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Security Policy

The United States Senate Federal Credit Union 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 — detailed here — 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.

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 CU AnyHour Internet banking service requires a browser that supports at least 40-bit U.S. security level encryption. Access to the Bill Pay 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 Bill Pay 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.

CU AnyHour Internet banking service: 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 the United States Senate Federal Credit Union.

The password is a code that authorized users (members) can choose or 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 the CU AnyHour service), the user is encouraged to change the password in the CU AnyHour system to something that is easily remembered. To enhance user convenience of the CU AnyHour system, there is no requirement to change passwords on a recurring basis. But changing your CU AnyHour password within the CU AnyHour 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.

If you think your password has been compromised, call us at 800.374.2758 Monday through Friday, 8:30 am to 4 pm EST.

Bill Pay bill payment service: Bill Pay subscribers are assigned a "service account number" and a "personal security code" to access the Bill Pay area of our website.

The Bill Pay personal security code is delivered to subscribers in a separate mailing. Upon receiving the "service account number" ("user name") and the "personal security code" ("password"), the subscriber may log into the Bill Pay service. For the user's protection, we recommend changing the user name and password upon logging in.

If you need more details about the Bill Pay service, contact CheckFree's Customer Care support at 1 (888) 918-7516, 24 hours a day, seven days a week. You will need to provide the nine-digit "Service Account Number" provided in your Welcome Letter.

Using CU AnyHour Internet Banking and Bill Pay Safely

Keeping your personal and account information safe while online is your responsibility, too. To ensure your online Privacy, we recommend you:

  • Eliminate cached pages before leaving a shared or public computer.
  • Don't share your password with anyone.
  • When you can, choose passwords that are hard to guess — but easy for you to remember.
  • Avoid choosing the same password for everything that requires a password.
  • Don't leave your computer while it is in the middle of an Online Banking or Bill Pay session.

For additional information about the United States Senate Federal Credit Union's website Security, inquire via , at any branch office, or contact us at 800.374.2758.

Members' Voice Testimonials

USSFCU puts members first and helps people. Compared to U.S. banks, which forget their humble beginnings and often behave like (they are) above the law. Credit unions seem to have maintained their purpose and USSFCU is among the best. I am proud to be a member and grateful for the service provided by USSFCU.

I've been a member for about 31 years now and I've always been able to count on the USSFCU when I've really needed them.

Excellent customer service. Staff are knowledgeable, responsive and able to provide individualized help. I live in another state and am still amazed how easy it is to use USSFCU for all my financial needs. It has always been this way and with technology solutions, it is easier than ever. But it is the personal assistance that really makes the diffe...

Been a member for a very long time. I have always been treated with kindness and expertise. Keep up the good work!

Love the phone calls regarding possible suspicious activity with my account. It's reassuring to know that everything is safe.

I would recommend the USSFCU based on the excellent customer service I have received from the Senate Credit unions I have visited (Eisenhower and GAO).

Accessibility and customer service have been exceptional. I have been a member for almost 40 years and have always been satisfied with the service and professionalism of the staff.

USSFCU cares about those who bank with it and that caring is not lip service but translates into action.

I have been with the credit union for almost 15 years and all in all am extremely pleased with the service I have gotten. Definitely better than any bank.

Very personable, solution based and takes in interest in your situation.

Unfailing service by dedicated staff. I feel that USSFCU has my back. Staff has gone to bat for me whenever needed. I'm not aware on any mistake or inconvenience in my 30 years of membership. Excellent long term leadership, continuity and service by board.

Easy to become a member and superb customer support. I dealt with two different USSFCU representatives and they were fantastic. I was able to reach them immediately or if they were tied up they contacted me as soon as they became available. They helped me open an IRA and answered any and all questions with great attitudes and professionalism. They ...

The credit union provides relatively good services and the security updates to the system are noticeable.

It took a matter of minutes to open the account and purchase a CD. The credit union that I have done business with for about 40 years took more than a week to close a joint account and transfer the funds to a new account when my husband died.

Outstanding online and mobile banking services. Professional, Courteous, knowledgeable responsive staff!

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