Customers are not responsible for unauthorized charges; however, there are steps consumers can take to help protect their accounts.
- Protect your debit and/or credit cards at all times; don't share cards or PINs with others.
- When using ATMs, be aware of your surroundings. Before using the ATM, look closely at the card slot and PIN pad for any abnormalities and glance up and around to see if you notice any cameras. If anything looks strange or unusual, do not use the ATM.
- If you notice odd or peculiar behavior by others at an ATM (inserting a cable or using multiple cards to withdraw funds at one time), contact local law enforcement and the institution; do not use the ATM.
- Be aware that institutions usually won't contact you via text message or email about your debit or credit card, unless you have previously agreed to this method of communication; if you receive a suspicious text or email message claiming to come from your financial institution, contact your institution to check the legitimacy using the number on the back of the card.
- Be aware that phone calls you receive may not actually be from your bank or credit union. You should not provide the full card number, PIN or CVV code over the phone. When in doubt, call the number on the back of your card to verify contact.
- Be on guard against phishing attacks and do not open attachments or click links in emails you were not expecting.
- Use two-factor authentication and other security features offered by your financial institution to protect your accounts.
- Sign up for text or email alerts from your financial institution for certain types of transactions, such as online purchases or transactions of more than $500.
- Notify your FI as soon as possible if you suspect that your card PIN or electronic banking credentials have been compromised.
- Review account statements for any transactions you do not recognize; promptly notify your FI if you notice any unauthorized account activity. A small transaction (ex. $0.01 or other small amounts) may be indicative of a criminal "checking" the card information to see if it is legitimate. A larger fraudulent charge typically follows.
At Union Bank, our mission and purpose are guided by the following principles:
- We will provide our CUSTOMERS the best in service.
- We will be an exemplary corporate citizen in the COMMUNITIES that we serve.
- We will provide our EMPLOYEES a rewarding employment experience.
- We will provide value to our SHAREHOLDERS.
We are a responsible corporate citizen. We support a number of worthy causes in our communities, in the areas of education, public services, and economic development. Our directors, officers and employees are active in a number of charitable and civic organizations.