Safe Computing

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Awareness is your best defense against scams, phishes, and hoaxes.

The information below provides an overview of internet safety and scams. It is not all inclusive and we encourage you to continue your education beyond what is provided here.

Perhaps the greatest threat to your account information is giving your member number and/or password to another individual. Please remember:

  • No one except a joint account holder needs to know your member number and/or password.
  • No employee of HVFCU will ever ask you for your Internet Banking password information. Call us immediately at 845.463.3011 / 800.468.3011 if any person, whether an HVFCU employee or not, attempts to learn your password.

The following information is provided to help protect yourself against fraud.

You Should Be Concerned If:

  • You receive a negotiable item (official check, money order, business check, personal check, etc.) in response to something you sold over the internet.
  • You are asked to send a wire transfer or a money order or otherwise return any portion of negotiable instrument proceeds to a third party.
  • You have any reason to suspect that a negotiable item you receive is not valid.
  • The negotiable instrument is drawn on a business or individual account that is different from the person buying your item or product.
  • The amount of the negotiable instrument is more than the item¹s selling price.
  • You received the negotiable instrument via an overnight delivery service.
  • The negotiable instrument is connected to communicating with someone by email.
  • You have been informed that you were the winner of a LOTTERY, such as Canadian, Australian, El Gordo, or El Mundo, that you did not enter.
  • You have been instructed to either wire, send, or ship money, ASAP, to a large U.S.
    city or to another country, such as Canada, England, or Nigeria.
  • You have been asked to pay money to receive a deposit from another country such as Canada, England, or Nigeria.
  • You are receiving pay or commission for facilitating money transfers through your account.
  • You responded to an email requesting you to confirm, update, or provide your account information.
  • You are being asked to open an account as a result of a job offer you received online.

Don’t Be a Victim

  • If the negotiable item is later returned, you will be held liable for the bad check.
  • We are not able to tell you when a negotiable item you deposit will clear.
  • Even when we lift a “hold” on funds from a deposited negotiable instrument, that does not mean the item has cleared.
  • If funds are to be held by a third party, or escrowed, be sure it is a party you can trust.
  • Remember, always exercise extreme caution when conducting business with strangers.

© 2015 Hudson Valley Federal Credit Union

PO Box 1071, Poughkeepsie, NY 12602-1071
ph: 845.463.3011 / 800.468.3011

Routing Number : 221979363
HVFCU Prepaid Visa Routing Number: click here


Unauthorized Access Warning – Access to Internet Banking is restricted to authorized HVFCU members only.