Online Banking Security & Awareness

Online Banking Security

America's Credit Union Online Banking pages are protected through a protocol called Secure Sockets Layer (SSL) Encryption. This security measure provides 128-bits of encryption technology. The end user can only access ACU Online Banking with an SSL-compliant browser. The authentication of an Online Banking session is based on your username, PIN, and one-time passcode as a combination.

Multifactor Authentication (MFA) reduces the risk of unauthorized users by requiring end users to have additional log in credentials besides the standard user ID and password. The end user enrolls the computer most commonly used to access Online Banking. A unique secure cookie is placed in the browser of that computer, linking that user to that computer. During subsequent logins, the password and secure cookie are checked to make sure they are correct.

If an end user logs in from a non-enrolled computer, the end user will be required to answer their challenge questions in order to gain access to Online Banking. After 5 incorrect attempts to log in, the user will need to have their password reset. ACU further protects the members’ account by automatically dropping the member from Online Banking after six months of non-use.

ACU takes numerous precautions to keep your accounts and personal information secure, but you also play a key role in maintaining the security of your accounts. We have provided you with the following suggestions:

  • Keep your password private. Your online password authenticates (recognizes) you when you log in to Online Banking. You should memorize your password, and never write them anywhere. Never reveal your password to anyone, unless you want to allow them access to your accounts

  • Choose a strong password. Choose a password that will be easy for you to remember, but not obvious to someone else. For example, never use a birthdate, any part of your Social Security Number or phone number as your password. Do not use names of family members, pets, etc. as your password.

  • When you have finished your Online Banking session, remember to exit the program. Although your session will "time out" after a few minutes of no activity, you may not always be at your own computer, or in complete privacy, when you are online. Therefore, it is important to exit Online Banking when you are finished.

If you discover an unauthorized transaction on your account, immediately change your password. Contact Member Services as soon as you discover any discrepancies. We can be reached during regular business hours at 214-742-6551 or 1-888-742-6551.

Online Forms Security

America's Credit Union keeps your information safe.

The transfer of your information to authorized Credit Union employees through the Internet is encrypted using state-of-the-art techniques (SSL).

You can check that a form is secure in two ways:

  • Look for the small padlock icon. A closed, or locked, padlock indicates a secure connection.

  • Look for the letters 'https://' at the beginning of the Website address or URL in your Web browser. The "s" means secure.

Online Security Awareness

America's Credit Union wants you to be aware of potential online threats and know how to keep your information safe.

America’s Credit Union will NEVER ask you to update your information through an email or text message. Should you receive an email or text message allegedly from America’s Credit Union requesting such an update, please report it immediately.

  • Delete suspicious emails or texts immediately.
  • Report it to a Credit Union representative ASAP.
  • Call 214-742-6551 or 1-888-742-6551.