How We Protect You - Enhanced Login Security for Internet Banking
Security Corner - Protect Yourself!
MEMBERS® Auto and Homeowners Program
E-Statements
e-Statements are a FREE and convenient way to receive your monthly/quarterly statement electronically, taking the place of your regularly mailed statement. Statements arrive electronically 3 to 4 days earlier than through regular postal mail and look just like the paper version. Safe and secure using online encryption, receiving your statement electronically eliminates the hassle of storing paper copies and the possibility of your statement being taken from your mailbox without your knowledge!
You will be notified by e-mail when your statements are ready to be viewed. Simply click on the link in the e-mail or log onto your Internet Banking account, click on the "e-Statements" button and select the month you wish to review. Your e-Statements will be available online for 12 months. If you want to store them longer, simply save them on your computer or copy to an external storage device. If you need a paper copy simply print one out! You will need to have Adobe Acrobat Reader on your computer in order to read your e-Statement. Adobe Acrobat Reader is free software that you can download here or through the e-Statement registration page.
Ready to get started? Click here to register or log onto your Internet Banking account and click on the e-Statements button. You will need to create a user name and password so that you can access your statements without signing on to Internet Banking. However as long as you sign on to your online account first, you won't need to enter the user name and password again.
ENHANCED LOGIN SECURITY IS NOW AVAILABLE
KEEPING YOUR ONLINE FINANCIAL AND PERSONAL INFORMATION SECURE AND CONFIDENTIAL REMAINS ONE OF OUR TOP PRIORITIES! Get ready for a new feature to help protect you from fraud!
We ensure your privacy and security by offering technology and services designed by the brightest minds in the online banking industry.
Encryption: The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server.
Password Complexity: It is important to verify that only authorized persons log into online banking. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure data center. We allow you to enter your password incorrectly a limited number of times; too many incorrect passwords will result in the locking of your online banking account until you call us to reinitialize the account. We monitor and record "bad-login" attempts to detect any suspicious activity (for example - someone trying to guess your password).
You play a crucial role in preventing others from logging on to your account. Never use easy-to-guess passwords such as birth dates, first names, pet names, addresses, phone numbers or social security numbers. And never reveal your password to another person!
Enhanced Security Login through Multifactor Authentication is now available giving our members another layer of security to protect their online banking account.
- All users are now required to set up "Forgotten Password Challenge Questions" through Internet Banking "User Options" feature.
- Through the “User Options” button inside Internet Banking your computer can be enrolled in Enhanced Login Security and a browser-based, secure cookie with an individualized credential stored on your computer as another layer of identification.
- Prevents unauthorized access using stolen credentials on a non-enrolled computer.
- Users can still access their online accounts using non-registered computers by answering challenge questions.
Take advantage of this important security feature today!
SECURITY CORNER
Identity Theft, Phishing, Phone Scams, Jury Scams, Internet Fraud, Mail Fraud….when does it end? Unfortunately we must all take responsibility to protect ourselves and our loved ones from people who would take advantage!
Don’t wait, thinking it won’t happen to you or someone you love! Protect yourself now! Below are some basic precautions you can take and some resources you can use to keep your private information secure.
Credit and debit card use should be monitored. Before swiping your card at an ATM or gas pump, look at the card reader. Does it appear to be altered? Have an extra "cover" over it? Be damaged? Crooks will sometimes place secondary "readers" over the legitimate card reader to capture card information.
Multifactor Authentication can help protect your account from unauthorized access. Check out the MFA section above for more information!
E-mail messages warning of dire consequences if you don't update your account information or click on a special link within the e-mail are sophicated "phishing" attacks. Do not fall for them! Do not click on the link - it may direct you to a website set up to look like a trusted one, but will actually be designed to capture your personal account information or to download malicious programs designed to attack your computer. Instead go directly to a website by typing the address in the browser bar.
Review your account activity frequently. Check to make sure there are no unauthorized transactions on your account. Contact the credit union immediately if you suspect someone has accessed your account fraudulently.
Never provide personal information unless you initiated the contact! Protect your account numbers, PIN numbers, and social security numbers! If you receive an e-mail asking you to call a number and confirm your account information - don't make that call! If you are unsure, call us directly!
Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide them your account information!
You did not win a lottery if you did not enter one! Beware of people asking you to cash their check and send them a “processing” fee! The check is probably counterfeit! Do not wire funds to someone promising riches! There is no Spanish/Canadian/Nigerian/Russian Lottery that will pay you millions!
Selling something over the Internet? Do not accept a check for more than you sold the item for! Make sure the check is good before you turn over the item – especially large dollar items! Not sure? Call us - we'll help!
If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files. Monitor your credit files and account statements closely. Here is the contact information for each credit bureau’s fraud division:
Equifax -800-525-6285 ( P.O. Box 740250, Atlanta, GA 30374)
Experian – 888-397-3742 ( P.O. Box 1017, Allen, TX 75013)
TransUnion - 800-680-7289 ( P.O. Box 6790, Fullerton, CA 92634)
Check out www.idtheftcenter.org for more on Identity Theft and how to protect yourself or click on the button below to access great information.
Tropicana Federal Credit Union is committed to helping protect our members from these and other financial and identity scams. Don’t become a victim! If you have any question about something you have received, please don’t hesitate to give us a call BEFORE you act. We will try to help determine if you are working with a legitimate entity or are becoming part of the latest crime wave.
Annual Member CD Program
Click here to access the Member Enrollment Form.
Disaster Preparedness
As the hurricane season rapidly approaches, TFCU is committed to providing continuing financial services at all times to our members. This article is intended to provide information and resources to assist our membership in their preparation for this year's season as well as inform our members of the credit union resources in the event our office is closed due to a natural disaster.
For hurricane preparedness information, please visit www.nhc.noaa.gov to access the National Hurricane Center's website. Resources are available for developing a family plan, creating a disaster kit and much more!
ACCOUNT ACCESS
Tropicana FCU has three onsite ATM's available - one at the main office located at 604 13th Ave E, Bradenton, one at the Tropicana Plant next to the payroll window and one in our Parrish office at 12271 US Highway 301. We will strive to keep these ATM's available for our membership's use. In the event these ATM's are not accessible, we have partnered with several ATM networks that will give our membership the ability to access cash anywhere in the United States. The PRESTO! network, located at Publix stores, is available throughout Florida. CU 24, STAR and PLUS networks allow access nationwide. Remember to plan ahead if you need to make a cash withdrawal. If the power goes out, ATM's will not work!
BRANCH ACCESSIBILITY
If the branches are not accessible, we will strive to provide alternate sites for member access. As soon as it is available, the location of any alternate site will be posted on a sign outside the credit union main office as well as on our website at www.tropicanacu.com. We will also place a message on our phone system with the information. Just call the office at 941-748-7704 for updates.
BRANCH CLOSURES
Hurricane Watch
It is the intention of the credit to remain open during a Hurricane Watch as long as possible to provide for the needs of our members.
Hurricane Warning
TFCU is committed to the safety and well-being of our staff as well as our members. In order to ensure our staff is able to provide for their families, the credit union will close if a Hurricane Warning is issued and landfall conditions are possible in our locality. We will re-open as quickly as possible to serve our membership depending upon the amount of physical damage incurred, availability of power and telephone communications and how quickly local authorities are able to clear the areas around the credit union branches.
Think you don't need Identity Theft Protection?
Think Again.Just $1.95 month!
Most credit card companies and financial institutions only correct proven tranactions errors. The companies that do offer more help leave the legwork to you! As much as 80 hours of your time according to recent surveys. And that doesn't include the stress and expense - sometimes thousands of dollars -of trying to put your life back together. After awhile, some people give up-their credit ruined and still struggling with everything from fraudulent medical bills and utility bills to defaulted mortages and rental contracts to reputation-wrecking criminal records. That is the very reason that Tropicana Federal Credit Union chose IDSafe to offer our members at the low cost of $1.95 a month. This low cost covers your entire family! If you do not already participate in IDSafe-contact our member service representative today! Signing up is as easy as 1-2-3!
Insurance Services
Build a Lifetime of Security
MemberCONNECT© is a service program sponsored by Tropicana Federal Credit Union in partnership with CUNA Mutual Group. This program is designed to offer credit union members a variety of insurance and protection products.
CUNA Mutual Group is the leading financial services provider to credit unions and their members worldwide, offering more than 300 insurance, investment and technological solutions. No other company in the world offers so many credit union specific products.
Protect your family and property with insurance. You can get online quotes and access information on a variety of insurance products including Life, Accident, Long-Term Care, Credit Life and Credit Disability.
To get a FREE online quote or to learn more about the security that insurance can provide click here.
Make your financial dreams a reality.
Take advantage of a no cost, no obligation consultation today.
Call (877) MEMBERS or (877) 636-2377, for personal attention. Financial matters can be complicated. So, why not simplify? Talk with a friendly, knowledgeable expert that Tropicana Federal Credit Union trusts: a licensed MEMBERS Financial Services Representative.
During your phone consultation, the representative will:
Take time to listen to you. There is no rush or hard sell!
Focus on your individual concerns.
Carefully asses your current financial situation.
Help you pinpoint any gaps in your insurance.
Provide information so that you can make intelligent choices.
Recommend practical solutions to meet your needs.
Educate you about any relevant products and services.
Provide and confirm an action plan.
Empower you to take action!
Financially speaking, it makes sense to speak with a representative.
Call toll-free, (877) MEMBERS or (877) 636-2377.
Reasons to pick up the phone and call toll-free today.
A MEMBERS Financial Services Representative is an experienced professional skilled in analyzing your specific situation, and building financial road maps to help you reach your goals. Call to determine your needs, if you:
Changed jobs.
Embarked on a new career or business.
Married or become divorced.
Just had a baby or have children nearing college age.
Bought a home, car, or another big-ticket item.
Have not looked at your life insurance protection needs in over a year.
Need to get your Accidental Death & Dismemberment (AD&D) Insurance.
Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free (866) 512-6109. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members. CUNA Brokerage Services, Inc., is a registered broker/dealer in all fifty states of the United States of America. The Representative may also be a credit union employee that accepts deposits on behalf of the financial institution.
MEMBERS® Auto and Homeowners Program
You trust Tropicana Federal Credit Union to provide you and your family with quality products and services to meet your financial needs. We've joined with a dedicated team of insurance professionals to bring you the MEMBERS® Auto and Homeowners Insurance Program.
- MEMBERS Auto and Homeowners is the property and casualty coverage solution preferred by the most credit unions and their members.
- Convenient e-service, pay your bill or make changes to your policy, even report a claim.
- Receive fast, easy access to claims service 24-hours a day.
- Obtain a free no obligation quote or locate an agent at the local Liberty Mutual sales office.
The MEMBERS Auto & Home Insurance Program is underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union.
