Staying Safe Online
‘Phishing’ / fraudulent emails
Recently there have been quite a few fraudulent emails assuming the identity of banks, encouraging people to share user names and passwords. These authentic-looking messages sometimes include the organisations’ logos and are designed to fool people into divulging their personal information.
We would like to confirm that Rathkeale & District Credit Union does not send any emails to customers requesting their security details or any other confidential information. If you receive an email reporting to be from Rathkeale & District Credit Union asking you to input your details then please let us know. At anytime, if you feel at all suspicious about it, then delete it without opening.
If you are concerned that you may have disclosed any confidential information, please click on ‘new message’ once you have logged in.
‘Phishing’ uses links that appear to be legitimate but actually take you somewhere else. ‘Pharming’ hijacks the domain name so that even if you are a ‘phishing’-aware user who specifically types in the web site you want (e.g. http://www.bbc.co.uk); you will still end up at a different web site anyway.
To help defeat ‘pharming’, you need to check the SSL (secure sockets layer), which provides you with a secure and private connection. When you log-in to Rathkeale & District Credit Union, double-click the padlock symbol at the bottom of your browser to ensure the site certificate is valid and belongs to Rathkeale & District Credit Union. As long as the padlock symbol is there and is issued to Rathkeale & District Credit Union you are not at any risk.
A trojan is a malicious file, usually disguised as something useful, but when activated, can cause loss, damage or even theft of data.
The critical difference between a trojan and a virus is that a trojan cannot replicate itself. The only way that it can spread is if you help it, typically by opening
Once you open this file, the trojan goes to work destroying your computer’s functionality – possibly recording your logging-in details. A good line of defence is not to accept files from someone you don’t know, and if you have any doubts, then do not open the file.
Browsers / operating system
Always try and keep your operating system (e.g. Windows XP) and web browser (e.g. Internet Explorer) up-to-date. They are not infallible products, which is why the makers often provide patches to correct problems. To stay informed, have a look at the following websites: www.microsoft.com and www.netscape.com (or visit the website of the relevant operating system or browser that you are using).
Firewall / anti-virus software
If you can, use a personal firewall and anti-virus software to prevent unauthorised access and viruses being downloaded onto your PC when you’re on the Internet. Do try and remember to keep them updated with the latest versions.
This is a very important area and one you can ensure is kept hidden. You should never write your personal details down or share them with anyone.
Examine all transactions
Regularly check your transactions by looking at your account balances and view transactions. Also look at the ‘last logged in’ time on the left hand side under the menu and compare this to the last time you logged in. If you find anything suspicious then report it, by clicking on ‘new message’ from your personal homepage.
Whenever you are using a PC in a public place such as a cyber café, be extra careful. Ensure there is nobody behind you when you are entering your passwords.
Never leave your PC logged on to your Rathkeale & District Credit Union account. Once you have finished, always remember to log out and shut down your browser. This is especially important if you have been using a public PC