Tips to Protect Yourself Online
Long strong passwords: Use multiple long passwords that don’t contain personal information and don’t write these down. It is recommended to use random phrases that are easy to remember but difficult for bots and scammers to guess. A good rule of thumb to include three different words in your password.
Never share your pin or credit card number online: Once you send something online, that information is available to everyone. If you send a pin, password or credit card information through email, a Facebook message or an unsecured web page, hackers may be able to access that information. We strongly recommend never sharing this information with anyone. It may also be a breach of your terms and conditions to share this information.
Don’t reply, just delete the email: If you believe you have been targeted by a scammer, don’t reply or click into the email and delete it right away. This is your best bet to protecting yourself from potential viruses/malware.
Keep your Credit Union informed: If you believe your personal details or login information has been exposed, contact your credit union immediately to update passwords.
Find out who you are dealing with: Unsure of the legitimacy of the business/person you are dealing with? Google them and do your own research. All financial businesses are listed on the Disclose register (https://disclose-register.companiesoffice.govt.nz/) while all NZ companies are listed on the Companies register (https://companies-register.companiesoffice.govt.nz/). This is a good way to check if a business is legitimate.
Don't share banking/personal information while on a public Wi-Fi network: Hackers are known to steal information from unsuspecting people who are logged into shared public Wi-Fi networks. It is advised to not perform internet banking when on these public unprotected networks and instead wait until you are at home on a secured network.
Safety Features at Unity
We aim to make the online banking experience as safe as possible for our members. You can read up on some of our safety features below:
Two-Factor Authentication: Certain transfers via internet banking require two-factor authentication. This is where a code is sent to the mobile device we have on file for you, and entered into the payment screen before a transaction can be completed.
Password Strength Level Requirements: All personal passwords must pass a minimal strength level requirement before being accepted. This is to further secure access to a members accounts through strong passwords that hackers can’t guess.
Mobile Banking App Download: The initial download of the app requires full internet banking username and password to prevent unauthorised access.
Dedicated Member Services Team: Our member’s services team are actively investigating unusual activity on member’s accounts. Our team will contact you if they believe there is any suspicious transactions being made and confirm that these are being made from you. It's important you regularly review your transactions to ensure they are all known to you. Let us know in advance if you are planning on leaving the country and spending money overseas, this will help us when investigating unusual spending.
What Should I do if I Have been Scammed?
Ring us immediately if you believe you have been scammed or if someone is attempting to scam you. As your banking service provider, we will be able to investigate any activity on your account and take the necessary action where required to protect your funds. You should also report scams via NetSafe or to the Police via 105, even if the scammer was not successful.
Our staff will never ask you for your internet banking/mobile banking password or PINs. If someone rings up stating that they are from Unity and requests your password or PINs, please hang up and call us. Let us know what the caller said so the scam can be reported to the appropriate authorities.
If you wish to speak to someone in person, you can view our Contact Us Page below and find your nearest branch.