Self Service

Can’t find what you’re searching for on our site? Then let us know by filling out this suggestion box so we can improve future search experiences on sefcu.com.

If you have a question related to your account, please email [email protected] or you can use Live Chat. *Please do NOT include any sensitive information, such as member number in the email or chat.*

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Keeping Your Mobile Device Safe

 


Security Tips article header with surveillance cameras


As we rely more and more on our on mobile devices for business and personal use, maintaining strong security protocols should be a top priority. It’s important to understand the two main types of mobile security – physical and data – and how you can protect your devices and your data.

Physical Threats

Non-Dividend Account Addendum Form

Please change my SEFCU share accounts to non-dividend bearing accounts. I understand that SEFCU normally pays dividends on share accounts, as reflected in account disclosures on sefcu.com, in the SEFCU Member Benefits Guide and in the SEFCU Business Benefits Guide and I am requesting that the credit union make an exception in this case.


I understand that under this arrangement my share accounts will not earn dividends and SEFCU will not be required to provide IRS information returns, including the 1099-INT.

 


 

SEFCU Wealth Management Services Presents - Marriage: Entering a New Investment Life

SEFCU Wealth Management Services Logo

There are a lot of issues that couples need to think about when tying the knot – wedding preparations, family, and, of course, finances. Addressing personal finance and investment issues before the big day may help improve your odds of being together years later. Keep reading for some financial issues that you might consider when embarking on a matrimonial journey.

SEFCU Wealth Management Services Presents – Build a Solid Financial Foundation

SEFCU Wealth Management Services Logo

Creating a solid financial foundation can help investors stay focused no matter how the markets are performing.

When the markets and the economy are behaving badly, as they tend to do from time to time, it's easy to feel helpless. But creating a solid financial foundation can help you gain control of your investments and possibly avoid mistakes that can sabotage your portfolio.

Indirect Dealer List

How Can We Make Car Buying Even Easier?

By offering SEFCU auto loans right at the dealership. SEFCU has developed relationships with more than 200 auto, rv, motorcycle, boat, and sportscraft dealers. Just find make your deal, then apply for a SEFCU loan on the spot. Buying doesn't get any easier!

Check out the following list to see which dealers offer SEFCU financing right at their location. And stay tuned, SEFCU is developing relationships with even more dealers. The next time you buy a vehicle, ask if they offer SEFCU financing.

Methods to transfer funds

Option 1: Two People with SEFCU Accounts
Sending money between two SEFCU accounts is the quickest, easiest, and most secure way to transfer money. Funds can be transferred instantly anytime and anywhere with:

HSA Eligibility

To open a Health Savings Account (HSA), an individual must be covered by a High Deductible Health Plan (HDHP). An HDHP generally costs less than what traditional healthcare coverage costs, so the money that you save on insurance can be put into your HSA.

Safe Deposit Box Locations

You trust SEFCU to keep your money safe, let SEFCU protect your important valuables, documents, and family heirlooms with a Safe Deposit Box.


Deposit boxes are available at the following locations:

  • Patroon Creek, Albany
  • SEFCU Square, Schenectady
  • Wilton
  • Midler Ave., Syracuse

Pricing:

  • 5"x5"x18" box size -- $50 per year
  • 3"x10"x18" box size -- $55 per year
  • 5"x10"x18" box size -- $80per year
  • 10"x10"x18" box size -- $120 per year

 

Quicken®/QuickBooks®

As SEFCU prepares for our System Upgrade, Quicken and QuickBooks users will need to take simple actions leading up to and after the upgrade. Select your version below to view recommended actions.

Quicken instructions:

SEFCU Insurance Agency

SEFCU Insurance Agency provides affordable insurance coverage for all your personal needs. Unlike some agents, SEFCU Insurance Agency represents many leading regional and national insurance companies to offer a full range coverage options. Since they’re not limited to one company, they can do the comparison shopping for you to help you find the right insurance coverage at the lowest rate. Some of the insurance products they offer include:

Automobile Insurance

Pay Transparency Policy

SEFCU will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.

ADA Reasonable Accommodation Policy

OBJECTIVE/ DESCRIPTION

The Americans with Disabilities Act (ADA) and the Americans with Disabilities Act Amendments Act (ADAAA) are federal laws that require employers with 15 or more employees to prohibit discrimination against applicants and individuals with disabilities and, when needed, to provide reasonable accommodations to applicants and employees who are qualified for a job, with or without reasonable accommodations, so that they may perform the essential duties of that job.

Coin sorter locations

Do you have too many coins and not enough time? Use a SEFCU coin sorter and let us count your loose change for you. With coin sorters in many branches, just stop by and we'll do the rest. Have the funds deposited directly into your SEFCU account or exchange your coins for cash.

Coin sorters are available at the following branches*:

Capital Region

Shred bin locations

Make sure important papers don't get in the wrong hands. Shred old bills, account statements, or anything with an account number or Social Security Number on it.

Year-round shred bins

Capital Region

SEFCU Defensive Driving

SEFCU offers an online Defensive Driving!

  • Course taken 100% online
  • Up to 4 points reduced on your license
  • Course approved by the New York State Department 
    of Motor Vehicles
  • No final exam
  • Complete the course in English or Spanish!
Get started today!

Preferred Dealers

Lia Auto Group

   
Lia Chrysler, Jeep, Dodge, Ram 2116 Central Ave., Schenectady, NY 12304
Lia Honda 1258 Central Ave., Albany, NY 12205

SEFCU's Routing Number and Account-Related Information

There are various pieces of information you might need about your SEFCU account that are requested by other companies, including your employer, insurance providers, or other businesses you work with. Some of this is universal to SEFCU, such as our routing number. Some is unique to you, such as your account number. The face of a check can provide a lot of information:

SEFCU check image

Beware of Callers Saying Your SSN is Suspended

From time to time you probably receive phone calls from someone you don’t know, but what happens if the caller tells you your Social Security Number (SSN) has been suspended and asks you to provide confidential information to reactivate it? The Federal Trade Commission has received reports about scammers trying to trick people into providing their confidential information by calling and saying their Social Security Number has been suspended. The problem? Social Security Numbers don’t get suspended. 

How to Find Online Banking Login Box

Online Banking, Login, User Login, Sign In, Log in. It's referred to in different ways but we know the most important thing for many people is signing into their online banking account. If you are having a problem finding the login box, please refer to this screenshot of our homepage below.

Mastercard SecureCode FAQs

What is Mastercard® SecureCode™?

Mastercard SecureCode is a service to enhance your existing Mastercard account. A private code means added protection against unauthorized use of your card when you shop at participating online retailers.


How does Mastercard SecureCode work?

Fraud Monitoring FAQs

Is the fraud monitoring service 24 hours a day, or only during a certain time? 

Calls and texts are only made during certain hours so cardholders aren't disrupted late in the evening or early in the morning. Texts will be sent from 7 a.m. to 10 p.m. in the cardholder's time zone. Calls will be made from 8 a.m. to 9 p.m. in the cardholder's time zone. Emails will be sent 24 hours a day. Texts and voice calls pending from the night before will be triggered the following business day at the applicable time noted above. Agents are available for assistance 24/7.

Fraud Tools

The safety and security of members' information is the number one priority at SEFCU. To ensure that your account remains secure, SEFCU offers a number of ways to help reduce the possibility of fraud.


Fraud Monitoring
In cases where fraudulent credit or debit card use is suspected, SEFCU will notify members who have provided their mobile phone via text message. The message will ask members to reply “yes” or “no” to confirm if the purchase is legitimate and the text should be considered valid - not a phishing attempt.

Enroll in eStatements through SEFCU Mobile Banking

Follow these simple instructions below.


  1. Sign into the  Mobile app and tap  the menu next to “Accounts” on your account screen.
  2. Click on “eStatements.”
  3. Scroll to the bottom of the agreement and disclosure page and click “Submit.”
  4. Congratulations, you’re now enrolled in eStatements!

The Financial Fitness Challenge: Tips for Strengthening Your Financial Health

Diet books. Fitness apps. Live-streamed exercise classes. They all tell you the same thing: Maintaining good physical health requires discipline and adherence to a few simple habits, such as eating wisely, getting enough sleep, and exercising regularly. But did you know that the same basic formula can also apply to achieving and managing financial fitness? If you're looking to shed some unwanted financial fat and build a potentially healthy financial future, all you need is a good attitude, a little bit of dedication, and a solid plan to get you on track.

Beware of Spoofed Social Security Administration Calls

Scammers are spoofing the Social Security Administration's (SSA) 1-800 customer service number to try to get your personal information. If you get a call that looks like it’s from the (SSA), think twice. Spoofing means that scammers can call from anywhere, but they make your caller ID show a different number – often one that looks credible.

Accessibility Statement

SEFCU is committed to providing a website that is easy for all members and website visitors to use, including those with disabilities and those using assistive devices. We are continually working to enhance accessibility and usability based on standards recommended by World Wide Web Consortium (W3C) Web Content Accessibility Guidelines (WCAG) version 2.0 Level AA.

Branch Closings

Check here for all holiday closings. Visit our Branch Locator for regular hours and more information.



All Branch Locations 2019:

All SEFCU branch locations will be closed on the following 2019 national holidays

Guidelines for Giving

SEFCU defines charitable contributions as the donation of money to an organization recognized by the United States Internal Revenue Service as a 501(C)(3) that provides direct services to the community within our footprint. SEFCU’s area of focus for charitable giving is concentrated in the following areas:

How SEFCU Protects You

With security being among SEFCU's top priorities, we have many features in place to protect your account. Feel confident knowing we keep your information secure on both the computer and on your mobile device.

SEFCU OnLine Security
Learn about the security features in place to keep your account information safe. 

Mobile Security
Whether at home or on the go, you'll have peace of mind knowing our security measures go with you.

How to Protect Yourself Online

You lock the front door to prevent a home robbery, but are you safe from online thieves? Get the information you need to protect yourself when on the Web.


Nowadays we rely on computers for many aspects of our lives. The Internet provides convenient access to shopping, social networking, financial accounts, and much more. Knowing how the personal information you enter is being used and where it is being stored can aid in building awareness to the risks you may be exposed to.

Night Depository

SEFCU's Night Depository Never Sleeps
SEFCU's night depository service gives you access to secure drop-off locations throughout our service areas. We supply you with everything you need - from bags that lock to deposit slips to next-day reconciliation.


Get Started

Current SEFCU member?

5 Tips for Smart Saving and Spending

How will you spend your money in the next few months, or the next year and beyond? It's a good idea to put your goals in writing and create a spending plan that will give you enough money for every day expenses, while helping you save for your goal. Check out five tips for smart spending and saving.

calculator with a bunch of shopping icons

Preferred Points

When you use your SEFCU Mastercard® Credit Card you earn Preferred Points for the purchases you make. Log into SEFCU OnLine to view your Preferred Points balance and redemption options.

Earn points that can be redeemed for merchandise, gift cards, cash back*, and more! Points earned with your Mastercard never expire so you can cash them in as you go along or save up to redeem for a big reward.

USA PATRIOT Act

In accordance with Section 326 of the USA PATRIOT Act, SEFCU is required to take reasonable steps to verify the identity of any potential new account holders, which may include existing members, and maintain records of the documentation used for verification. 

At a minimum, SEFCU is required to obtain the following information prior to account opening or adding a signatory to an account: 

Foreign Transaction Notice

International Service Assessment (ISA) Fee to Appear Separately for Foreign Transactions 

Mastercard® 

Effective Tuesday, April 14, 2015, purchases, cash advances or ATM withdrawals made in non-U.S. dollars will be converted and billed to your account in U.S. dollars under the operating rules determined by Mastercard.*

ATM Hold Policy

If you do not make your deposit in person (for example, if you make your deposit by mail, at an ATM, or a POB location), that deposit will be subject to content verification and SEFCU’s Funds Availability Policy prior to releasing the funds. The first $200 of a deposit will be available on the first business day after the day of the deposit. For example, on a $300 deposit at an ATM on Monday, the first $200 of that deposit will become available on Tuesday, and the remaining $100 will be available on Wednesday. Every day is a business day except Saturdays, Sundays and federal holidays. 

Funds Availability

Our policy is to not delay the availability of funds that you deposit into your account any longer than necessary. During any required delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. 

Regulation D

Regulation D Limits Electronic Transactions

Have you ever tried to make an electronic withdrawal or transfer from your Savings account and been denied?

How to Transfer Balances from Other Credit Cards

How do I transfer a balance from a non-SEFCU credit card to my SEFCU Mastercard® Credit Card?

Bring your most recent statement* for your non-SEFCU credit card to any branch or call the Member Solutions Center at 800-727-3328. We'll do the rest.

*Must have a sufficient available balance on your SEFCU Mastercard.

Instructions for Traveling Abroad

To protect our members and fight fraud, SEFCU may limit card access in some foreign countries and states outside the continental U.S. from time to time. If you plan to travel outside the United States, please contact us at 800-727-3328 or 866-317-0335 (SEFCU Mastercard®), or 866-544-1113 (SEFCU World™ Mastercard Credit Card) to learn where card access may not be available and so your account can be noted that you are traveling.

Wire Transfers

Wire transfers offer a fast, safe way to move money from one person (or company) to another.

Depending on your line of work or other personal circumstances, there may be a number of reasons why you need to move funds quickly. Wire transfers can help you move money without a hassle. And, with SEFCU's wire transfer process you can authorize your request electronically.

Need to wire money? Here's how!

Order Checks (personal and business)

Low on Checks?

SEFCU makes it easy to order more. Just order online, contact our Member Solutions Center, or visit any SEFCU branch.

Instructions for Online Check Ordering

  1. Log into your SEFCU OnLine account.
  2. Click on the "Additional Services" tab from the top menu.
  3. Select "Check Ordering Service" from the drop down menu.
  4. Follow the on-screen instructions to place your order.

Note: If you are ordering for the first time, please contact the Member Solutions Center or visit any SEFCU branch.

Merchant Services

Offer your customers the convenience of credit or check card payments. SEFCU’s Merchant Services can make it happen.

Win Instant Customer Loyalty with Easy Payment Options
It's easier than ever to offer customers the option to pay by credit or debit card. SEFCU's Merchant Services can bring this powerful tool to your business, enabling you to accept both credit and debit card transactions, utilize Telecheck, web and wireless services, and gift and payroll cards. Equipment lease and purchase options are also available.

DIAL Automated Teller

Banking really is a phone call away when you bank by phone with DIAL, SEFCU's automated teller. Access your accounts anytime and anywhere.

Banking From any Touchtone Phone

DIAL, SEFCU's automated teller, lets you access your accounts from any touchtone phone by calling 518-452-2874 or 800-733-2848.

Types of Online Fraud

The best way to protect yourself from online fraud is to stay educated. Know how to recognize a scam and avoid becoming a victim.

Phishing 

Safeguarding Your Mobile Device

If you can access the web or check email from your mobile device, you could be at risk.

Smartphone owners are more susceptible to identity theft. Many smartphone owners do not password protect their device, which can store sensitive data such as financial account information. It is also common to connect to public Wi-Fi networks when on the go with your smartphone. Hackers often use or even set up these networks in order to gain access to your device. Use these tips to protect your mobile device:

Mobile Banking App Security

Banking with your mobile device has never been safer or easier.

Mobile banking uses the same security protocols as home banking. SSL encryption provides a secure channel for data transmission. Users are authenticated by utilizing device registration, username, and password or fingerprint.

Safe Computer Use

With fraud on the rise, it is becoming increasingly more important to protect your information. You can help reduce the likelihood of having your identity stolen by following a few simple steps.

Keep your computer(s) safe by having up-to-date anti-virus and malware protection as well as installing a secure firewall. By configuring your computer to automatically check and install security updates, you'll have peace of mind knowing your computer is safe from harm.

Protect your information by:

Defend Your Computer Against Spyware

What is Spyware? 

Spyware is a type of tracking software installed on your computer that gathers information about your browsing habits, such as websites you visit and how much time you spend there. Most spyware is installed without the user being aware. It can happen while downloading programs from the Internet or installing new software. Spyware may record private information such as usernames and passwords, or account and credit card numbers.

Signs Your Computer May be Infected with Spyware: 

Account Monitoring

You know your account best. Make it a habit to check it frequently!

Monitor your SEFCU accounts daily with SEFCU OnLine, Mobile app, and Text Banking in order to spot any unauthorized activity as soon as it occurs. The more frequently you check your account transactions, the faster any discrepancies or fraudulent transactions can be rectified. Contact SEFCU immediately if you notice an unauthorized transaction on your account.

Donating Online

Protect Yourself When Donating Money Online
Donating money online is a convenient way that you can lend a hand, unfortunately it’s also a simple way for scammers to divert your money to them. Here are a few easy tips to remember to make sure your gift is sent to the intended recipient.

Give to Legitimate Charities 
Ask to see the organization’s 990 IRS Form. Charities must file this document with the Internal Revenue Service.

Type the Web Address of the Charity You’d Like to Give to 

Offline Scams

New Study: Identity Theft More Prevalent Offline
Did you know you are more at risk of having your identity stolen through traditional means – like loss or theft of your wallet – than online methods such as phishing or spyware?

More Common Than You Think
Although you’ve probably heard many tips about how to protect yourself from online fraud, it is equally important to be aware of common offline scams. Here are some common types of offline fraud.

Phishing

Scam Artists Go "Phishing" for Financial Information

Phishing is a method scammers use to obtain confidential information via the Internet, and the practice is growing. This new favorite sport of scammers comes in a convincing disguise, making it easy for recipients of phishing emails to be fooled.

Smishing

“Smishing” Scammers Turn to Text Messaging
Smishing is when fraudsters send text messages to credit union members in an attempt to get account information. The name is derived from Short Messaging Service (SMS) text messages and phishing to form “Smishing.”

The scammers send out a text message to credit union members. The message instructs them to call a number that has been provided because their debit card has been locked.

Spyware

Guard Your Home Computer Against Spyware
Did you know that 9 out of 10 PCs connected to the Internet are infected with spyware*?
Answer these questions to see if you might be a victim.

Commitment to Privacy

SEFCU is firmly committed to maintaining the privacy of our members and the confidentiality of their personal and financial information. We recognize your right to privacy and, in turn, accept the responsibility to keep the information you provide to us confidential.

Turbo Tax

It's tax time! You can access Turbo Tax by logging into SEFCU OnLine.

  1. Login into SEFCU Online
  2. On the main menu go to "Manage Money"
  3. Click on "My Turbo Tax"

 


Not Enrolled in SEFCU OnLine?

Get Started

How to Report Fraud

If you think you’re a victim of fraud or may have inadvertently compromised your SEFCU account, you should contact us as soon as possible. 

If you think you've received a phishing email, please forward it to [email protected] so that it can be investigated. Do not click any links within the email. If you have clicked any of the links, please call SEFCU at 800-727-3328

Creating Positive Financial Habits

Developing positive habits related to saving and spending money is an ongoing process. Not understanding your habits – especially during the holiday season – can create added expenses and stress. On average it takes about 60 days to change or create a habit, so it’s important to think carefully about what you spend your money on, especially this time of year. By following some simple tips, you can keep your holiday spending in check and develop healthy financial habits.

SEFCU’s Institute for Financial Well-Being Jumps into Summer

Since its inception, SEFCU’s Institute for Financial Well-Being has provided financial education opportunities for youth each summer, educating more than 1,500 students since 2016 about saving, budgeting, understanding paychecks, and other financial topics. 

SEFCU is bringing this program to life again this summer, with plans to deliver various education sessions throughout the state. Organizations and agencies in Albany, Schenectady, Saratoga, Rensselaer, Onondaga, Tioga, and Erie counties have committed to providing education to the youth they serve.

Freezing your credit

Security freezes, also known as credit freezes, restrict access to your credit file which makes it harder for fraudsters and identity thieves to open new accounts in your name. Now, you can freeze and unfreeze your credit file for free. 

Improve Your New Computer’s Security

Did you receive a new computer this holiday season? It’s important to properly configure your home computer before connecting it to the internet to keep it, and your information, secure. Because we input and view so much personally identifiable information on computers, it’s very important to maintain computer security.

The following are important tips that can help to make your computer more secure. When used together, these practices will strengthen your computer’s security and help minimize threats:

Don’t Fall Victim to a Phishing Scam

Phishing scams can take many forms. Sometimes scammers use fraudulent emails or texts or mimic websites that you trust to get you to share confidential, personal information – like account numbers, Social Security Numbers, or usernames and passwords. Phishing scammers usually give their targets a false sense of security because they make the text message, email, or website look like one the victim is familiar with. Worst of all, they usually make the message seem extremely urgent or there will be negative consequences.

Protect yourself by following the tips below:

Protecting Yourself from Elder Abuse

To con artists, down-on-their-luck relatives, or opportunistic acquaintances, older individuals are a goldmine, and here’s why. People over the age of 50 control 70% of the country’s wealth, and seniors between the ages of 65 and 74, with an average net worth of $1.06 million, have more assets than any other age group. Dementia, disability, and decline can make it even easier for criminals to con older adults out of their money, which is also known as elder abuse. There are many types of scams, unethical businesses, and unscrupulous individuals preying on seniors all the time.

How to Safely Dispose of Your Mobile Device

Are you thinking of replacing your phone? Maybe it’s time for an upgrade, or maybe you just like having the newest technology in the palm of your hands. No matter what, you’ll need to know what to do with your old device to safeguard your personal information. 
Since we use our phones so much, there is a lot of personal data on these devices – maybe even more than you realize – including:

Top 7 Tips to Stay Secure on Your Summer Vacations

Summer vacations are right around the corner! Since digital threats can follow us everywhere make sure you keep your guard up so cyber criminals don’t spoil your well-deserved (and much needed) vacation!

Make sure your devices and web browsers are up-to-date 
WHY: To stay protected against all kinds of threats, make sure your laptops, smartphones, and other devices have the most current software before leaving for vacation. 

Make Your Passwords Simple and Secure

Establishing strong passwords is one of the best ways to keep your account information safe. If you aren’t sure how to create secure passwords or need help keeping track of all the different passwords you have, read these tips.

 

Thinking About a Career in Cybersecurity?

If you’re a recent graduate have you considered a career as a cybersecurity professional? There is currently a huge demand for people training in cybersecurity and you can work almost anywhere in the world. Keep reading to find out if this career is right for you.

SEFCU OnLine Security

When using SEFCU OnLine, it is important that you feel confident that your account information is safe and secure. Because security is SEFCU’s top priority, we have many features in place to help protect your account. It is also important that you are aware of the security measures that you should follow. Below, we have identified the security features in place and provided some tips about how you can protect your account.

Don’t Fall for this Mortgage Scam

If you receive a letter from Nationwide Biweekly Administration, please know that it is not endorsed by SEFCU. We did not provide this company with your sensitive information, including your loan number, loan amount or Social Security Number.

If you’re interested in making your mortgage payments more affordable, please call our Member Solutions Center at 800-727-3328. 

 

Prevent Identity Theft

Did you know you’re more likely to have your identity stolen offline than online? Your information can be in jeopardy through:

Beware the Jury Duty Scam

The phone rings. You answer and someone claiming to be a jury coordinator tells you there’s a warrant out for your arrest because you didn’t show up for jury duty.

Do they have your attention?

“Demand Drafts:" What You Need to Know

Usually, demand drafts are perfectly legal. These checks are generated by a third party (no signature required) and can be used to pay a bill. For example, if you buy something over the phone, you may be able to authorize the seller to take the money out of your checking account through a demand draft.

So how does this affect you? Criminals have figured out how to use demand drafts to pay for their purchases on your dime.

Seller Beware

If you’ve posted something for sale on the internet, watch out for potential “buyers” out to get your money.

Here’s the scenario: A buyer contacts you and says a friend owes him money, which he’ll use to buy your item. The “friend” sends YOU a cashier’s check worth more than the item you’re selling. You’re asked to cash the check, keep what the buyer owes you, and wire the buyer the remaining funds. Unfortunately, that cashier’s check is fake.

Top Three Internet Scams

Romance

Scammers have entered the online dating world and chat rooms, in the hopes of sweet-talking you out of your money. Make sure you verify profiles and don’t give out any of your personal details online.

 

Reshipping

Guard Your Computer

Scammers have come up with another way to get to your money: through your computer. This fraud usually begins with a phone call saying your computer needs to be serviced, and that their company can handle the situation by remotely accessing your computer. Once you let them in, they aren’t actually able to help you, so they offer to refund what you’ve paid them. The catch? They over-refund you, then ask you to repay that overage. Unfortunately, that “refund” never made it to your account.

Protect Against Spyware

Are you seeing more pop-up ads on your computer? Have your settings changed, and you can’t reset them? Does your Web browser have components you don’t remember downloading? Is your computer slower than ever? You may have unwittingly downloaded spyware.

Online Donations

Online donations can be an effective way to help those in need. To make sure your money is going where you intended, follow these tips:

Suspicious Emails

Is your inbox full of crazy claims? Scammers have become pretty sophisticated when it comes to getting your attention - and - your sensitive information.

Keep your guard up, especially if you receive an email for:

Sound Too Good to be True?

You know what we’re going to say here: It probably is!

The odds of you having unclaimed money out there, or having won an international lottery are slim. Red flags include:

Phishing, Vishing, and Smishing

First there was phishing: scammers using emails to trick people into giving up confidential information. Now there’s also vishing (they con you into calling to verify information) and smishing (same idea, but they contact you via text).

Make Sure Your Vacation is Scam Free!

 


Security Tips article header with surveillance cameras


As you start to count down the days until you hit the beach or travel abroad for your summer vacation, make sure you are taking steps to ensure that your dream vacation doesn’t become a nightmare.

 

Do some research

Tips to Protect Your Smartphone

 


Security Tips article header with surveillance cameras


With smartphones playing a critical role in our everyday lives, personal security is becoming increasingly important. Mobile security is more advanced than ever before, but scammers are also getting smarter in their tactics. 

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An overdraft occurs when you do not have enough money in the current balance in your account to cover a transaction at the time it is presented to us and posted, but we pay it anyway. We can cover your overdrafts in two different ways:

Overdraft Disclosure

An overdraft occurs when (a) there is not enough money in the Available Balance in your checking account at the time a transaction is presented to SEFCU for payment or authorization OR (b) there is not enough money in the Current Balance in your checking account at the time a transaction is “posted” to your account, but in either case SEFCU pays the transaction anyway.