Account Security - Protect Yourself

We're Taking Internet Security to a Higher Level!

Today, technology changes rapidly. New advances in Internet Banking products and services are introduced every day and we try to ensure we always have the most sophisticated financial tools available for our Internet –savvy members, including:

Multi-Layer Security: This new authentication method allows the security system to authenticate your computer in order to ensure that the sign-in is not a fraudulent attempt to access your account information.

An "Authentication Image and Caption" will be chosen for eBranch and a “Secret Image and Caption” for eZCardInfo users. When you first logon to either site with these new security features, you will select these. We will always display your word or image before you are asked to enter your password on our website.

Three Challenge Questions: In addition, upon your first logon of the upgraded system, you will be asked to setup three challenge questions that will be used for verification purposes if the security system does not recognize your computer.

All you need to remember about our new security feature is: Once you’ve signed up, never enter personal information, such as your password, without seeing your personal security “word” or “image” first.

Click on the video to view important information to keep you and your personal banking information secure.

ACH Phishing Alert from NACHA

The notice below was received from NACHA and is being forwarded as a courtesy.

Random individuals and/or companies may have received a falsified e-mail with the subject title “Rejected ACH Transaction.” This e-mail appears to be from NACHA – The Electronic Payments Association telling them that there is a problem with an ACH transaction they have originated. The e-mail includes a link which redirects the individual to a fake Web page which appears like the NACHA Web site and contains a link which is almost certainly an executable virus with malware. These e-mails did not originate from NACHA, the Web site is not that of NACHA and you should not click on the link. See sample e-mail below.

If you have any questions about a falsified email please refer to the NACHA web site

E-Mail SCAM - Don't Get Lured In by Phishing Scamsters!

Hundreds of consumers have found themselves the victims of an e-mail scam known as "phishing." It involves high-tech fraudsters who pretend to be a legitimate financial institution or credit card company. Hiding behind the anonymity of the internet, the fraudsters send out "official looking" e-mails designed to trick consumers into divulging financial and personal information such as account numbers, passwords, user names, Social Security Numbers, and other sensitive data. In most cases, the e-mail claims there is an account problem or warns of a possible account fraud threat. Either way–the whole idea is to convince the consumer there is an immediate need to update their financial information.

If you receive an e-mail from Saratoga's Community Federal Credit Union requesting financial information or any other personal or sensitive data:

  • Treat the e-mail with suspicion.
  • Do not reply to the e-mail or respond by clicking on a link within the e-mail message. Saratoga's Community Federal Credit Union will never ask you to provide any kind of confidential or financial details via an e-mail or text mail request.
  • You should review credit card and credit union account statements as soon as you receive them to determine whether there are any unauthorized charges. If the statement is late by more than a couple of days, you should call the credit card company or credit union to confirm your billing address and account balances.
  • You should report suspicious activity to the FTC. Send the actual spam to If you believe you have been a victim of a fraudulent scheme, you should file a complaint at, and visit the FTC’s Identity Theft website ( to learn how to minimize your risk of damage from the identity theft. You should also contact Saratoga's Community Federal Credit Union as soon as possible to report the suspicious e-mail. You can reach us by calling (518) 583-2323.