How We Protect Your Accounts & Information
O Bee protects your accounts and personal information through a layered security strategy. Our approach begins with our information security department and their maintenance of firewalls and data intrusion protection. Our Online Banking has multiple security layers, it monitors the location and time that members login and queries certain login attempts with additional questions when unusual activity occurs. O Bee’s Online Banking also protects our members by providing a security image so members know they are on the right site. The final security layer is the O Bee staff. They are well-trained to identify unusual activity, and to keep an eye out for specific red flags that may indicate further inquiry is necessary to protect our members.
How You Can Help to Prevent Fraud
Fraud, in its various forms, has become a serious threat across the country. In fact, Washington State has one of the highest rates of identity theft in the U.S. As such, we've developed this page to provide information on common scams and ways to avoid becoming a victim. As always, if you have any questions please do not hesitate to stop by or give us a call. Protect your family and learn how to protect yourself from fraud and identity theft.
Here are a few simple ways to prevent fraud from happening to you.
- Scan your credit report at least once a year. You are entitled to a FREE credit report once a year.
- Remember, O Bee Visa Debit Cards come with automatic access to an identity theft kit and $1,000 of identity theft insurance (ATM cards excluded from this offer).
- Be Aware of Scams! Keep these ground rules in mind when reading your email.
- Most firms never ask for information over email, this includes the IRS, the NCUA, and of course, O Bee.
- Report the scam to the company being targeted.
- For more information go to
- On Your Home Computer Make Sure You:
- Have all security patches offered by Microsoft or Apple.
- Use a virus scanner, we don’t endorse any products, but try Grisoft, it is free.
- Don’t open any email you’re unsure of.
- Use a spyware scanner regularly. Lavasoft is offered for free.
Lower Your Risk Of Identity Theft
Tips for Consumers:
Tips for Businesses:
- Only carry the identification you will need in your purse or wallet.
- Don't carry a lot of credit cards and keep your social security card in a safe place, other than your wallet.
- All mail that contains personal information should be placed in a secure mailbox.
- Shred all personal information before discarding it.
Also, remember that holders of our Visa Debit cards automatically have access to an identity theft kit and $1,000 of identity theft insurance.
- Limit access to important data to only those employees with a functional "need to know".
- Use "strong passwords" - including numbers, symbols, and letters - to protect data from hackers.
- Use a shredder or get a contract with a commercial data shredding company.
The National Credit Union Administration, commonly referred to as , is an independent agency of the United States government that regulates, charters and supervises federal credit unions. Backed by the full faith and credit of the U.S. government, the NCUA insures the accounts of millions of account holders in all federal credit unions and the vast majority of state-chartered credit unions, including O Bee Credit Union. NCUA protects members against losses should a federally insured credit union fail. No member has ever lost insured funds.
In addition to informing our members about NCUA insurance, O Bee strives to educate members on how to structure their accounts in order to maximize the share insurance coverage available. NCUA offers several resources to help educate members. A brief description of these resources follows:
Your Money Is Secure
Learn more about NCUA
Learn more about the NCUA’s mission, culture, values and how they ensure that millions of Americans can safely and confidently use credit unions for their financial needs.
Share Insurance Estimator
Allows members to estimate the amount of insurance coverage based on scenarios they input.
How Your Accounts Are Federally Insured
Provides general information regarding share insurance coverage.