Member Security Awareness

The following tips can help keep your account information and identity secure.


Take Full Control of Your Cards

MyCardRules™ lets you control how, when, where and who uses your cards

These days you can control your TV … your thermostat … even your lights — all right from your mobile device.

Wouldn’t it be great to have that kind of control over your cards, too? Well, now you can.

The MyCardRules app lets you take FULL CONTROL of all your card spending. Just download the app and you can:

  • Instantly turn a card OFF if it’s lost, stolen or being misused
  • Set transactions to have a specific spending limit
  • Get an alert every time a card is used
  • Decline in-store or online transactions based upon your settings

You can even set your cards so that they can be used only when your mobile device is nearby, and restrict purchases at certain types of stores and merchants.

Learn More >>

Securing Your Identity

Securing your Account Information & Identity

Keeping your account safe

  • Use a complex password and memorize the password. Do not write down your passwords
    or store them in your browsers or other computer programs.
  • Do not reply to suspicious emails, text messages, phone calls or voice messages.
  • Do not use online banking on public or shared computers.
  • Always sign off when you have completed your transactions in your online account

Keeping your computer safe

  • Always use firewall and anti-virus software on your computer. Keep your computer up to
    date with the latest virus definitions and software patches.
  • Never download software from unknown sources such as a pop up or email.
    Keeping your identity safe
  • Never share personal information by telephone or email.
  • Review your monthly statements for fraudulent activity.

Keeping your identity safe

  • Review your credit reports annually for erroneous information. You can receive your
    credit report for free at


LFCU's Card Monitoring Service

Fraud Prevention Service

In our continuing efforts to keep your Lebanon Federal Credit Union accounts secure, we’ve
improved our alert system for potential fraud. Currently LFCU’s card monitoring service notifies
members by email and telephone alerts. Starting June 8th, text messaging will also be used to
alert members of potential fraud.
Here’s how it works:

  1. When potential fraud is detected, you will receive an automatic email notification from
    Lebanon Federal Credit Union, with the option to reply with “Fraud” or “No Fraud.”
  2. One minute after the email, you will receive a text alert from 32874 between 7am and
    9pm, which also has the “Fraud” or “No Fraud” option.
  3. If there is no response received from you, five minutes after the text alert, you will
    receive automatic phone calls to confirm or deny fraud.
    Remember – our messages will never ask for your PIN or account number.
    Verification of Zip Code or phone number may be required.
    Any questions, please call 717-272-2210.

Seven Strategies to Protect Your New Smartphone from Phony Apps

While many Pennsylvanians found a new smartphone under the tree last month, Secretary of Banking and Securities Robin L. Wiessmann urges consumers to consider several strategies to protect their new smartphones from phony apps that can steal information, take over that new device, and wreak havoc on personal networks.

Wiessmann explains that these phony mobile apps are promoted on websites or through marketing emails, which appear to be legitimate offers from well-known companies. However, phony apps are designed to fool users into sharing credit card, banking, or other personal information. Some of these apps also contain viruses, malware, or ransomware, which can take over the phone and steal personal information of people stored in email address books and contact lists.

According to research firm RiskIQ, criminals using phony smartphone apps focus their efforts on imitating the leading brands in e-commerce. These brands have thousands of blacklisted apps that contain branded terms in the title or description.

Wiessmann points to several strategies that can help consumers protect their smartphones:

  1. Use official app stores. Download apps only from official app stores such as Google or Apple. Though keep in mind the screening processes offered by these official stores are not foolproof and you should still investigate any potential downloads before proceeding.
  2. Stay up to date. Keep your phone’s operating system up to date, especially with system patches tagged as “critical security update,” which should be applied as soon as possible.
  3. Protect personal information. Be careful of apps that ask for permission to access information unrelated to the performance of the app, like access to contacts, text messages, administrative features, stored passwords, or banking and credit card info.
  4. Don’t be fooled by reviews. Rave reviews can be forged, and a high number of downloads can simply indicate a threat actor was successful in fooling a lot of victims. Before downloading an app, be sure to look at the developer—if it’s not a brand you recognize or has a strange appearance or spelling, think twice. You can even do a Google search on the developer for more clues about its reputation.
  5. Make sure to research each app. For instance, poor grammar in the description can be evidence of quick and careless development and the lack of marketing professionalism that are the hallmarks of malware campaigns.
  6. Delete what you’re not using. If you are no longer using an app on your phone, delete or uninstall it.
  7. Use parental controls. Consider implementing parental controls on your child’s phone so you can review any downloads.

© 2018 by Pennsylvania Credit Union Association. All Rights Reserved.

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