Secured Sign-On FAQs
USU Charter Credit Union takes our obligation to protect the security of our members seriously. That is why we have a security feature that will monitor your account for any uncharacteristic or unusual activity. This security feature is an additional layer of protection to help shield you from fraud and identity theft. Secured Sign-on is an easy to use identity verification feature that gives you even more confidence when using USUCCU’s Web Teller, whether at home, in the office or when you are on vacation.
Once you have signed up for Web Teller you will be required to:
Login using a secure username
Verify your personal image
Answer Security Questions
If anything out of the ordinary is detected, we will ask you to verify your identity using a Security Question that you will set up in advance.
Ease & Convenience
With our security feature you're being protected 24/7
You can rest easy knowing we're always looking out for you
If you read through the FAQs and do not find an answer to the problem you're experiencing, please email us at
. Be sure to describe the problem you're experiencing and let us know which operating system (i.e. Windows 98, 2000, XP ) and browser (i.e. Internet Explorer version 6.0) you're using so that we can pinpoint the problem as quickly as possible.
1. What is this security system?
As our member, we know how you typically behave: what types of transactions you conduct, when and from where. If we detect any activity that does not seem like your typical behavior, we will prompt you to further verify your identity—so that we can ensure it is you and not a fraudster attempting to compromise your account. This will only happen on rare occasions. Normally you will not be asked for any additional information. For example, if someone tries to sign in with your user name and password from a computer in a foreign country shortly after you have logged off from your normal computer at home, we may decide to verify that it is really you trying to access your account.
2. How do I sign up for the security system?
Expect to be prompted at some point while banking online to enter additional information. This may include choosing several security questions that only you know the answers to. Once this occurs you have added a layer of protection to your account!
3. How much will it cost?
There is absolutely no cost associated with the security system.
4. When will I be asked for more information?
You will only be prompted to enter additional information when a particular activity or transaction appears to be unusual or uncharacteristic of your typical behavior. You will also be prompted to enter your information when you are first prompted to set up your security information.
5. What additional information will I be asked?
If any unusual or uncharacteristic behavior is detected you will be asked to answer several of the security questions you chose.
6. What is unusual or uncharacteristic behavior?
Uncharacteristic or unusual behavior is anything that appears out-of-the-ordinary compared to how you normally would bank online and where you normally bank online. If the action being requested does not appear to be something you would normally do, we will ask you for more information to make sure it is really you and not an unauthorized user.
7. How are you able to detect unusual or uncharacteristic behavior?
The security system takes into account factors such as the type of transactions you ordinarily perform, the computers you typically use to access your account, or the typical security settings for your computer. Hundreds of factors, such as these, create a profile that is unique to you that allows us to make decisions about whether the person conducting a given activity and transaction within your account appears to be really you.
8. Will I be asked for more information all the time now?
No, you will only be asked for more information when unusual or uncharacteristic behavior is detected. This will most likely be a very rare occurrence.
9. How do I know it is working?
You only need to complete the set-up process once; afterwards the security system will work automatically. That means you are being protected every moment — when you are online and more importantly when you are not.
10. Is my personal information still safe?
Yes. Your personal information is safe because we are making sure it is really you and not an unauthorized user trying to access your information.
11. How will this help prevent online fraud?
If your user name and password are stolen, the fraudster would have to be able to answer your security questions correctly. If the user is unable to provide this information, the activity would be blocked. This added layer of security helps us protect your online account at all times.
12. I check my account very often, wouldn’t I know if something unusual showed up on my account?
It is great you check your account! It is always a good idea to regularly monitor your account for any unusual activity (like payments you didn’t make). This security service helps prevent those incidences from ever occurring, so when you check your account everything is exactly how it should be.
13. I already have anti-virus and a personal firewall. Why do I need this?
We are glad to hear you use antivirus and a personal firewall. Be sure that you keep both software programs up-to-date for the best possible protection against viruses, Trojans, and hackers. This security feature protects against another kinds of threats such as a stolen user name and password. It works with your other personal security programs, but it does not replace them.