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Security

Security

At Harborstone, we know that your personal financial information is an asset worth protecting. In addition to the activities we do to keep your information secure, we can help you stay informed about the latest scams—and how to avoid them.

 
CURRENT ALERTS

Real-Time Security and Fraud Alerts

In a time when fraud, scams, and identity theft are a real concern, Harborstone uses the latest security protocols to ensure that your financial transactions and personal data remain confidential. We will keep you updated about the latest scamming tactics to help increase awareness of security issues.

Breach Alert: Equifax Data Breach

You have likely heard about the Equifax data breach that was announced on September 7, 2017. This breach is estimated to affect 143 million individuals. Because of the size of this incident, Harborstone realizes that some of our members could be impacted. We are here to help however we can.

Whether a large breach has been announced or not, it’s always a good idea to do the following:

  • Monitor your accounts and watch for fraudulent activity. Notify your financial institution(s) as soon as possible to address any unauthorized activity.

  • Check your credit report annually. We recommend AnnualCreditReport.com. It’s a free service and does not impact your credit.

  • Beware of calls or texts asking for personal information and details. Unfortunately, fraudsters see these types of situations as opportunities to phish for information.

  • See our security articles and resources for ways to proactively keep yourself and your finances safe. Topics covered include password safety, preventing fraud while traveling, digital money security, and more.

With the recent Equifax breach and the size of it, here are a few additional steps you can take to safeguard yourself:

  • Keep yourself informed on the breach details and any current discoveries found as the breach is researched.

  • Sign up for credit monitoring or fraud alert services. Be sure to read the fine print to ensure that you aren’t giving up any rights or agreeing to more than you intended to by signing up for the service.

  • You can actually freeze your credit with Equifax, Experian, and TransUnion. Doing so will prevent anyone from using credit to gain a loan or line of credit, including you. If you freeze your credit, remember to unfreeze it should you find yourself ready to apply for something. Learn more about freezing your credit.

Phone (253) 584-2260
Phone 1-800-523-3641
 
ACCOUNT PROTECTION

How We Protect Your Account

Our members' account and personal information security is our top priority.

 

REST ASSURED KNOWING:

You do not need to call us unless you see transactions you do not recognize. We are actively using our fraud-monitoring tools to look for abnormal transactions or spending and ATM patterns—and to help us block these transactions.

We will let you know if we see unusual activity on your account.

We will send you a new card if we determine that to be necessary.

We regularly monitor Harborstone member accounts for unusual activity and encourage you to check your account activity using Online, Mobile, and Telephone Banking, as well as text and email alerts.

We will call you to verify transaction information only. If you receive a phone call from someone saying they are from Harborstone and asking for sensitive account information, please hang up and notify us immediately by calling trusted, official Harborstone phone numbers.

WHAT YOU CAN DO:

Continue using your Harborstone card(s).

Make sure that your contact information is updated so that important account information and new debit or ATM cards are not being sent to the wrong address. You'll also want to notify us when you have a change in your phone number or email address. This will allow us to appropriately contact you when necessary.

Download the CardValet® app, allowing you to receive real-time alerts every time your card is used, instantly turn your card on or off, block certain merchant types or international purchases, and much more.

Enroll in Harborstone's free Account Email Notifications or Mobile Text Banking by logging in to your Online Banking account so we can let you know about specific activity on your account.

Switch to eStatements, get email alerts when your statement becomes available, and relax knowing your account information is safe and secure.

Familiarize yourself with Harborstone's Online Banking security standards.

Regularly check your credit report. You can check your credit easily online, and doing so can help catch signs of identity theft. We recommend using AnnualCreditReport.com or each of the three national credit reporting agencies (Experian, Equifax, and TransUnion) once every 12 months.

WHO TO CONTACT:

If you find yourself in one of the following situations, we're here to help. Give us a call.

Phone (253) 584-2260
Phone 1-800-523-3641

To report a lost or stolen ATM or debit card or for general questions regarding your ATM or debit card

To initiate a fraud claim or a transaction dispute on your ATM or debit card

To report a lost or stolen personal credit card

To report a lost or stolen business credit card

Identity Theft or Misuse of Your Personal Information

If you believe you are the victim of identity theft or have reason to believe your personal information has been misused, you should immediately contact the Federal Trade Commission and/or the Office of the Attorney General in your home state. You can obtain information from these sources about steps an individual can take to avoid identity theft as well as information about fraud alerts and security freezes. You should also contact your local law enforcement authorities and file a police report. Obtain a copy of the police report in case you are asked to provide copies to creditors to correct your records.

Federal Trade Commission

FTC.gov/IDTheft
1-877-438-4338
600 Pennsylvania Ave. NW
Washington, DC 20580

 

Office of the Attorney General

Washington State, ATG.WA.gov
(360) 753-6200
P.O. Box 40100
Olympia, WA 98504

 

 
PRIVACY POLICY

We respect the privacy of our members and recognize the importance of maintaining the confidentiality of your personal financial information. Our privacy policy outlines what Harborstone does with your personal information.

Privacy Policy

 
SECURITY ARTICLES

Each month, we highlight a different digital security concern to arm you with the best practices when it comes to using technology.

Cyber Monday
Tips

Read Article

Ransomware and
How to Avoid It

Read Article

Targeted Schemes,
Fraud, and Theft

Read Article

Fraud Control
While Traveling

Read Article

The Importance of
Beneficiary Information

Read Article

Digital Money
Security

Read Article

 
OTHER RESOURCES

The following are non-Harborstone resources that may also be helpful in preventing identity theft or handling it should you find yourself a victim.

Annual
Credit Report

Visit Site

Credit
Bureau—Experian

Visit Site

Credit
Bureau—Equifax

Visit Site

Credit
Bureau—TransUnion

Visit Site

Internet Crime
Complaint Center

Visit Site

FTC Identity
Theft Site

Visit Site

 
SECURITY STANDARDS

We care deeply about keeping your money safe while providing you with easy access to your accounts. With the continued growth of Online Banking and mobile apps, there are increased needs for greater security standards to keep you and your money well protected. Here are answers to some of the most frequently asked questions regarding security.

 

Not seeing your question? Try a search.

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Harborstone Credit Union

Copyright © 2017 Harborstone Credit Union
All rights reserved.

P.O. Box 4207, Tacoma, WA 98438-0207
Transit/ABA Routing Number: 325180870

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