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Security

At HawaiiUSA, our growing relationship with you is our highest priority. That is why we make every effort to ensure the privacy, protection, and security of all your personal and financial information, as well as keeping you informed and educated.

Security tips to safeguard your finances

As cybercrimes increase, it is important that Online Banking users know how to protect their account from malicious attacks. To improve the security of your Online Banking experience and reduce the risk of using the internet, here are five essential measures that you can perform:

  • Prevent unwanted access to your account by refraining from storing sensitive data (e.g. passwords, PINs, card numbers) on your hard drive or mobile device
  • Keep your personal firewall set to the highest level of security possible
  • Ensure that your anti-virus software is operational and current
  • Before you type in your User ID or Password, verify that you are on our secured web page and have an encrypted connection by checking that the internet address (URL) is indeed HawaiiUSA’s and starts with “https://”
  • Know that you are dealing with us by making sure the name of the internet site indicated on the certificate verification matches the name of the site on your screen.

 

If you identify any unauthorized activity or inaccurate information on your account, immediately call us at (808) 534.4300 on Oahu or (800) 379.1300 toll-free, or email us. Download a full version of the Important Facts about your Account Authentication & Online Banking.

Password safety

HawaiiUSA is committed to keeping your account information safe and secure. But whether you’re accessing your account via Online Banking, Telephone Banking, an ATM, or mobile device; you play an essential role in protecting your confidential information from fraud and identity theft.

 

Here are a few best practices for password safety:

  • Use strong password construction:
    • At least (8) characters in length if supported
    • Contains one upper and one lower case alpha character
    • Contains at least one digit and one special character if supported
    • Is not a word in the standard dictionary (English or foreign) or publicly known slang, dialect, or jargon
    • Is not based on personal information such as family names, pet names, date-of-birth, telephone numbers, addresses, social security numbers, etc
    • Does not contain ascending or descending characters or digits, or repeating characters or digits
  • Change your password regularly; at least every 45 days
  • Do not share your password with anyone, write your password down, or store it online or any electronic application
  • Use a different password for each system you access
  • Use trusted and secured sites to conduct financial transactions
  • Use your own computer or mobile device when accessing Online Banking, do not leave it unattended during a session, always log off, and close your browser

Secure your computer

With all the cybercrime and identity theft risk out there, having up-to-date security software on your computer is essential to peace of mind. Make sure you have a firewall turned on and have antivirus software protecting your computer from attacks. Not only will this help to protect the performance of your computer, it can also prevent unauthorized access to your personal and financial data. You’ll also want to be sure to keep your operating system and other software up-to-date; new updates typically will include patches and other fixes to identified security risks.

 

Avoid public networks

With the increasing popularity of working at cafes or other social locations, the urge to take care of some online shopping while you’re out and about can grow quite high. However, if you do plan to make any purchases, it’s best to do it at home. Public access points and public computers provide thieves with the chance to comb the network and steal all kinds of information. You also run the risk of having all kinds of spyware, malware, and bloatware infect your computer. So, if you really need some online retail therapy, your best bet is to wait until you get home.

 

Monitor your accounts regularly

With online banking you have access to your account(s) 24/7, so take advantage of that and be sure to check on your accounts on a regular basis. Look through your recent transactions, at least since your last login, and take special note of any that seem suspicious or unfamiliar. Transactions that pique your interest may be indications of fraud.

 

Mobile Banking* allows you to manage your money on a mobile phone wherever you go, but it's important to follow these security guidelines to thwart any attempts to gain access to your account information. If you notice any strange activity on your account, please contact us immediately at (808) 534.4300.

  • Do not leave your mobile phone or device unattended
  • Set up an auto screen lock on your device
  • Create a password or security pattern to unlock your device
  • Do not share or write down your password
  • Use a complex password for each online account you have and update your passwords periodically
  • Contact your mobile carrier immediately if your mobile phone is lost or stolen and change your Online Banking credentials
  • Do not open links or download attachments from any unknown or suspicious email sender or text message
  • Download apps from well-known and trusted app vendors
  • Remember to log off and close the app or browser when you are done with your banking session
  • Use trusted and secured sites to conduct financial transactions and make sure the web address includes “https://” that is designed to ensure a recognized level of security Be cautious when using public wi-fi connection
  • Use a QR code scanner that checks the URL and asks you before opening the web page
  • Install a security app on your device
  • Avoid clicking the “Remember Password” option because this will prevent people from accessing your account information if your device is lost or stolen

 

*Mobile Banking is required to access the HawaiiUSA Mobile Banking App and Website. You must be enrolled in HawaiiUSA Online Banking to access mobile banking. Enrollment in HawaiiUSA Online Banking Bill Pay is required to access any bill payment services on mobile banking. Standard messaging and data usage fees apply. Please contact your carrier for details. Your mobile device must be registered through the Mobile Banking Service enrollment process.

Although general property crime statistics have been decreasing in Hawaii over the years, it still happens on a daily basis in our islands. Criminals don’t discriminate and anyone can become a victim at any time. HawaiiUSA wants to remind our members to be vigilant when handling money and valuables in public. Here are some general safety tips to help you stay safe:

  • Don’t carry large sums of cash and never display any cash in public.
  • If you do carry cash, don’t carry any more than is necessary; most stores accept checks, credit cards and debit cards
  • If you must carry valuables like important papers, jewelry, cash, etc., choose to wear clothes with inside pockets or use a small bag with a long thin strap that can be worn under your coat or clothes
  • Beware of pickpockets, especially in crowded areas
    • Thieves often work in pairs; one may bump you or distract you, while the other is picking your pocket
  • Never leave valuables unattended even with people you think you know.

 

It is always a good idea to be aware of your surroundings. Criminals are opportunistic. They will usually wait for an opportunity to take advantage of a victim who is unaware and not paying attention. These tips are provided to help our members protect their valuable assets and themselves.

To help prevent fraudulent activity on your Debit Card, HawaiiUSA has blocked Debit Card use in the following countries. Please contact us if you plan to use your HawaiiUSA Debit Card in these locations:

  • Africa
  • Australia
  • Azerbaijan
  • Belgium
  • Brunei
  • Cameroon
  • Canada
  • Chile
  • Columbia
  • Cyprus
  • Darussalam
  • Ethiopia
  • France
  • India
  • Indonesia
  • Ireland
  • Israel
  • Italy
  • Kenya
  • Lebanon
  • Luxembourg
  • Malta
  • Mauritius 
  • Mexico
  • Moldova
  • Montenegro
  • Netherlands
  • Qatar
  • Pakistan
  • Panama
  • Peru
  • Romania
  • Russian Federation
  • Saudi Arabia
  • Singapore
  • Slovenia
  • Slovakia
  • Spain
  • St Kitts-Nevis
  • Sweden
  • Tanzania
  • Thailand
  • Turkey
  • United Arab Emirates
  • United Kingdom

Consumers have free access to their own credit reports once a year. Reviewing your credit report is important to you to make sure your information is accurate, complete and up-to-date before you apply for a loan. It will help guard against identity theft to monitor if any thieves have attempted to take over your accounts. Three nationwide consumer reporting companies, Equifax, Experian and Trans Union, have set up one central website to order your free annual report at www.annualcreditreport.com.

 

You may also request your credit report by calling toll-free at (877) 322.8228. Please be aware that www.annualcreditreport.com is the only authorized source for your free annual credit report. This site and the three nationwide companies will not call you or send you an email asking for your personal information. If you get an email or see a pop-up ad claiming it's from www.annualcreditreport.com or any of the three companies, do not reply or click on any link in the message - it's probably a SCAM! Forward any suspicious email to the Federal Trade Commission's (FTC) database of deceptive spam at spam@uce.gov.

Taking quick action can help to overcome and minimize some of the difficulties caused by Identity Theft and fraud to your financial account and reputation. Here are some actions that you should take right away along with keeping a log of all conversations, dates, names, phone number of the agencies you have contacted, time spent, and expenses incurred. Confirm your conversations in writing. Send correspondence by certified mail and return receipt requested. Keep copies of all documents.

 

File a police report with your local police department and obtain a copy of the report.

 

Contact the Federal Trade Commission (FTC) to report the situation. Provide the FTC with your police report number and obtain a uniform affidavit form from them. You can also report the situation to the local office of the Federal Bureau of Investigation (FBI) or the U.S. Secret Service.

 

Telephone number: 1-877-ID THEFT / (877) 438.4338

Web: www.consumer.gov/idtheft

 

Contact the fraud units of the three principal credit reporting agencies. Request that a fraud alert be placed on your file for 7 years (normally only 3 - 6 months).

 

Request for a copy of your credit report (one free annually).

  • Equifax: (800) 525.6285
  • Experian: (888) 397.3742
  • Trans Union: (800) 680.7289

 

Contact your present financial institution to notify them of your Identity Theft situation. Protect your accounts with access only through a password. Let them know to contact you immediately for any attempts to access your account without the password. Close any accounts that have been compromised.

 

After you have received your free copy of the credit report, contact all the creditors with whom your name or identifying data have been fraudulently used to establish accounts without your knowledge. You may need to cancel those accounts, place stop-payment orders on any outstanding checks that may not have cleared, change your Debit or ATM cards, and change your Personal Identification Number (PIN).

 

Contact major check verification companies if you have had bank accounts set up by the identity thief or checks stolen. Determine which check verification company that the financial institution or merchant uses:

  • ChexSystems: (800) 428.9623
  • TeleCheck: (800) 710.9898
  • CheckRite: (800) 766.2748
  • CrossCheck: (800) 522.1900
  • National Processing Co.: (800) 526.5380
  • SCAN: (800) 262.7771
  • Equifax: (800) 437.5120

 

You may also need to contact other agencies for other types of Identity Theft.

 

Contact your local Postmaster and the Postal Inspection Service if the fraud was committed by use of the mail involving your identity. Call the U. S. Postal Office to obtain the phone number.

Telephone number: (800) 275.8777

Web: http://www.usps.com

 

If the Identity Theft involved the use of your Social Security number, call your local office of the Social Security Administration to report the fraudulent use and to determine whether you fit their fraud victim criteria before ordering a change in your Social Security number.

Web: www.ssa.gov

 

Whether you have a passport or not, write the passport office to alert them to anyone ordering a passport fraudulently.

Web: www.travel.state.gov/passport

 

Driver’s License number misuse. You may need to change your driver’s license number if someone is using yours as identification on bad checks or for other types of fraud. Call the local office of the Driver’s License at (808) 532.7700 or go to the Satellite City Hall nearest to you.

The Federal Trade Commission is a great resource for learning about national security and identity theft news. Click on any of the topics listed below to visit their website and learn more.

·       FTC Identity Theft

·       Signs of Identity Theft

·       Steps to Repair Identity Theft

·       Keep Personal Info Secure

·       Recent FTC Scam Alerts