Even if you feel that you are secured on the Internet, you can still be vulnerable to a variety of security threats, such as Viruses, Adware, Malware, Spam, Trojan horses, Spyware, and ‘Phishing’ scams.

Viruses are probably the most dangerous of all security threats. They are computer programs that can infect any computer or device and do a variety of damaging things, such as stealing private data, messing with settings and applications and even rendering your devices or programs unusable.

Cookies are designed to put an identifier on your hard drive so that certain websites can remember you when you visit or remember what you do when you are on a particular website.

Most cookies are relatively harmless, but tracking cookies monitor your browsing information and this can be used by hackers to obtain personal details, such as bank account and credit card information. The good news is that cookies can be deleted via the settings menu of your browser.

Phishing usually involves emails or texts that impersonate a person or institution that you know.

Among the most common are emails from banks explaining that there is a ‘problem’ with your account and urging you to verify your personal information or PIN number. “Verifying” this information provides those who are running phishing scams which your personal account data which is then used fraudulently. Oftentimes, phishing scams involve ‘clone’ websites that look just like the real thing, but a little careful scrutiny can often reveal them as fraudulent.

To avoid Phishing Scams communicate personal information only via secure websites (https) that have been verified by a third party security company, such as Symantec, that displays a Norton Secured symbol. Do not click on links or downloads.

Adware:

Adware is software that presents pop-up and browser ads on a computer. Adware can be downloaded and installed to your computer automatically while you are browsing and can infect Windows and Apple systems. To protect against Adware, you should install and run a good security program like Microsoft Security Essentials or Malwarebytes.

Spyware:

Spyware monitors the websites you visit and notes personal information that you have entered, which means that hackers can use it to hack into your online banking or other online accounts. Spyware is usually installed unknowingly when you download other programs or applications. Spyware most commonly infects computers when freeware programs are downloaded.

What should I do if I have clicked on a link?

If you think you have been a target of phishing or have visited a phishing site and provided your banking details, contact your bank or service provider immediately.

Will LKCU send an SMS or email message about my account?

• We will attempt to send you an SMS and/or email if we are unable to contact you by phone. These details will be used to update you on various details of your account.
• LKCU will never send a link requesting payment for anything via email or SMS.
• If we send you SMS messages, the SMS will come from LETTERKCU. You provide us with your mobile number so that we can contact you to tell you:
  • Your membership application status.
  • Your loan application status.
  • If your account is due to go dormant.
  • If we have been unable to contact you by telephone and require you to contact the office.
  • Our Loans team send a variety of SMS messages relating to loan applications.

We may send you an email from us. You provide us with your email address so that we can contact you to tell you:

• Your membership application status.
• Your loan application status.
• If we require additional information to support your loan application.
• That we have a member survey.

These SMS and emails may contain links to our website or Survey Monkey.

Genuine email accounts that we will contact you using are:

• loans@letterkennycu.ie
• mortgage@letterkennycu.ie
• membershipofficer@letterkennycu.ie
• info@letterkennycu.ie
• do-not-reply@letterkennycu.ie
• agm@letterkenncyu.ie
• dpo@letterkennycu.ie
• credit.control@letterkennycu.ie

Our Telephone number is 074 91 24166

How can I contact the LKCU Team to check if a message is genuine?

Our Member Service Teams are available to speak with you Monday to Friday 9am-5pm and on Saturday 9am-1pm.

The login process for CU Online+ (via our website) and Letterkenny Credit Union app use the same security details.

What You Need  - Members must retain the following 3 items:

Username

• Created by member at Registration
• Can only consist of letters and numbers

Password

• Created by member at Registration
• Minimum 8 characters in length

PIN

• Issued by SMS once Registration is approved
• Minimum 8 numbers in length

SSL (Secure Socket Layer) encryption – provides protection of your personal data using Industry wide strong level of encryption.

Secure Sign-in – Three tiered login – for additional levels of access and security.

OTP (One Time Passcode) and Password – as per industry best practice guidelines (upgrade from 8 digit PIN).

Firewall protection – to stop unauthorised access and protect the information on your systems.

Time-out facility – which automatically signs you out after a period of inactivity (to continue banking online, simply sign in again).

Secure Messaging – all account specific member communication is sent through a secure channel in CU Online+.

The Payment Services Directive 2 (PSD2), came into force on 14th September 2019.

This regulation affects the whole banking industry, and changes the way you operate banking facilities, including CU Online+.

PSD2 is designed to further protect you when banking online. Increased security measures (known as Strong Customer Authentication) are placed on several online account activities such as setting up new payees, certain payments, etc. You may be familiar with this from other sites, as it will be similar to “Two Factor Authentication”, where a One Time Passcode (OTP) is sent to your mobile device to complete an action.

To ensure you receive these OTPs, check that your mobile number on file is up to date. You can do this in the “Personal Details” section of your CU Online+ account.