Multi-factor Authentication is the combination of: something you know (your account number and

password), something you have (a security token or key), and something you are (fingerprint, palm

geometry, typing pattern, etc.). E-Max employs the first two forms of authentication, your account

number\password (something you know) and a security token that is placed on your computer when

you register your computer with MFA (something you have).

Many people think that registering their computers with MFA low-

ers their security because they are no longer required to answer the

additional security questions when logging into E-Max. This is a

false perception. Here’s why you should register your computer…

There are criminals who try to get malicious programs called Trojans

or Key Loggers onto computers for the express purpose of obtain-

ing account and password information used to log into websites. If your computer was infected with

one of these programs and your computer was registered with MFA, the criminal would not be able

to log into E-Max because they wouldn’t have the security token. On the other hand, if you had not

registered your computer with MFA, the criminal would also obtain all of your security questions and

would be able to log into your account from almost anywhere.

Tips to keep your account safe:

n Register your account with MFA on the primary computers that you use.

n Never share your account information with anyone, including family. Family fraud is one of the

leading forms of fraud.

n Make sure you have an up-to-date antivirus solution installed on your computer – always! This

will greatly reduce the likelihood of malicious programs getting installed onto your computer.

n Refrain from using foreign computers to access your account. You don’t necessarily know if there

are malicious programs installed on that computer or not.

n Load a password and lock your phone, tablet or any other web device when you’re not using it.

n Call WECU® immediately if you lose your phone or tablet and have used it to access online bank-

ing.

n Install antivirus software on your phone or tablet. Only install trusted antivirus software from

the Apple App Store, Google Play Store, or Windows App Store.

n Be cautious when using public Wi-Fi.

n If you are using the full version webpage access to E-Max rather than the mobile version, register

your phone or tablet with E-Max.

n Keep your mobile device up to date.

n If you are suspicious about the authenticity of a mobile app or email, contact WECU®.July2013

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wecu news & notes social responsibi l itywecu news & notes

NoN-profit of the MoNth

WECU® will be closed Thursday, July 4th for Independence Day

August School Supply Drive!

On Wednesday, August 7th the Opportunity Council will park a school bus in front of its office as a part of its annual ‘Fill the Bus’ School Supply Drive. Drop off school supplies at any WECU® branch before August 6th to participate.

The Opportunity Council also accepts financial dona-tions; contributions may be mailed to the Opportunity Council office at 1111 Cornwall Ave., Bellingham, WA 98225. Join WECU® staff and members in donating much needed supplies to make a difference in the lives of local children this school year.

Bike Month/Bike to Work and School DayWECU® participated in May’s Bike to Work Day, with a Bike to Work Station at our Holly Street office for passing cyclists and walkers. Branded WECU® sunglasses and mugs were awarded to the more than 20 employees who arrived to work in style by walking, biking, carpooling, or taking the bus. Thanks to the employees who participated: Adam York, Allen Clover, Amanda Cook, Chris Beers, Courtney Witter, Dustin Wilder, Elissa Barker, Erik Favro, Erik Se-holm, Erin Stafford, Jeff Cook, Jon Seestrom, Kacy Kadow, Kathy Roberts, Kessa Volland, Kristin Kandrnal, Leah Vol-land, Leo Mata, Lindsay Nymoen, Matt Cooper, Michelle Clemens, Niki Favro, Rebecca Duffy, Reid Frederick and Robin Taubenheim.

POD BeneficiariesReminder: when you opened your account at the Credit Union, you signed an account card. That account card includes an option that allowed you to designate a “pay-able on death” (POD) beneficiary for your accounts at the Credit Union. Pursuant to the Membership and Account Agreement, the Credit Union will disburse the funds held in all of your credit union accounts to your POD benefi-ciary upon your death. This is just a reminder that the beneficiary designated on your account card is the POD beneficiary for all of your accounts at the Credit Union, including savings, checking, and certificates under your member number, unless you executed a separate POD designation for any certificates that you hold. This in-cludes accounts opened under this member number at the time you first opened your account at the Credit Union and all subsequent sub-savings, checking, and certificates. We recommend that you check who your beneficiary is annually. You can change your POD beneficiary at any time by coming into one of our branches. For your infor-mation, our Membership and Account Agreement states:

POD BeneficiariesA Payable on Death (POD) designation is an instruc-tion to the Credit Union that a designated account is an account payable to the owner or owners during their lifetimes, and upon the death of the last joint account owner, payable to any named and surviving POD benefi-ciary designated on your Account Card. Accounts payable to more than one POD beneficiary are owned jointly by such beneficiaries with right of survivorship. Any POD beneficiary designation shall not apply to IRA accounts, ESA accounts, or HSA accounts which shall be governed by a separate beneficiary designation. Savings Certificate accounts will be governed by the POD beneficiary desig-nation on the account card unless a separate beneficiary designation form is signed by all account owners. The Credit Union shall at no time have any obligation to notify any beneficiary of the existence of any account or the vesting of the beneficiary’s interest in any account, except as otherwise provided by law.

WECU® in Summer Parades!WECU® staff took on an exciting project this year: making a parade float! The miniature WECU® ‘home-sweet-home’ made its maiden voyage at Lynden’s ‘Farmers Day Parade’, one of the longest running parades in the North-west. Over 60 staff members and their family and friends donned their ‘Do Good, Feel Good’ shirts and marched through the streets of Lynden passing out candy to the crowd. See the parade float on July 13th in the Parade for the ‘Everson Nooksack Summer Fes-tival,’ and in the Old Settler’s Day Parade on July 27th in Ferndale.

2014 Volunteer Elections!

WECU® is not a bank; we are a member-focused, non-profit financial cooperative. Instead of customers, we have members. And instead of a small group of investors, we have a volunteer Board of Directors and Supervisory Committee who are elected from, and who represent, the members of the Credit Union. These dedicated men and women provide strategic direction over the business and affairs of WECU®, and oversee the safety and soundness of our Credit Union.

Preferred skills of a potential Board member include, among other things, at least a working familiarity with ba-sic finance and accounting practices, including the ability to read and understand the Credit Union’s balance sheet and income statement and the ability to ask, as appropri-ate, substantive questions of management and auditors.

Preferred skills of a potential Supervisory Committee member are to include, among other things, an under-standing of complex financial matters, including the ability to read, understand, and discuss financial state-ments, evaluate financial and information technology audit results, and evaluate procedures including board policy setting practices.

The deadline to apply for candidacy is October 9, 2013.

If you are interested in running for a WECU® Volunteer position, please visit our website at www.wecu.com.

Member Rights

Your rights and responsibilities with respect to your ac-counts are governed by the Membership and Account Agreement and your rights as a member are set forth in the Credit Union Bylaws and policies. These documents are available at WECU® upon request.

Whatcom Community College Homestay Program

Host a Whatcom Community College International Stu-dent and Experience the World! WCC is currently seeking individuals, couples, and families to host international students from: China, France, Germany, Hong Kong, In-donesia, Japan, Korea, Mongolia, Thailand, and Vietnam. Students are placed each quarter throughout the year, long or short term. Compensation is available for living costs. Contact WCC’s Housing Coordinator at: 360-383-3242 or lberry@whatcom.ctc.edu for more information.

wecu news & notes

Another Great Senior Picnic

On Wednesday, June 12 we had the pleasure of throwing our annual ‘Senior Picnic’. The Senior Picnic is open to WECU® members 65 or older, or who have had an account for over 20 years. The picnic is our way of saying ‘thank you’ to our longtime members. This year we had a fun nautical theme and the amazing Kelly’s O’Deli of Ferndale provided a traditional picnic lunch of delicious roast chicken and northwest style salmon and potatoes. Marketing Manager ‘Captain’ Kessa Volland shared some tips on avoiding fraud and CEO Wayne Langei was on deck for a question and answer session. WECU® staff and Volunteers had a great time chatting with the members and an even better time passing out ice cream sandwiches for dessert! A fun time was had by all and we look forward to ‘setting sail’ again with you next year!

2013 Employee of the Second Quarter - Lori Richardson!Congratulations to Lori Richard-son who has been selected as the Employee of the Second Quarter for 2013.

Lori has been recognized by her peers and management as an em-ployee who is “fully dedicated to providing the best member and employee service possible.” As EFT Manager “not only does she care about her employees and members, but works hard to help every department she has contact with.” Lori “is what every employee at WECU® should strive to be like.”

Our mission: Provide the means for members to achieve their dreams.federally insured by NCUA.

wecu news & notes

Activating Your Visa Debit or Credit CardMany of our members have reported that they find it much easier to activate their VISA Debit or Credit cards online. To activate your Personal Visa Debit or Credit card visit www.

wecu.com and select the Activate VISA link in the bottom right corner of the homepage. To complete the activation process enter the mother’s maiden name (the mother’s LAST name prior to marriage) for the primary signer on the account or the account code word. Please note that code words should not contain numbers or symbols. You may also activate your card over the phone by call-ing 1.800.411.6390. You will need to enter your full card number and the first 8 letters of the mother’s maiden name or code word. If the mother’s maiden name or code word is less than 8 characters enter only those let-ters. When entering letters on your mobile phone, you only need to hit the number that corresponds to the letter once. For example, if you want to enter the letter “L”, hit the “5” key once.

To activate a Business Visa Debit or Credit card, use the business account code word which was entered in place of mother’s maiden name during account opening. Your business account code should not contain numbers or symbols.

Online and phone activation options are available in both English and Spanish.

Seminars are on Hold for the Summer!For the sunny, summer months we are putting our semi-nar program on sabbatical so everyone can get out and enjoy the great weather. Look for their return this fall in your newsletter or on our website at www.wecu.com.

seminars

anti-fraud tips

Would it surprise you to learn that millions of comput-ers in the US are infected with malware? That’s a lot of computers. Malware, short for malicious software, includes viruses and spyware that get installed on your computer or mobile device without your knowing it. Criminals use malware to steal personal information and commit fraud. For example, they may use malware to steal the login information for your online accounts or to hijack your computer and use it to send spam. An infected computer can lead to serious problems, like identity theft.

The good news is there’s a lot you can do to protect yourself and your computer!

n Install security software and set it to update au-

tomatically.

n Use a pop-up blocker and don’t open pop-ups, links, or attachments from people you don’t

know.

n Download software only from sites you trust. Free stuff sounds appealing, but if it’s too good to be true, it most likely is a scam.

Even if you take precautions, malware can find its way onto your computer. Be on the lookout for these signs: your computer runs slowly, drains its battery quickly, displays unexpected errors or crashes, won’t shut down or restart, serves a lot of pop-ups, takes you to web pages you didn’t visit, changes your home page, or creates new icons or toolbars without your permis-sion. The most important thing you can do to prevent malware is to keep your computer software up to date. Remember, it’s easy to find trusted information about computer security. Just visit onguardonline.gov, the federal government site to help you stay safe, secure, and responsible online.

Avoiding Malware

Our Privacy Pledge

Whatcom Educational Credit Union is run by a Board of Directors you elect. Since 1936 the Credit Union has pro-vided financial products and services to our members. You have trusted us with information about yourself and your family, and we recognize and respect your expectations of privacy. We have not and will not violate that trust by selling member information for solicitation or any other purpose. We continue to strive to earn your trust and your business by honoring your privacy. We take your privacy very seriously. Please take a moment to read through our complete privacy policy enclosed with this newsletter or on the web at www.wecu.com.