Golden 1 Online Security

As part of our ongoing efforts to employ the latest in Internet security technology, we have incorporated Multi-Factor Authentication (MFA) into Golden 1 Online^SM, our Internet-based banking service. MFA is a series of technology tools for Golden 1 Online that help protect your account from fraudulent transactions. Additional authentication factors, combined with your account number and password, provide additional layers of security. Most of these security enhancements are happening automatically and will not require any action on your part.

MFA security includes a variety of monitoring activities. For example, one feature tracks the type of computer you typically use to access your account. If you sign on to Golden 1 Online from the same computer on a regular basis and then log on to a different computer, you'll notice some additional security measures. We may ask you some questions to verify your identity before allowing you to sign on. With these extra layers of security in place, your account information has added protection.

Setting up your account for MFA is easy! Golden 1 Online users will be asked to create a personal assurance message. This is a message or phrase that you provide. After you have created your message, it will be displayed each time you sign on to Golden 1 Online, immediately after entering your account number. Simply verify that the personal assurance message is correct before entering your password. Because the message is unique to each account, it helps ensure you are signing on to a legitimate Golden 1 website.

In addition, we use state-of-the-art software and other technologies to prevent unauthorized users from accessing our systems, especially those accessible from the Internet. Some of the measures we take are very apparent—encryption of sensitive data, password protection, etc. For example, when you sign on to Golden 1 Online from the home page of our website, your account number is entered on a page that uses the "https" protocol. Once you click the "Sign On" button, we secure the connection to our servers using Secured Sockets Layer (SSL) technology, then transmit your account number. Once received, this information is transported within our systems via an encrypted network.

How Secure Is Golden 1 Online?

The Golden 1 Credit Union uses technology that encrypts or disguises all information during your Golden 1 Online session. If someone were to intercept your data, it would be meaningless and impossible to read or change. Golden 1 Online is indeed safe and is being used by a growing number of Internet users like you. Security has always been a concern when transmitting sensitive information across the Internet. Before financial institutions could make online services available, an infrastructure was designed to keep data safe while it was transmitted from a personal computer to an institution's server.

How Does Golden 1 Online Work?

The Golden 1 Credit Union's Internet-based account access service (Golden 1 Online) uses today's leading Internet technologies to bring account accessibility to your fingertips.

Several technologies are employed to make your Golden 1 Online session easy, secure and functional. Two key components of our service are Java^TM and SSL. Java technology from Sun Microsystems^TM is heavily employed throughout the interface to perform functions that make navigation easy.

To ensure that your information is secure at all times, The Golden 1 runs Golden 1 Online on a secure server utilizing SSL encryption. This encryption system from RSA Data Security, Inc. "disguises" data sent from your computer to our server. This keeps personal information secure and confidential while in transit.

All Golden 1 Online activity is securely sent using SSL to a server on The Golden 1 Credit Union's network. You can make a full range of account transactions safely and easily right from your personal computer.

How to navigate within Golden 1 Online:

• Do NOT use your browser's BACK or FORWARD buttons.
• Do NOT double click.
• ALWAYS click LOG OUT when finished.
• Golden 1 Online times out after 20 minutes of inactivity.

How to print within Golden 1 Online:

• Click on the section of the screen you want printed.
• Select PRINT from your browser's toolbar (or FILE > PRINT).

What is Secure Sockets Layer (SSL) encryption?

SSL encryption technology emerged as the industry standard for securing data while it travels across the Internet. SSL is used worldwide in online stores, credit unions, banks, and an all other websites where information from an individual needs to be kept confidential.

ABOUT SSL

What are the three most important services SSL provides?

Confidentiality:

Your information is guaranteed confidentiality because of the encryption process and cannot be decrypted by anyone but you. If an encrypted message is somehow intercepted, it will be unreadable by the third party.

Integrity:

If someone were to intercept your Golden 1 Online activity, it would not decrypt properly. The
Golden 1 would then be alerted to the fact that the message had been tampered with by a third party.

Authentication:

The Golden 1 has been certified with a secure certificate from VeriSign to communicate with you, the member, with SSL technology. Digital certificates act as a digital ID to ensure users or computers are authentic.