Security

SECURITY STATEMENT

We take every reasonable precaution to protect your information. When you submit information to us through our web banking site, your information is protected both online and offline. All data transferred to/from the Direct Federal internal network, from/to an external entity, is encrypted to industry standards (128 bit encryption). Please keep in mind that messages you send to us over the Internet via email may not be secure. Do not send us any confidential or personal information over the Internet via email unless you have logged in to Direct Federal Web Banking and use the secure Contact Us link in the left navigation bar. We maintain appropriate physical, electronic, and procedural safeguards to ensure the security, integrity and privacy of your personal information within our company.

Only those employees who require your personal information to perform a specific job are granted access to your personally identifiable financial information. Furthermore, all employees are kept up-to-date on our security and privacy practices. If you have any questions about the security of your information at Direct Federal, you may contact us at 1.781.455.6500, or at the following address: Direct Federal, 50 Cabot Street, Needham, MA 02494.

Why your transactions are safe with us

We take your security and privacy very seriously and always go the extra step to protect your information and your money. Industry-leading technology protects our banking systems. Sophisticated business procedures verify your identity and ensure all requests related to your account come directly from you. Transfers from your Direct Federal accounts can only be made to linked accounts you have pre-designated and authorized.

We ensure your security online through sophisticated encryption that turns every Direct Federal online transaction into an unreadable mathematical formula. We even go an extra step when securing your account online by requesting your account number and unique web banking passcode.

Direct Federal is a federally chartered financial institution. As such, we are required by law to maintain a certain level of privacy protection and strong security protections. Our privacy and security programs are regulated and reviewed by the National Credit Union Association (NCUA). If we are not secure or we do not protect customer information, we would be shut down. Periodically we conduct third-party reviews of our network to independently assess the integrity and security of our network and systems.

How we protect your Credit and Debit Cards against fraudulent use

Direct Federal will monitor the activity on your Credit or Debit Card accounts to detect any differences from your ordinary spending patterns.  You may receive a telephone call asking you to verify activity on your account.  If any transaction was made fraudulently, we will assist you in blocking your account and help you open a new account.

Additional protection is available for both Credit and Debit Cards to password protect your online purchases at participating merchants.

• Credit Card:  You can enroll in Verified by Visa.
• Debit Card:  You can enroll in MasterCard SecureCode.

How we protect your online security

Keeping your financial and personal information secure and confidential is one of our most important responsibilities. Our systems are protected, so information remains secure.

• Computer virus protection detects and prevents computer viruses from entering our computer network systems.
• Firewalls block unauthorized access by individuals or networks to protect our computer network systems that interact with the Internet.
• Secure transmissions ensure information remains confidential. Direct Federal uses encryption technology such as Secure Socket Layer (SSL) on its websites to transmit information between you and the credit union.
• To send us secure email, you must log in to Web Banking and click on Contact Us. Because an email response back to you will not be secure, we will not include confidential account information in any email response and we will not ask for personal information, such as passcodes and PINs, through email. Besides email, you can reach us by contacting our Call Center at 781.455.6500.

New advances in security technology are constantly evaluated to ensure that we provide protection for your information.

Our Use of Internet Browser Cookies

Direct Federal may use Internet browser "cookies" for personalization purposes, to improve navigation, track advertising and to measure user visits. A cookie is a small line of text stored by your browser on your computer's hard drive. Our cookies do not contain any personally identifiable information.

Most web browsers automatically accept cookies, but you can change your browser settings to turn that feature off. Some features of Direct Federal's website, such as personalization and account information, require that cookies be turned on. If you wish, you can turn on your browser cookie preference when using these features and then turn them off when you visit other websites.

Direct Federal's use of cookies will not affect our policy of not disclosing any of your personal information without your consent.

Links to External Sites

At times, we may provide links to sites outside the control of Direct Federal to alert you to products, information and services offered by third parties. Provided links are meant to supplement Direct Federal products, services or information or provide other information we believe may be of interest to you. Although we will only provide links to sites we believe are reputable, we do not make any representations concerning the linked sites' contents or availability. Please note that linked sites may have different privacy and information security policies than Direct Federal Credit Union. You should review each site's privacy and information security policies carefully before you enter confidential information at the site.