DuTrac Community recognizes the importance of maintaining your personal security and the integrity of your finances. Our online financial services are designed to be convenient and easy to use, but we've established many safeguards to preserve and protect the way you do business with us online. These measures allow us to ensure your identity when you access our online services and protect your information as it travels over the Internet to and from our site.

Encryption

DuTrac Community Credit Union utilizes different types of technology to ensure the confidentiality of its transactions through the Internet, such as Netscape's 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 its 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. If someone else is trying to enter a password to view your banking information, he/she won't get very far. DuTrac Community Credit Union 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.

DuTrac Community Credit Union is dedicated to providing alternative banking options with stringent security measures for our members. We have your privacy, protection, and piece of mind at the forefront of our online banking solution, PC Branch.

 Server Security

Combining the latest secure socket (SSL) technology with a strong server firewall, we can assure you a safe, private session while you access our online financial services.

Online transactions between you and the Credit Union are all encrypted. Encryption is the process of scrambling information (typically for data transmission) so that it can only be reassembled in its original clear text format by someone who has the correct encryption key to do so.

Communicating with the Credit Union via a secure browser and the proper combination of access codes provides the technology to encrypt information as you send it to us, which only we can decrypt. Likewise, when we send personal or account information to you, the technology encrypts it, which then only you can decrypt.

Security encryption verifies server/message authenticity, privacy encryption and data integrity to a 128-bit key (where server-to-user communication gets scrambled for any potential outsiders and would require fraudulent users to crack as many as 2 to the 128th power of combinations).

Additional protection is provided by our "firewall" -- the way we protect our computer systems and your information. Firewalls are like selective barriers that only let authorized users through the Credit Union's system -- and into certain accounts.

Browser Protection

A secure browser protects the information you send and receive over the Internet. The Credit Union requires users of its online financial services to use secure browsers to preserve the safety and privacy of personal and financial details.

To access the Credit Union's PC Branch, our Internet banking service, we require a browser that supports at least 40-bit U.S. security level encryption. Access to the our BillPayer bill payment service, on the other hand, requires browsers that support 128-bit U.S. security level encryption, which is also called "strong" encryption. Since the United States Government does not allow the export of secure browsers with strong encryption anywhere outside the United States, members outside the United States are unable to use the BillPayer service.

You can test your browser's ability to handle different security levels by using the VeriSign Security Advisor (a no-fee service that provides links to upgrade if necessary). For technical assistance on upgrading your browser software, contact your Internet Service Provider (ISP).

Access Codes

Entry to the account services of this website requires the user to provide such access codes as an account number and a password. The combination of these codes identifies and authenticates the user to the Credit Union, permitting the viewing of accounts and transactions over the Internet.

PC Branch: Your account number matches the particular Credit Union account you wish to access. The account number serves to identify you and your account relationship with DuTrac Community Credit Union.

The password is a code that authorized users (members) will have assigned by the Credit Union. Passwords are alphanumeric and case sensitive, with a minimum of eight and a maximum of 20 characters. Users must contact the Credit Union to establish their password within the system.

Once the password is established (to help gain access to PC Branch, the user is encouraged to change the password in the PC Branch system to something that is easily remembered.) To enhance user convenience of the PC Branch, there is no requirement to change passwords on a recurring basis. But changing your PC Branch password within the PC Branch system on a regular basis is recommended to deter password fraud.

To further protect users and their accounts, additional security features include:

• A "freezeout" feature to prevent access after repeated unsuccessful logon attempts;
• A "timeout" feature to automatically log users out of service sessions after an extended period of inactivity.
• To further protect your password, the Credit Union recommends you select something that is easy for you to remember -- but hard for anyone (even people who know you) to guess.
• Avoid using significant dates (i.e., anniversaries, birthdays), phone numbers or extensions, or even street addresses.