PIN Protection

With the popularity of ATM and POS transactions it is no surprise that thieves find it popular as well. TECU would like you to remember this simple way to protect yourself. The easiest way to protect yourself is to protect your PIN. Never tell anyone your PIN, even if they claim to be from a bank or the police. Don't keep a written record of your PIN. Having a different PIN for each card can provide an extra safeguard. Also, make sure no one sees your PIN when you use a terminal or cash machine. If someone wants fraudulent access to your account they need two things; a copy of your card and the correct PIN. Any cloned cards are useless without the correct PIN. Shield your hands when entering your PIN. Keep in mind that there are usually people all around you when you are in the checkout line …any one of them could be working alone or in conjunction with a partner to steal your valuable PIN.

Never reveal your PIN to anyone or you could be liable for losses.


  This means:  
  • Don't be tempted to jot your PIN down “just in case you forget it”.
  • Never tell anyone your PIN or let them enter it for you.
  • Enter your PIN discreetly, just as you would when using a cash machine. If you are asked to enter your PIN into a handheld Chip and PIN terminal, don't feel awkward about moving to a position where you won't be overlooked.
  • PINs are only intended for use at a Chip and PIN terminal or a cash machine. Never give out your PIN when ordering by phone, post or online. Do not voluntarily give your PIN to friends or family members.
  • Always keep your receipt when you make a Chip and PIN payment. Mistakes are rare but it's wise to check it against your statement later.
  • Check your banking statements regularly and contact your credit union immediately if you detect any unusual activity, for example, purchases you did not make or missing charges.
  • Always keep possession of your Card.
  • Avoid all PIN combinations that may easily be determined by others such as your anniversary, birthday phone number, etc.
  • lf you have a chip card, insert the card first. lf the point of sale device is not chip capable it will prompt you to swipe your card. Avoiding an unnecessary swipe of the card will reduce the potential of your card information being skimmed.
  • When using an ABM, if you suspect anything unusual do not use the machine and report it to the financial institution immediately. Remember to take your card when the transaction is complete.


  You are responsible for the full amount of all activity on your account completed through an Electronic Banking Service resulting from:  
  • The use of your card and/or PIN by you or any person to whom you have made the card and/or PIN available where you have not been the victim of trickery, force intimidation or theft.
  • Your failure to notify us as soon as you become aware that your PIN may have become known to someone else or your card has been lost, stolen or misused.
  • An entry error or a fraudulent or worthless deposit made through an electronic banking service.


  In those cases you will be liable up to your daily or weekly limits. Your liability may exceed your account’s credit balance or available funds if:  
  • The account is a line of credit account, has overdraft protection or is linked with an account having some or all of these features; or
  • The transaction is completed on the basis of an entry error or a fraudulent or worthless deposit made through an electronic banking service.


  Lost or Stolen Card or PIN : You will notify us immediately if:  
  • Your card is lost or stolen, or you suspect it is lost or stolen, or if someone has used it other than yourself.
  • Your PIN has become known to someone else, or you suspect it has become known to someone else.