Member Security

WHAT WEOKIE IS DOING TO PROTECT YOU

Our websites are secured using digital certificates and industry-standard encryption and time-sensitive session cookies in order to obtain personal information for member transactions. We only support browsers that can provide industry-accepted encryption protocols.

These protections ensure that you are actually dealing with WEOKIE, and not an imposter site impersonating us. Your connection to our websites uses Transport Layer Security (TLS) to protect the contents of the message from eavesdropping and interception.

We also keep your personal and account information secure through the following additional features:

• Automated time-out functionality logs out inactive sessions
• "Remember me" feature reduces the chance that a keylogger or other malicious software will capture your account number of other online credentials
• Restrictions on our mobile sites prevent a fraudster from taking your money if you leave your mobile device unattended

Automated Debit Card Risk Management Program

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity, which may include a sudden change in locale, a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

• Our automated call will ask you to verify recent transaction activity on your card
• You'll be able to respond via your touchtone keypad
• You'll also be provided a toll-free number to call should you have additional questions

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

WHAT YOU CAN DO TO PROTECT YOURSELF

Our security measures are only a part of what it takes to make sure you're protected. It's your responsibility to use up-to-date software and to enable security features such as anti-virus, anti-malware, and only connect from trusted networks. Your computer's browser communicates with our computer, systems, and websites.

Protect Your Card

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from debit card fraud.

1) Unless absolutely required for a legitimate business purpose, avoid giving out your:

• Address and ZIP code

• Phone number

• Date of birth

• Social Security number

• Account or card number

• Card expiration date

• Your PIN is private; never give it out

2) In stores and at ATMs, always cover your card and PIN, and watch for:

• Cell phone cameras, mirrors, or other tools used to view cards and PINs

• People watching your transactions

• Cashiers taking your card out of sight; take it to the register yourself

• Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM

Frequently Update Your Web Browser

You will need to update your web browser periodically to ensure that your interactions with not only the WEOKIE website but also others are safe and secure, and to ensure an optimal experience. We recommend using the most up-to-date version of your web browser.

Set Up Your Security Preferences in Online Banking

You can set your account security preferences at any time in online banking. We use these security options to verify your identity.

Your 2-Step Verification Process

Two-factor authentication (2FA) requires a secondary verification method through a separate communication channel.  2FA improves cybersecurity because it makes hacking an account more difficult due to two separate channels that would need to be simultaneously compromised for an attacker to gain access. We provide this security through the following features:

• Advanced mobile authentication
• Challenge questions
• Login defense
• Advanced mobile authentication

Create a Stronger Password

You may be prompted to create a stronger password. If you have not done so, we encourage you to help protect your account security by setting a more secure password that meets the following requirements:

• 8-32 characters long
• One uppercase letter
• One lowercase letter
• Either a special character or number
• Does not contain your user name, real name, special dates or company name
• Does not contain a complete word
• It is significantly different from previous passwords

Additional Password Recommendations

• Use the longest password you're comfortable using, password length adds significant security with every additional character. We recommend a minimum of 16 characters.
• Combine letters (upper and lower), numbers, special characters to create your password, trying to avoid dictionary words and predictable patterns.
• As always, use unique passwords across Internet services, especially financial services.
• Choose a password you can remember without writing it down. If you do choose to write it down, store it in a secure location.

Mobile Device Security

• Make sure you have a password set up to gain access to your device.
• Avoid storing sensitive information on your mobile device in the event that it gets lost or stolen.
• Keep your mobile device’s software up-to-date.
• Disable features not actively in use, such as Bluetooth, Wi-Fi, and infrared.
• Always do a “hard factory reset” to permanently erase all content before getting rid of your current device.
• Sign out or log off when finished with an app, rather than just closing it.
• Utilize antivirus software where applicable.

PC Security

• Maintain up-to-date antivirus protection provided by a reputable vendor.
• Schedule regular scans of your computer.
• Update your software frequently to ensure you have the latest security patches.
• If you suspect your computer is infected with malware, discontinue using it for banking, shopping or other activities involving sensitive information.
• Use firewalls on your local networks to add another layer of protection for all the devices that connect through the firewall.
• Require a password to gain access. Log off or lock your computer when not in use.

Monitoring

It's a good idea to regularly monitor debit and credit transactions. You can sign up for transaction alerts for all of your banking accounts and credit cards. Setting up alerts in online banking is quick and easy – just click on Profile and go to Manage Alerts.

WEOKIE’s Free Credit Score is a FREE service that provides ongoing credit score access, monitors your credit report for key changes, and alerts you through your Online Banking account.

General Good Safety Practices

• Review your credit report annually, at no cost, and without impact on your credit score. Order your annual credit report.
• Monitor your active accounts with your existing financial institutions for fraudulent activity, such as new loans.
• Educate yourself about current threats to consumers. The Federal Trade Commission (FTC) provides helpful information. Visit the FTC website.
• Practice good online habits by learning good password hygiene, how to verify websites, and how to ensure secure connections while using websites.
• Stay aware! Scammers often use breaking news stories, such as massive data breaches or natural disasters, as opportunities to scam individuals. Verify phone calls, do not give out personal or financial information and watch out for phishing emails.
• Never click on suspicious links in emails, posts or online advertising.
• Only submit sensitive information to websites that use encryption. (The website address begins with “https:// rather than http://) The “s” on https is for secure.
• Do not trust websites with certificate warnings or errors, this could mean your connection is being intercepted.
• Avoid “Phishing” scams. You get an email that looks reputable but asks you to call a fraudulent number, respond to the email, or go to a website and enter personal information. Remember, no legitimate WEOKIE representative will ever ask you for your PIN or password by email. Should you give your personal information to a fraudster by mistake, file a complaint at FTC.gov/complaint.

 

If you have a security concern please contact WEOKIE at the following numbers:

WEOKIE Customer Service: 405-235-3030 or 1-800-678-5363

After hours lost or stolen card reporting:

For Visa Debit Cards: 1-800-678-5363 
For Visa Credit Cards: 1-800-558-3424 
For Visa Business Credit Cards: 1-866-552-8855

 

Learn More about Information Security:

OnGuardOnline.gov

StaySafeOnline.org

BBB.org/Data-Security

US-CERT.gov

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