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Highmark Federal Credit Union
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FAQ

Don't Reuse that Password 

Wise advice from our friends at KnowBe4.com
 
Today, data breaches are more common than ever. A data breach is a leak of sensitive or confidential information, whether intentional or unintentional. It is almost a guarantee that at least one of your passwords, past or present, has been exposed by a data breach.
 
When passwords are exposed, hackers can buy them for a small sum, giving them unlimited access to your accounts and sensitive information. And, if you’ve used that password for multiple online accounts, bad guys could access those accounts too. So, if you’re still using your old MySpace password for your Facebook account, change that password immediately!
 

Here are some tips to keep in mind when creating new passwords:

Make your passwords complex
Complex passwords use at least eight characters with a combination of upper and lower case letters, numbers, and symbols. Example: a3D$8k0*
Use passphrases
Passphrases are a phrase or sentence. Don’t use the lyrics of your favorite song or a quote from a book! Make it unique but make it something you can remember. Example: Pa$$wordSafety1sC0ol
Use a password generator
Password creators such as LastPass and 1Password can generate passwords for you.
Don’t use variations of your old passwords
Hackers know that untrained users will do this, so they use automated tools to figure out these variations.
As a simple example, if your password is “Password”, don’t make it “Password1”. Hopefully, none of your passwords are actually “Password”! Whether or not you’re sure that your password has been exposed, make the safe choice and make all of your passwords unique. Not sure how to keep track of all of these unique passwords? Ask your IT team or supervisor if they can recommend a password or credential manager that you can use.
 

7 Benefits of Switching to E-Statements


Are you constantly dealing with a barrage of junk mail that clogs up your mailbox? Drowning in papers needing sifted through? Are you always afraid to throw out any paper from your financial institution, fearful that you’ll be throwing sensitive material into the trash and making it an easy steal for would-be scammers?

If this sounds familiar, you may benefit from switching to electronic account statements.

Electronic statements (eStatements) are similar to paper statements, except for the fact that they’re delivered electronically. At the end of each statement period, which is generally monthly for checking accounts and quarterly for basic savings accounts, you’ll receive a notification from the credit union informing you that your statement is ready to view through the online banking portal, app, or by downloading from a secure site. Once you access the eStatement, you’ll find it has all the information you’re used to receiving in your paper statements. You can also access your eStatement by logging into your online banking site or app at any time throughout the month.

Quick, convenient and clutter-free, eStatements are the way of the future. Here are seven reasons to consider switching to eStatements.

  1. Save Money

To produce and mail statements, Highmark needs to charge you $1.00/month for paper statements. By switching over to e-Statements, you would save $12.00/year per account. That’s enough to treat yourself to a few extra cups of coffee, ice cream cones or pieces of pie! 

  1. Check your accounts at a glance

With eStatements, there’s no need to wait for your monthly statement to arrive in the mail. Just a few clicks and you get your account statement at any time, from anywhere, using the mobile device of your choice. Some financial institutions also offer members the option of signing up for financial alerts, such as a warning when your account is running low and in danger of being overdrawn. With eStatements, managing your accounts is easy.

  1. Clear out the clutter

Why bother with piles of paperwork when you can access your accounts online? It’s neater, cleaner, and helps cut down on the correspondence you have flooding your mailbox. You’ll also save time sorting through papers when you can find your last account cycle balance with just a few quick swipes.

  1. Keep your information safer

No matter how careful you are with papers containing sensitive data, there’s always a chance you can miss something and it’ll end up in the wrong hands. It can also be a pain to keep track of every incoming piece of snail mail and to dispose of it properly. With eStatements, you’ll never have to worry about losing a paper that contains confidential banking information, or mistakenly tossing it into the trash where it can be easily accessed by identity thieves.

Some people are wary about sending sensitive information online and are fearful that an eStatement can easily be hacked. However, you can access your account balance online with confidence, knowing that Highmark Credit Union uses several layers of protection to keep your information absolutely safe.

  1. Monitor your accounts frequently for fraud

When you have instant access to your accounts throughout the month, it’s a lot easier to check for signs of fraud. Plus, when you spot the fraud sooner, you can take steps to mitigate the damage earlier and have a better chance of a full recovery.

  1. Eco-friendly

When you choose to receive your monthly account statements electronically, you’ll be doing the environment a favor. Less paper statements means less paper waste and fewer trees getting felled for something that will ultimately be tossed. Go green for the environment with eStatements!

  1. Safe and secure storage

Filing cabinets are so last century. With eStatements, you’ll never stress about misplacing your account statements again. Your online banking portal or app acts as a convenient and secure filing cabinet, storing your account statements for you to access as needed.


HOW DO I SIGN UP FOR E-STATEMENTS?

The instructions for signing up for e-statements are as follows:

  1. Sign into your account
  2. Select (Click On) the savings/checking account (or any other share/loan) you want to enroll 
  3. Select “Settings”
  4. Select “Documents”
  5. Select “Enroll all accounts”

We've gathered some of our most popularly asked questions since the new website and online platform launched, and want to share those Questions and Answers with you here:

Q: On my mobile app, why can't I see the detail of the transaction when I use my Highmark credit card? All it shows is Loan Advance or Recurring Loan Advance and the amount. 
A: Great question. Lots of members are confused by this. Simply click on the individual transaction under that specific date and you will be able to see the full detail about where the card was used. 

Q: How do I log off the Mobile App? I want to be sure I am logged off and it is secure.
A: There is no log off button for the mobile app.  As soon as you close the app or switch to a new app, you are automatically logged out and will need to log back in. 

Q: How can I find my e-statements?
A:  You can find statements by clicking on the title to one of your accounts and then choosing Documents from the next list of to do items. 

Q: I want to deposit my check remotely. Why can’t I find that on the app?
A:  You must be signed up for e-statements in order to have access to remote deposit.  Follow the instructions for e-statement sign up under Documents to sign up!

Q: Why does the app keep sending a passcode to my phone when I already did this once?
A:  Whenever you use a new IP address to connect to your account, multi-factor authentication will trigger and send a passcode to the phone of your choice.  Either by text or call.  If the original method chosen is not your preferred method to receive the code, please call 605-716-4444 and a representative can reset your authentication so you can set up a new method of authentication.

Q: It doesn’t look like Quicken is working with this app. Why not?
A:  You must reconnect Quicken to the new system.  This means you will need to disconnect from the old system and re-add your account with Highmark in order to connect to the new Online Banking System.  Please contact Quicken if you need help with this process.

Q: With all the economic uncertainty now, I’m wondering if it’s safe to keep my money in my Highmark accounts. Should I be withdrawing my funds to keep them safe?
A: COVID-19 has pummeled the economy in an unprecedented way, and financial experts say the economic fallout of the pandemic is just beginning. But that doesn’t mean you need to start hoarding your money under your mattress. You don’t need to worry about the money you have at Highmark Credit Union. The country may be battling a raging pandemic and the economy might be barely limping along, but neither of these factors affect the security of your funds here at our credit union. As always, Highmark is federally insured up to $250,000 per single owner share by the National Credit Union Administration  This means your money is protected here no matter what’s happening on Wall Street or to the global economy. The economy might be unstable right now and the immediate future of the country still unknown, but there’s one thing you can count on:Your money is secure at Highmark. To get the exact amount that your shares are insured for, based on the number and kinds of accounts you have, check out the link here, provided by the National Credit Union Administration. 
 

And Did You Know?

Account Nick-Names: You can nickname your accounts through online banking so you can distinguish between multiple accounts across multiple membership numbers.  You can nick-name accounts by clicking on settings and then hitting the rename link next to the current account name on this page. 

Check re-orders:  Currently you cannot request a check re-order while logged into your account.  (We are working to get this option integrated).  For now, please go to our homepage and click on tools and services then choose check re-order from the drop down list to re-order checks. 

External Accounts:  You can now transfer between institutions by setting up external account transfers.  From the mobile app this is located under Menu>Settings>External Transfers add an account.  From within your browser log in this is located under Transfers>External Accounts then +External Account.  Initially it will take 24 to 48 hours to set up the account because two deposit test transfers must be verified before regular transfers can take place.  You will enter the deposit amounts of the two small test transfers in the same spot you went to add the external account. 


If you have further questions, or just need some assistance finding your way around the new app, please call us Monday -Friday 8:30-7:00 at 1.800.672.6365 or reach out here

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