Protect your personal and financial information.
Protecting You Every Step of the Way
At XCEL Federal Credit Union, protecting your financial information is our top priority. As fraud and identity theft continue to evolve, we remain committed to using advanced security technologies while empowering our members with the knowledge needed to stay safe.
Security is a shared responsibility and together, we can help keep your accounts and personal information protected.
Use this checklist to help protect your personal and financial information:
- Use strong, unique passwords and enable multi-factor authentication
- Never share your login credentials or verification codes
- Only provide personal information when you initiate the contact
- Avoid using public Wi-Fi or shared computers for financial transactions
- Secure your home Wi-Fi network with a strong password
- Do not open suspicious links or attachments from unknown senders
- Be cautious of urgent or threatening messages—these are common fraud tactics
- Log out of online banking sessions when finished
- Monitor your accounts regularly and set up alerts
- Shred documents containing sensitive personal or financial information
- Review your mail and follow up on missing statements
- Carry only the cards and identification you need
We take a layered approach to security by combining technology, monitoring, and strong internal controls:
- Advanced Fraud Monitoring
- We actively monitor transactions for suspicious activity to help detect and prevent fraud.
- Secure Digital Banking
- Our online and mobile banking platforms use encryption and secure authentication methods to protect your data.
- Multi-Factor Authentication (MFA)
- Additional verification steps help ensure only authorized users can access your accounts.
- Vendor Security & Data Protection
- We carefully evaluate and monitor our third-party partners to ensure your information is handled securely and responsibly.
- Ongoing Security Testing & Reviews
- We regularly assess and enhance our systems and controls to stay ahead of evolving threats.
- We regularly assess and enhance our systems and controls to stay ahead of evolving threats.
Account Security
Be cautious if you notice:
- Use strong, unique passwords for all financial accounts
- Enable multi-factor authentication whenever available
- Never share your login credentials with anyone
- Only provide personal information when you initiated the contact
- Avoid accessing financial accounts on public or unsecured Wi-Fi
- Avoid using shared or public computers for banking
- Ensure your home Wi-Fi network is secure and password protected
- Keep your devices, apps, and browsers up to date
- Install updates and security patches promptly
- Do not open links or attachments from unknown or unexpected senders
- Be cautious of messages creating urgency or requesting immediate action
- Watch for spelling errors or unusual email addresses
- Fraudsters often use urgency, fear, or trust to manipulate victims—pause and verify
- Review your transactions regularly
- Set up account alerts through online banking
- Log out of secure sessions when finished, especially on shared devices
- Report any suspicious activity immediately
- Shred documents containing personal or financial information
- Check your mail regularly and follow up on missing statements
- Carry only the cards and identification you need
- Fraudsters are constantly changing tactics. Be aware of these common scams:
- Phishing & Smishing – Emails or text messages designed to trick you into providing personal information
- Impersonation Scams – Fraudsters posing as financial institutions, government agencies, or trusted individuals
- Card Fraud – Unauthorized use of your debit or credit card
- Identity Theft – Using your personal information to open accounts or commit fraud
- AI & Voice Scams – Technology used to mimic voices or create convincing fraudulent messages
Be cautious if you notice:
- Urgent or threatening requests for money or information
- Requests for passwords, PINs, or verification codes
- Suspicious links or unexpected attachments
- Messages with spelling errors or unusual formatting
If you believe your account or information has been compromised, act quickly:
- Contact XCEL Immediately
- Secure Your Accounts – Change passwords and enable additional protections
- Review Your Transactions – Identify any unauthorized activity
- Monitor Your Credit – Consider placing fraud alerts or freezes
XCEL provides tools to help you stay in control:
- Account Alerts – Receive real-time notifications for account activity
- Online & Mobile Banking Security Features – Monitor and manage your accounts anytime
- Card Monitoring & Controls – Stay informed and take action if something looks unusual
XCEL Federal Credit Union uses secure technologies to help protect your information when you access our online and mobile banking services. Information transmitted through our digital banking platforms is encrypted to help prevent unauthorized access.
Email Communication
Please be aware that standard email is not a secure method of communication.
For your protection:
- Do not send sensitive information such as account numbers, passwords, or Social Security numbers via email
- Avoid responding to unsolicited emails requesting personal or financial information
- Contact us directly using trusted phone numbers or our website if you receive a suspicious message
TransUnion: 1.800.916.8800
Experian: 1.888.397.3742
Equifax: 1.800.685.1111
To order a free credit report
Website: annualcreditreport.com
Telephone: 1.877.322.8228
Information provided by
Microsoft Online Security
