Securing Your Personal Information

The security of our member's personal information is our top priority. We maintain an expansive and multi-layered security system to protect your personal information and to save you from fraudulent activities. We utilize secure technology to make it harder to copy your account information by proactively issuing EMV cards and making our ATM machines EMV compliant. We also employ monitoring and software solutions to better protect you from fraud.

Protect yourself from identity theft and fraud by signing up for our Fraud & Credit Monitoring Service.

Vigilance is Key

There are ways to protect yourself from identity theft and other frauds and scams. Do NOT offer personal or confidential information via unsecured email or over the telephone. Remember, NEFCU will never contact you and ask for your account number or PIN over the phone, via email, or by any other unsecure channel.

To report suspected fraud or a lost or stolen debit or credit card, contact us immediately.

Call (516) 561-0030, or visit your nearest branch.

We are here to help with free CyberScoutTM Service

Once you report a suspected fraud or lost/stolen card, we will connect you with our free premier identity theft education and resolution service. Here you will be provided with the highest quality victim assistance and aided in replacing lost, stolen, or destroyed documents or identification. Learn More

If you suspect fraud, place a fraud alert on your credit report:

To help stop fraudsters from opening additional accounts in your name, contact one of the following credit reporting agencies, who wil lshare this information with the other two:

  • Equifax: 1-800-525-6285;; PO Box 740241, Atlanta, GA 30374
  • Experian: 1-888-EXPERIAN (397-3742);; PO Box 9532, Allen, TX 75013
  • TransUnion: 1-800-680-7289;; Fraud Victim assistance Division, PO Box 6790, Fullerton, CA 92834
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Staying Alert following Recent Data Breaches

Chances are you've heard about the security breach at Equifax by now. And, if you've had a credit report, there's a possibility you may be one of the 143 million American consumers whose sensitive personal information was exposed in the data breach at Equifax, one of the nation's three major credit report agencies.

If your information has been stolen, or you're just concerned about keeping your information secure, here are some steps you can take to mitigate loss and help prevent future compromises.

Steps to take if your information has been stolen:

  1. Stay alert for notifications
    If you have been part of a data breach, the company that has been breached will likely send you a notice. Read through the information you receive, and carefully consider any suggestions they may provide. You should also stay alert if you receive any communications from an unknown lender or the IRS regarding your taxes. You should not respond or reply to an unknown lender. If you receive any notice from the IRS regarding your taxes, be sure to consult an attorney right away.
  2. Initiate a fraud alert
    It may be wise to set up a fraud alert. When you request a fraud alert be added with any of the three major credit bureaus (Equifax, Trans Union, & Experian), the bureau you contact will notify the other two and alerts will be added with those bureaus automatically. A fraud alert will warn lenders that your information may be compromised and you may be a fraud victim. This alert means that any potential lender should contact you before extending any credit or loan in your name. This fraud alert will stay on your credit report for 90 days, and you will need to renew the fraud alert when it expires at the end of 90 days.
  3. Update your login credentials
    If your username and password were compromised in the breach, be sure to change your password for the affected site and on any other site that might share the same password. The best way to mitigate risk is to use a unique password for every site you use and to take advantage of multi-factor authentication when available.
  4. Use different passwords for different logins
    Consider using Password Management software, like LastPass or 1Password to keep track of unique, complex passwords for each of your accounts.
  5. Monitor your financial accounts
    Visit your online financial accounts, and set up any alert features they may offer.
  6. Monitor your credit
    You can check your credit report to help identify any unusual activity that may occur, such as new accounts or credit inquiries. You can access your credit report by contacting any of the three major credit bureaus (Equifax, Trans Union, & Experian) or by signing up for a credit monitoring service like FraudScout™.
  7. Place a freeze on your lock or credit file
    A security freeze will prevent a potential lender from accessing your credit report. by doing so, your credit report will only be accessible by unfreezing the account. The credit bureaus may charge a fee or have certain requirements when adding or removing a freeze/lock on your credit file.
  8. Sign up for SMS alerts
    By signing up for SMS alerts, you can receive text messages of any transactions happening on your card almost immediately after they occur. You can sign up for these alerts through your financial institution, or by enrolling through the card issuers website (Visa, MasterCard, Discover). At NEFCU, you can enroll in text alerts for debit cards and/or credit cards.
  9. Stay informed
    Visit the FTC's identity theft website to learn what steps to take in response to proven identity theft.