Security and Protection



KCU is committed to the safekeeping of member’s personal information in order to prevent its loss, theft, and access, disclosure, duplication, use or modification without member authorization. We will accomplish this by employing security measures to protect the information. These measures for physical security include locks, access cards, employment of guards for premises and passwords, encryption and personal identity codes for electronic security. Access to information is restricted to authorized employees who have a legitimate reason for requiring the information and each employee must agree that the maintenance of confidentiality is a condition of employment with KCU.


In addition to the many measures that KCU employs, you can protect your personal information by being vigilant and utilizing some of the following steps:

  • Keep your account information, user ID, personal access code (PAC), and other personal information confidential, change these codes on a frequent basis and store them in a location known only to yourself.
  • Review your monthly account statements thoroughly and report suspicious activity to KCU immediately.
  • Verify the identity of any person asking for your personal information by phone before you provide information, including anyone calling from KCU.
  • Refrain from using email to send sensitive or confidential information.
  • Log off of your online applications when you are finished conducting business online so that no one else can enter your accounts.
  • Update the software and operating system on your home computer including your personal firewall, anti-virus and anti-spyware protection on a regular basis.
  • Shred unwanted printed financial and account information like statements or receipts so that they don’t fall into someone else’s hands.
  • Update your address and contact information as soon as you move.
  • Know how to identify a real website from a fictitious one.
  • Avoid using computers that have set up for shared public purchases whenever possible i.e. internet cafes, libraries, hotels.
  • Make sure your internet browser supports 128-bit encryption.
  • Clean your cache by securing or erasing files stored on your computer so others cannot read them.
  • Disable automatic save features in your internet browser and software that you use to access the internet.
  • Ensure safe and secure internet access by only visiting reputable sites in order to avoid malicious software that can be installed on your computer simply by visiting the site.
  • Shield access to your passwords from prying eyes whenever using a public computer.


Members are cautioned to be alert to and aware of various scams and scam artists who can drain account balances and damage your reputation and credit rating sometimes without your even being alerted to the nefarious activity. Identity Theft results when key pieces of personal information (name, birth certificate, credit cards, driver’s license, passports, social insurance numbers etc.) are stolen and used to impersonate you and commit crimes in your name. Important documents are stolen from your mail or garbage without your knowledge or may be obtained from unattended desks or during home break-ins. Sometimes a fellow employee may be the culprit. Once the information has been stolen, your identity can be used to go on a spending spree, open accounts, redirect mail, apply for loans, credit cards and even social benefits Warning signs of Identity Theft include suspicious transactions on statements/passbooks, credit card statements from companies you do not use, missing mail or statements, delinquency notices, applications for credit that you did not authorize. Members who expect they have been victimized by Identity Theft should call us immediately at 604-507-6400 or email at


Phishing scams frequently appear in email/text messages and invite recipients to click on a link to verify security information. The link then connects to a website that looks very much like the actual website of the financial institution. Recipients are enticed or threatened to log in as they normally would by entering their account number and access code. They may then be asked for other information which is used to commit fraud. If you receive such a message, do not click on the link or respond in any way as it may compromise your computer or smartphone. Simply pick up the phone and call your financial institution. You can also forward the scam text message to your mobile service provider by texting 7726(SPAM).


While taking precautions will definitely lessen the likelihood of being scammed, there is always the possibility that it can happen to you. If you are an innocent victim of fraud or forgery, speak to one of our friendly service representatives to discuss ways to deal with the problem and avoid it in future. By working together, we may be able to put the perpetrators behind bars where they belong.