Your account security is important to Orion.

We're committed to sharing the measures that we're taking to keep your accounts and personal information safe. It's important that both your financial institution and you are committed to keeping your financial information secure.

Multi-factor Authentication

Chip
Cards

Digital Banking Security

ATM
Precautions

Additional Security Recommendations

WHAT WE DO

Multi-factor Authentication

Orion uses advanced technology to monitor accounts for unusual activity. For example, we have multi-factor authentication (MFA) for our members who log in to our mobile application and main financial site. MFA makes stealing your information harder for the average criminal by using at least two separate factors. One is typically your username and password, which is something you know. The other factor could be:

Something you have: A cellphone, keycard, or USB could all verify your identity.

Something you are: Fingerprints, facial recognition, or some other form of biometric data also prove your identity.

Adding one of these secondary factors to your username/password further protects your privacy.

 

Chip Cards

Chip Cards (EMV Cards) are the new standard in card security. This chip card technology and the extra security features it offers are a free benefit to Orion members. The chip creates a unique code for each transaction when used at a chip-enabled terminal, making the card extremely difficult to counterfeit.

See Orion's Privacy Notice Here

WHAT YOU CAN DO

Digital Banking Security

Here are a few ways to keep yourself safe while using on line banking:

    • Keep your computer security features (anti-virus, anti-malware) up to date.
    • Frequently update your browser.
    • Create a strong password (8-32 characters long, one upper case, one lowercase, and use special characters).
    • Monitor debit and credit transactions. Subscribe to alerts in online banking for account monitoring and notifications.

 

ATM Precautions

Walk-up ATM

    • Prepare your transaction before you approach the ATM to minimize the time spent at the machine. For example, fill out transaction slips prior to arriving and have your card ready.
    • Do not display Instead, pocket it immediately and take your card and receipt. Verify cash count when you can safely do so.
    • Save your receipt to match to your monthly statement.
    • Do not accept assistance from strangers while using an ATM.
    • Be aware of your surroundings before, during, and after completing the Be alert for suspicious activity near the ATM, particularly at night.
    • If anything looks suspicious, or if the ATM appears to have been tampered with, cancel your transaction and use another ATM.
    • Protect your card information and PIN by covering the keypad and standing close to the ATM if someone is waiting near the machine.
    • Do not give your card or PIN to anyone.
    • Immediately report a lost or stolen card.

 

Drive-through ATM

    • Keep the doors locked on your vehicle and windows rolled up whenever possible. Keep your engine running.
    • Leave enough room between you and the car in front of you should you need to exit the drive-thru.
    • If you are suspicious of being followed when leaving the ATM, drive to the nearest crowded, well-lit location and alert.

Additional Security Recommendations

 

Communication claiming to be from Orion FCU

If you receive suspicious communication from an unusual source claiming to be Orion FCU, do not click a link or provide personal information. You can call our Member Connect Call Center to verify any communication at 901-385-5200.

Card skimmers and shimmers

Skimmers are devices fraudulently adhered to card readers, most frequently at gas pumps. These skimming devices are used to copy account data and PINs used during the transaction. Your card information can be used to replicate your card and be used at ATMs or to make card purchases.

Shimmers are inside the card readers. These devices are very thin and cannot be seen from the outside. When you slide your chip card in (EVM), the shimmer reads the data from the chip on your card, similar to the way a skimmer reads the data on a card's magstripe. While criminals can't duplicate the EMV chips, they can get information from it. However, they need your PIN to do anything with that information, and these devices are not as common as skimmers.

Precautions against fraudulent devices

 

    • Use the ATM inside of your local credit union when you can because it is less likely to be tampered with than an ATM on the outside.

 

    • When you approach an ATM, look for obvious signs of tampering at the top of the machine, near the speakers, the side of the screen, the card reader itself, and the keyboard. If something looks different like a mismatched color or material, graphics that aren't aligned correctly, or if anything seems loose or ill-fitting, don't use that ATM or card reader.

 

    • Monitor your accounts and statements regularly for fraudulent activity.