. Don't use a link from sources you don't trust, including emails and social media posts. Malicious links could direct you to websites or install applications that compromise your device.
  • Accessing your Online Banking account by typing the URL into the browser's address bar (or by using a previously established bookmark) is the safest way to gain access, and prevents scammers from redirecting to an unsafe site.
  • Install antivirus software like Microsoft Security Essentials® (free), which scans your computer for viruses and spyware. It also monitors your computer and incoming email to block malicious files.
  • Keep your computer's operating system — the foundation on which all your applications run — up to date. Software manufacturers typically provide free security patches to address any flaws that are discovered.
  • Keep your web browser software up to date to help protect yourself from malware and browser security problems.

 

Mobile Banking

McGraw-Hill Federal Credit Union members can also enjoy Mobile Banking with apps for iPhone, iPad, and Android devices. Access your accounts whenever and wherever you want while staying secure.

  • Mobile phones are certified to ensure that all transactions are fully encrypted and secure
  • Mobile Banking does not store your Passcode and account information on your phone
  • You login the same way you would with Online Banking with a dedicated Username and Password

How you can protect yourself:

  • Download our mobile app from reputable sources only - such as the iTunes App Store or Google Play Store
  • Protect your password - do not reveal it to anyone
  • Memorize your password - don't keep it stored or written anywhere
  • Make it unique - truly safe passwords don't incorporate names, phone numbers, addresses, known dates, etc
  • Never leave your mobile device unattended while using our mobile app or accessing our mobile website
  • Use your phone's built-in lock function - require a password-protected login for when your phone starts up or restores following a time-out

How you can protect your device:

  • Keep it safe. Maintaining physical control of your device is the first way to prevent abuse.
  • Keep it updated. Set your device to install app and system updates automatically if possible. These updates often include security fixes.
  • Use your security features. Use a passcode or PIN to help protect your device. Enable remote wipe and location features to help ensure that your personal information is protected if your device is lost or stolen.
  • Beware of malicious applications. Download apps only from trusted sources like the Apple® App Store or Google® Play.
  • Avoid links from unknown sources. Don't use a link from sources you don't trust, including emails and social media posts. Malicious links could direct you to websites or install applications that compromise your device.
  • Use trusted networks. Connecting your device to unknown wireless networks can expose your data. Avoid accessing sensitive information, like banking, if using an unsecured or unknown network. If possible, switch to your cellular data plan for banking and then back to wireless when complete.
  • Turn off unnecessary services. Wi-Fi, Bluetooth, location apps, NFC (near field communication) apps and other connection abilities can be disabled to protect your device when you're not using them.
  • Avoid putting your device at increased risk. Gaining system level access known as "rooting" for Android™ and "jailbreaking" for Apple®, may provide access to untrusted software or apps not intended for your device that can expose you to greater security risks.
  • Encrypt Your Data. If your mobile device supports it, use encryption to help protect sensitive information.
  • Install and use anti-virus software and browser protection tools. Some devices, especially those running Android, support the use of anti-virus software that helps prevent bad applications from attacking your device. Browser protection products provide an additional layer of security to warn you about malicious websites. You can learn more about capabilities offered by individual mobile anti-virus vendors by visiting their websites, some of which are referenced below.
    • AVG®
    • Avast!®
    • Norton®
    • Trend Micro®

Notice: Mobile anti-virus products are offered by individual vendors and not by McGraw-Hill FCU. McGraw-Hill FCUmakes no representations, warranties, promises or guarantees regarding these or any other mobile anti-virus products. The reference to any specific product, process, service, trade name or corporation name are for convenience and education only, and do not constitute endorsement or recommendation by McGraw-Hill FCU. McGraw-Hill FCU encourages members to use personal due diligence when selecting and using technical and security products.

 

Reporting Phishing and Vishing

E-mail fraud is a common tool of an identity thief. It can take many forms, but is usually harsh, demanding and scary. Here are some examples:

Phishing is an electronic scam that attempts to obtain confidential personal or financial information from its target. It takes the form of a fake message, usually an e-mail, which appears to be from a financial institution or service provider. The message usually includes the company name, logo and a link to a website which instructs you to update your account information by providing your Social Security number, bank account number, PIN, password, birth date, etc. with a dire warning if action isn't taken. A phisher can then use your personal information to commit fraud. .

A technique, much like phishing, that allows criminals to maliciously gain access to your personal information for the purposes of identity theft. Vishing scams use a combination social engineering and technology of call centers to find victims that can be tricked into providing pins/passwords or personally identifying information. Typically, the criminal sends the victim some kind of notice or leaves a message, requesting that the victim returns a call to verify an account or some similar ploy. When the victim returns the call, they are asked to provide account and identifying information under the guises of "updating" the account.

Once the criminal has access to that information, it is used for credit card or banking fraud, or as the first step in a stolen identity. Vishing also allows criminals to spoof caller-id, making a Vishing scam hard to detect because everything appears to be legitimate.

McGraw-Hill Federal Credit Union will never ask you to confirm your account number, personal identification number (PIN), password or any other personal information by way of e-mail or telemarketing. If you are concerned that you have received a fraudulent e-mail, disclosed confidential information, or have questions about online security, please contact us at 1-800-226-6428 or cu_info@McGrawHillFCU.org.

 

Biometric Services

You can now use the biometric service, Apple Touch ID and Android Fingerprint ("Biometric Services"), to log in to the McGraw-Hill FCU Mobile App. Below is important information about this capability for you to review and understand before enabling the capability of this device. 
 
Description of Biometric Services with McGraw-Hill FCU Mobile App
Touch ID is a service provided by Apple IOS; Fingerprint is a service provided by the Android OS. Using Biometric Services with the McGraw-Hill FCU Mobile App allows you to use your fingerprint instead of entering your username and password to access the McGraw-Hill FCU Mobile App. Fingerprint information is store on your device only. When Biometric Services are used to authenticate a fingerprint registered to your device, a secure token is exchanged with McGraw-Hill FCU Mobile App to permit access - McGraw-Hill FCU never receives or sees your fingerprint information.

 

For information on how Apple protects your fingerprint and Keychain data, please see Apple's Privacy Policy and iOS security guides. Similarly, for information about the Android OS based system, please see Google's Privacy Policy and OS security information.

 

MCGRAW-HILL FCU ADVISES YOU TO REVIEW AND CONFIRM THAT ALL REGISTERED FINGERPRINTS BELONG TO INDIVIDUALS WITH AUTHORITY AS DESCRIBED ABOVE. MCGRAW-HILL FCU RELIES ON YOUR REPRESENTATION THAT ANYONE WITH A REGISTERED FINGERPRINT HAS PROPER AUTHORITY.

 

Use of the Biometric Services with McGraw-Hill FCU Mobile App

In order to use the Biometric Services, you need to enable it on your device through your settings. Please review all information and guidance provided by Apple and Google for their respective processes to understand the associated risks and features. Once enabled on your device, you can then enable the use of Biometric Services from within the McGraw-Hill FCU Mobile App. To enable or disable the feature in the McGraw-Hill FCU Mobile App, navigate to the "Settings and Profile" section of the app. You can then toggle the feature "On" or "Off" with the indicators on that screen.

 

Questions? Ask McClever.