Secure Online Banking

MACU Newsletter

Want to stay in-the-know? Click here to sign up for our quarterly newsletter!

Worried about Security?

Members Advantage Credit Union is dedicated to keeping your information secure. While using Online Banking and Bill Pay, we use state-of-the-art industry-standard security features to protect your private, personal, and financial information:

Enhanced Login Security

Enhanced Login Security is a feature that helps protect your Online Banking account and helps make your Online experience as secure as possible. Enhanced Login Security monitors and detects any uncharacteristic or unusual behavior involving your online account and, if anything out of the ordinary is detected, takes extra steps to verify your identity.


Encryption scrambles information while it's in transit between your computer and our Online Banking servers. Using industry standard strength encryption (256-bit Secure Sockets Layer - SSL), we're able to protect your information so that it can't be read by anyone but us.

All of the pages within Online Banking and Bill Pay are protected with encryption, therefore protecting your private, personal, and financial information.

Network Security

Using various industry standard methods including Anti-Virus software, Firewalls, and Intrusion Detection and Prevention systems, we protect your private, personal, and financial information.

We use a layered security approach in which many layers of protection stacked together provide the most secure environment possible.

Identity Theft and Phishing

Identity Theft and Phishing are two risks to your financial security that often go hand-in-hand.

What is Identity Theft?

Identity Theft is the act of a thief acquiring personal, private, and financial information about a person and then using that information to obtain credit, goods, or services fraudulently in their name.

What is Phishing?

Phishing is a form of fraud in which criminals attempt to trick consumers into revealing personal, private or financial information using different forms of communication (phone, postal mail, text message, and, most common, e-mail). The communication asks you to reveal personal, private, or financial information and often uses "scare" tactics such as threatening account closure.

What can I do?

The best way to avoid being Phished is to simply not respond to the attempts. You should verify that the communication is legitimate by contacting the sender using contact information that you know to be accurate and trustworthy (not necessarily the contact information listed in the communication).

Members Advantage Credit Union will never contact you to ask for private, personal or financial information. Should you receive communication claiming to be from Members Advantage Credit Union that requests private, personal or financial information, do not respond and contact us immediately.

For information on protecting yourself from Identity Theft, visit the Federal Trade Commission's website on the subject.

For information on protecting yourself from Phishing, visit Onguard Online.


Members Advantage Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal information from us as we conduct the business of the credit union.

After reading this notice, should you have questions, please contact us at 1-877-874-6943.