Security Center

Your password, and one-time login security codes are for your eyes only.

Gain will never ask you for them by phone, text, email, or social media.

Even sharing them with someone who claims to be from Gain puts your accounts at risk.

• Never share your login details with anyone
• Never share the eight-digit security code (ex. 1234-5678) that is sent to you when you login to Online & Mobile Banking, not even with Gain staff
• Use a unique, strong password and a unique username for Online and Mobile banking
• Review your security settings in Online Banking or our mobile app today

Your Online and Mobile banking login information is private. Let’s keep it that way.

Scammers frequently use urgency to trick people into sharing personal and confidential information. Never give in to a demanding request for personal or banking information even if they say your account will be frozen.

Stay vigilant and protect yourself:⁠

• Never share your online banking username, password, or one-time login security code.⁠
• If something doesn't sound or feel right, hang up.
• Contact Gain directly using a phone number listed at GainFCU.com/Contact to verify the request.⁠

A quick verification can help keep your information secure.⁠

When you login to online banking, you'll often receive an eight digit code (ex. 1234-5678) as a security precaution. This is a login security code. Scammers would love to know your login codes; don't share them with anyone!

This is different from the six-digit codes you may receive over the phone when Gain needs to verify your identity on a call.

So stay vigilant:⁠

• Gain will never ask for your eight-digit login security code. We don't need it... ever!
• Never share your login security code with anyone – in person, over the phone, in a text, or by email.
• Only enter your security code on websites or apps you trust.⁠
• Still not sure? Contact Gain directly.⁠

Protect your login codes. Protect your account. Protect your money.

We Look Out For You, But Only You Can Prevent Cybertheft!

Our first line of defense is as old-fashioned as it gets. Our frontline staff gets to know you and your banking habits. If they detect duress or unusual requests, they'll make sure everything is ok before proceeding with transactions. It may take an extra moment from time to time, but it's saved many members a whole lot of hassle. 

Secure Messaging

We're always happy to chat on the phone, in person, over social media, or the Live Chat feature available in Online & Mobile Banking. However, when it's time to discuss accounts and transactions, we have a special feature. It's called Secure Messaging and the only way to access these messages is through your account. In Online Banking, click on the envelope and select "New Message" to get started. In Mobile Banking, tap on the "Messages" bell and then tap the pencil icon in the top right corner.

Card Controls

Card Control lets you immediately switch your cards on or off from your smartphone, desktop computer, or tablet, all in real-time when logged into Online & Mobile Banking. You can set a daily spend limit for each card to actively manage your expenses. Plus, you can view your card billing information and expiration dates. 

• Instantly switch card on or off
• Set daily spending limits
• Control all your cards including debit, credit & ATM

Just look for "Card Controls" under "Services & Settings" or on the Main Menu in Online Banking. In Mobile Banking, they can be found under the "More" menu.

When your cards are off, cybercriminals won't be able to use them (and neither will your kids)!

Account Alerts in Online & Mobile Banking

Did you know that you can set up custom alerts from your account? Want to know whenever a large purchase is made using your card? Want to know when transfers are made above a certain amount?? You can receive alerts via text, email, and/or push notifications. You can use Online & Mobile Banking to set up notifications. Just look under "Messages & Alerts."

Geolocation

When you use the Gain Mobile App, we check to make sure your location makes sense. If it doesn't match your normal location usage, we may take additional security steps to verify your identity before approving a transaction. 

Verbal Passwords

Typing passwords is nice, but did you know you can set a verbal password on your account? That will help us be sure it's you over the phone or at the teller window. It's an extra proprietary step that remote scammers can't get ahold of. Visit one of our branches or contact our call center for more information.

Get Your FREE Credit Report Today

We have partnered with SavvyMoney to bring you a comprehensive credit program that offers instant access to your credit score along with personalized tips on how to improve or maintain an already great score.

It's built right into our already easy-to-use Online Banking and Mobile Banking App, so you won't need a new login. 

Monitoring your credit is a great way to catch fraudsters that may be masquerading as you. 

You may also request your free credit report online at www.annualcreditreport.com or by phone. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone will be processed within 15 days of receiving your request. Call (877) 322-8228 to request your credit reports by phone

Be Careful Online (with these 8 tips)

1. Do not use computers accessible to the public to conduct online transactions.
2. Do not open attachments or click on links that you receive in an email from an unfamiliar source.
3. Make sure your Operating System and software is up to date
4. Backup important files to physical media
5. Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly.
6. Make sure your home wireless network, operating system, and Web browser are secured.
7. Use strong passwords and keep them protected.
8. Back up important files.
9. Learn who to contact if something goes wrong online.
   
   Learn more at http://onguardonline.gov

Keep Your Contact Information Up To Date

Your contact information must be up-to-date. Having your most current information in online banking will ensure that your online banking sessions run smoothly and let us know that you're you when you call or visit. You can update your information by logging into online banking and clicking on "Settings" at the top of the screen.

Protect Your Mobile Device

Keep your mobile devices with you at all times or keep them in a secured location.

Here are a few tips to keep your device safe:

• Password-protect your phone/tablet. Use strong passwords that include a mix of upper case letters, lower case letters, numbers and special characters.
• Passwords should use a minimum of 15 characters.
• Never store your passwords or usernames on the device or use your online banking passwords for other sites.
• If your device is lost/stolen, report it immediately to your carrier so it can be deactivated.
• Do not respond to text messages from unknown sources .
• Do not enable Android's "Install from Unknown Sources" feature or allow an app to activate "device administrator."
• Enroll in a backup/wiping program. These services back up information on your smartphone to your home computer and "wipe" your phone if it's lost or stolen.
• Install security software. Companies offer antivirus, malware (malicious software), and security software along with periodic security updates.
• Do not modify your device, doing so could disable important security features.
• Download apps from trusted sources. Some "bad apps" contain malware.
• Don't access financial accounts from free, public networks. Public Wi-Fi hotspots are prime targets for hackers, who obtain direct access to your mobile device.