Security Center

Security Center

We want to keep you and your finances safe online!

The following resources are provided to educate and empower our members to protect their assets and identities.

Here at SeaComm, we will continue to protect each of you by exceeding the industry standards. We are pleased to implement a security feature that will serve as your personal account watchdog and, following legal requirements, prevent potentially unauthorized transactions on your account.

What this means to you:

  • There will be a new way to login to NetTeller™. You will choose a username and password to login.
  • You will also choose from several security features to protect you from identity theft.
  • After setting up your account access, you will have an added layer of protection on your privacy and your personal information

We appreciate your attention to NetTeller™ and your business with us here at SeaComm.
To learn more on the FFIEC Guideline and Multi Factor Authentication... click here.

  • Immediately report lost or stolen cards to your credit union
  • Cover the ATM/PIN pad when entering your number
  • Choose a credit and debit card PIN number that is difficult to guess, but easy for you to remember.
  • Do not reply to any email, text or phone requests for your social security number, credit or debit account number or any other personal information.
  • Monitor your credit report, credit and debit card accounts and statements for unauthorized transactions.
  • Shred all credit and debit card statement or financial documentation before you throw them away.
  • Before making purchases online with your credit or debit card, make sure the website is secure and the company is reputable.
  • Update anti-virus and spyware software regularly.

SHARE THESE TIPS WITH FRIENDS & FAMILY TODAY.

We're committed to protecting our members from fraud and combating potential skimming crimes. To protect our members, we're upgrading our full suite of SeaComm ATMs to the latest card reader technology - ActivEdge™.

ActivEdge™ is the industry's first complete anti-skimming card reader that prevents all known forms of card skimming - the most prevalent type of ATM crime. It provides a game-changing solution that will protect you from:

  • External Skimming
  • Internal Skimming
  • USB Sniffing
  • Device Substitution
  • Card trapping and fishing

ActivEdge™ approaches skimming from a different angle, literally, by requiring users to insert cards into the reader via the long edge, instead of the traditional short edge (known as card dipping), which makes it impossible for skimmers to capture the cards information. Additionally, it is the only card reader to feature a moving, rather than stationary read head that eliminates vulnerability and a fundamental weakness that all skimmers attack.

Our fraud protection service – SecurLOCK™ Communicate is a fraud alert management service for your SeaComm Visa® credit and debit cards. It provides our members with the opportunity to interactively engage in our fraud protection strategies and decrease unrecoverable fraud losses. SecurLOCK™ Communicate includes real-time mobile text messages, voice calls, and email notifications for quicker fraud identification and prevention.

Please take the time to verify that we have your current contact information so that you can utilize this new service to its full potential – all at no cost to you!

A. In other areas of business, we have calls only going out during certain hours so cardholders aren’t being called after normal waking hours. Emails will be sent 24 hours. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone. Texts and voice calls pending from the night before will be triggered the following morning at the applicable time noted above. Agents are available 24/7.

A. All you need to do is respond back to the SMS text alert with the word STOP. U.S. consumers who have service through AT&T, Verizon, Sprint, and T-Mobile will not be charged message or data rates for our fraud alerts. We absorb that cost for you!

A. For Canadian members, both text and email alerts are available.

A. These members have U.S. numbers, but are travelling overseas, possibly on a non-US carrier. We are unable to send text or phone calls internationally, but please make sure your email address is current as we can always email you 24 hours a day 7 days a week.

A. We have already included you in these enhanced services as part of our fraud protection services.

A. Transactions that we have identified as potential fraud trigger the alerts.

A. The majority of suspected fraud accounts will be blocked, just as they are today. However, some lower risk items may not be declined.

A. Yes, though please keep in mind that it could take 5 – 10 minutes for a block to be removed in some situations.

A. Once the alert is updated in our fraud system, you can attempt the transaction again, usually within 5 – 10 minutes of the initial call/text/email to validate activity.

A. The system will accept many common typo variations of the “yes” or “no” text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.

A. No.

A. Communicate alerts are not configured through a mobile app, but rather through our fraud systems. The standard order of engagement is:

  1. Text
  2. Voice Call
  3. Email

Alerts generated overnight result in an email only until calling and texting hours are available. Text will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone.

A. Communicate actions are triggered by today’s existing fraud alerts through the Falcon system. If a mobile phone is on record, a text alert will be triggered first. All numbers on record that are identified as a mobile phone will be utilized. Communicate has technology that allows it to determine if a phone number is a mobile or land line, so indicators within the processing platform are not required. If we do not receive a response to the text(s), the system sends an automated voice call asking you to confirm if authorizations are valid or unrecognized. If you select “Not Recognized,” the call is transferred to an agent to confirm the fraudulent transaction(s). If there is no response to the text or voice call, an email is sent requesting that you confirm the transactions are valid.

A. Example SMS Text Message Alert: "FreeMsg: SeaComm Fraud Dept 8003694887: Suspicious txn on acct 1111: $201.99 WALMART. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP."


For further questions regarding this fraud protection service on your debit or credit card, please contact SecurLOCK™ at (800) 369-4887.

Identity Theft and You

Identity Theft

Visa® Security Program & Fraud Monitoring - How It Works...

Helpful links from the Federal Trade Commission

On Guard Online
Pass It On

Safe Practices when Conducting your Finances Online

To help secure a safe online banking experience, please use these tips provided. Keeping your finances safe online relies on you to make good choices and decisions regarding the privacy and security of your account. You are your own best protection; therefore, it is important that you learn about and utilize some precautionary measures.


  • Create a password using a combination of letters and numbers
  • You should use a password that is at least 8 characters long and combines lower case letters with upper case letters
  • Your password should be unique to you and uneasy for others to guess
  • Change your password frequently
  • Keep your password confidential and do not share it with anyone
  • When creating a password, DON'T USE...
    • A password that you have for any other service
    • Your name, a relative’s name, a partner's name or pet
    • Your birth date, phone number or address
    • Nicknames or online screen names

  • Do not open e-mails, attachments or click on links from unknown sources
  • Clear the browser cache and history before and after an online banking session. This function is generally found in the browser’s preferences menu.
  • Avoid using public or other unsecured computers and internet to do banking
  • Home wireless networks should be secured
  • Do not have multiple browsers open while banking online
  • Install security updates to your operating system as they become available
  • Never leave your online banking account open while your computer is unattended
  • Always ensure that you have signed out of online banking and close your browser
  • Do not share or provide any of your banking information to any other party or website requesting this information

  • Install trusted high-quality anti-virus and anti-spyware software on all of your computers
  • Update your anti-virus and spyware detection software regularly
  • Install and enable a firewall to control unauthorized access to your network and computer
  • Perform a complete anti-virus scan weekly
  • Configure your protection software to automatically notify you of new updates

Stay protected while enjoying the convenience and benefits of mobile banking. We work hard to make mobile banking safe and secure, we just need your help by protecting your own information. Here are some tips and precautions to help you avoid the potential dangers of getting hacked.


  • Be sure to connect to the Credit Union through a secure connection and not a public wi-fi
  • Always switch off your wireless connection when you are not using it
  • Ignore any requests for information that do not seem legitimate or you are unsure of
  • Anytime you send sensitive information over an unsecured wireless network, it could be exposed

  • Download SeaComm’s mobile app to be sure you are always connecting to the correct place or bookmark the correct site
  • SeaComm will never ask for your account details, or need you to verify your account details through SMS, avoid such messages
  • Do not open e-mails, attachments or click on links from unknown sources
  • For mobile devices using an Android operating system, do not enable Android’s “install from unknown sources” feature
  • Set your default Bluetooth configuration to “non-discoverable” mode, which means that users around you searching for potential targets will not see your device.
  • Don’t use the “Remember Me” functions on your phone to store passwords and usernames
  • Log off and close your browser when you are done your mobile banking
  • Monitor your account frequently and notify SeaComm of any unauthorized transactions
  • Use caution when online shopping.

  • Use a PIN/Keylock code that is unlikely to be guessed to keep your phone locked
  • Download security software protection for your phone
  • Don’t lend your phone to anyone you don’t know or trust
  • Only download apps from trusted sources
  • Ensure you make regular back-ups of the information that is stored in your phone
  • Notify SeaComm (and your carrier) immediately if your phone has been lost or stolen so your account can be deactivated