Privacy & Disclosures

USPS FCU 'CU E-LINK' Home Banking Security

Network Security

With the Internet as the fastest growing form of commercial exchange in the world, the need for tighter security is paramount. Therefore, U. S. Postal Service Federal Credit Union (USPS FCU) has taken a serious approach to security. From the ground up, we have implemented a security system that safeguards your money and keeps your account information private. USPS FCU has been equipped with a protected environment using a nationally recognized networking architecture consisting of data encryption throughout the transmission to prevent unauthorized access. Layers of security include automatic sign-off, encryption, firewalls, and password lockout.

Automatic Sign Off

Sometimes you may be using a remote computer when you're banking online, thus remembering to sign off is very important. However, if you do forget to sign off, USPS FCU will automatically sign off for you after a predetermined time period of inactivity. This prevents curious persons from continuing your home banking session in case you have left your PC unattended without logging out. However, we recommend that you always sign-off (log out) when you are done with your online banking.

Encryption

USPS FCU utilizes different types of technology to ensure the confidentiality of its transactions through the Internet, such as Netscape's Secured Sockets Layer (SSL) protocol. SSL is an open protocol for securing data communications across computer networks which provides secure channels for data transmission through encryption. SSL also provides transfer capabilities of digitally signed certificates for authentication procedures. Certificates of authentication offers message integrity, thus ensuring that data can not be modified after it's sent.

Firewalls

The Credit Union is protected by a firewall, which is a barrier between the outside Internet and the internal Credit Union network. The firewall verifies each network packet and determines whether to permit access. All incoming IP traffic is actually addressed to the firewall, which only allows pertinent information to flow into the Credit Union.

Password Lockout

In order to bank online, you need to know a unique password. When you enter your password, it is compared with the password we have stored in our secure data cent. If someone else is trying to enter a password to view your banking information, he/she won't get very far. USPS FCU allows only 3 chances to enter a password. After 3 failed attempts, it is determined to be fraudulent activity and the account is 'locked out.' No further login attempts will be allowed until you call us to reinitialize the account. We will monitor and record 'bad-login' attempts to detect any suspicious activity (i.e., someone trying to guess your password). You play a crucial role in preventing others from logging on to your account. Never use passwords that are easy to guess. Examples of bad passwords are: Birth dates, first names, addresses, phone numbers, social security numbers, etc. Never reveal your password to another person. You should periodically change your password in the User Option screen of online banking.

USPS FCU is dedicated to providing alternative banking options with stringent security measures for our members. We have your privacy, protection, and peace of mind at the forefront of our online banking solution, CU E-LINK

BillPayer Guildelines

By enrolling in BillPayer, you the Credit Union member hereby authorize the U. S. Postal Service FCU to make payments on your behalf by debiting the member's designated account and transferring the funds to the designated merchant accounts as indicated by the member via Internet BillPayer. The agreements, rules, and regulations applicable to your checking accounts, savings accounts and other accounts, serviced by your Credit Union, remain in effect and continue to be applicable, except as specifically stated in this agreement.

When scheduling payments, please allow 2 business days for electronic payment and 5 business days if paying by check. (Choose a payment date at least 2 days prior to the due date on your bill when paying electronically.)

Scheduled payments that fall on a Saturday or Sunday will be paid on Monday. Scheduled payments that fall on a holiday will be paid the following day.

Open payee enrollment gives members unlimited capacity to add payees. In order to establish a level of quality control, your payees will be notified. Successful notification can take up to 14 days. Therefore, when setting up a payment for a new payee, please wait until the Payee Status reads 'available'.

The following merchants may not be used for making payments:

  • Tax entities (IRS, state and local tax authorities)
  • Collection agencies · Court ordered payments (child support, etc.)
  • Payees outside the U.S.

The following merchants may be used but the payment guarantee will not apply:

  • Payees with Armed Forces postal codes (AP, AE)
  • Payments to settle securities transactions
  • Payoffs on 'special financing' transactions
  • Unprocessed payments due to debit failures

Additional fees may be incurred for late payments or insufficient funds on your account. There is no limit to the number of payees and payments that you can set up using this service.

The maximum single payment to any designated payee is $25,000.

Linked Sites

Our site includes links to external sites that U. S. Postal Service Federal Credit Union is not necessarily affiliated with and these sites are not under our control. U. S. Postal Service Federal Credit Union is not resposible for the content or availability of linked sites. The privacy and security policies of linked sites may differ from those practiced by the Credit Union.

USA Patriot Act

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What This Means For You

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

We ask for your support as we are working to support efforts to maintain the security of the Credit Union and the country.

 
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