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How Quorum Safeguards Your Personal Information

Safety & Security by Quorum: So You’re All Good.

Fraudulent activity and identity theft is unfortunately a fact of life these days. It’s crucial to know the warning signs that your name and personal information are being used for fraudulent purposes or that your accounts have been compromised. Quorum takes your personal and account information seriously, and works tirelessly to safeguard it. Learn more about what we do and what you can do to keep yourself secure.
Alert Icon

Report Fraud Immediately!

The first step if you are the victim of fraud is to contact us immediately.

In certain instances of fraud (ACH, debit/ATM card, and Zelle®), you can dispute transactions in Online and Mobile banking:

  • On Desktop, select “Account Services,” then “Transaction Dispute.”
  • On Mobile, select “More,” located at the bottom of the app, then “Account Services,” and choose “Transaction Dispute.”

Debit Card/ATM Fraud

(800) 874-5544 (select option 5, then 3, then 2)

Click to Call

Credit Card Fraud

(800) 654-7728

Click to Call

“Other” Fraud

(for example, check and wire transactions)

(800) 874-5544

Click to Call

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Protecting Your Account Information

We take several measures to ensure the security of your private information, including:

We take several measures to ensure the security of your private information, including:

24/7 Account Monitoring

We actively monitor accounts 24 hours a day, 7 days a week using sophisticated technologies.

We will contact you if we detect unusual transactions and suspect fraud.

Please note: Quorum will never ask for personally-identifying information like your account number, online passwords or verification codes, or your full Social Security number. Remember scammers can have any number appear on your caller ID. Hang up, and call Quorum directly at the numbers listed above (Report Fraud Numbers), so you know with 100 percent certainty you are speaking with Quorum.

A person working at a laptop displaying a spreadsheet, holding a smartphone in their other hand. The setting is bright and modern, with a cup of coffee and a pen on the table, suggesting a productive workspace.

We take several measures to ensure the security of your private information, including:

Fraud Protection

As a reminder, you may be covered for unauthorized transactions when they are reported in a prompt manner. For credit cards, please see the applicable Credit Card Agreement for details. For debit cards, please see the Truth in Savings Disclosure for details.

Please note: Quorum will never ask for personally-identifying information like your account number, online passwords or verification codes, or your full Social Security number. Remember scammers can have any number appear on your caller ID. Hang up, and call Quorum directly at the numbers listed above (Report Fraud Numbers), so you know with 100 percent certainty you are speaking with Quorum.

A close-up image of a combination padlock resting on a credit card, symbolizing financial security and data protection, with a cool blue tone enhancing the theme of trust and technology.

We take several measures to ensure the security of your private information, including:

Privacy

Review our Privacy Policy to learn how we collect, use and safeguard your personal financial information. We are committed to protecting your privacy with strict security measures and transparent practices. Learn about your rights and how we handle your data.

Please note: Quorum will never ask for personally-identifying information like your account number, online passwords or verification codes, or your full Social Security number. Remember scammers can have any number appear on your caller ID. Hang up, and call Quorum directly at the numbers listed above (Report Fraud Numbers), so you know with 100 percent certainty you are speaking with Quorum.

A desk setup featuring a laptop, tablet, and smartphone all displaying a 'Privacy Policy' screen with a digital lock icon, symbolizing data protection and security. The workspace includes a notebook, glasses, a calculator, and a potted plant, creating a professional yet organized environment.

We take several measures to ensure the security of your private information, including:

Online Banking

Review our practices related to online banking security. Our online banking services are designed to protect your information with advanced security features and continuous monitoring. Get tips on how to stay safe online and protect your accounts.

Please note: Quorum will never ask for personally-identifying information like your account number, online passwords or verification codes, or your full Social Security number. Remember scammers can have any number appear on your caller ID. Hang up, and call Quorum directly at the numbers listed above (Report Fraud Numbers), so you know with 100 percent certainty you are speaking with Quorum.

A person working on a laptop at a desk, reviewing a website interface featuring login options and informational sections. The workspace includes documents with charts, a pen, a calculator, a coffee cup, and a jar of pencils, set in a bright, open office or café environment.

We take several measures to ensure the security of your private information, including:

BALANCE Financial Fitness

Quorum membership entitles you to free, unbiased, confidential money-management counseling and education through our partnership with BALANCE Financial Fitness. The resources below are available to help guard you from identity theft, and take actionable steps to protect yourself should you find yourself impacted:

Pexels Rdne 7414273

  • Speak to a Balance financial coach. Our certified experts can help resolve any issues related to identity theft, or help review a credit report for suspicious activity.
  • Get answers to questions immediately, or, to schedule an appointment so you get the personal attention you need, call (888) 456-2227. Counselors are available Monday – Thursday, 8:00 a.m. – 11:00 p.m.; Friday, 8:00 a.m. – 8:00 p.m.; Saturday, 11:00 a.m. – 8:00 p.m. ET.
  • View our special Identity Theft toolkit here, packed with practical tips and resources to keep you safe.

Please note: Quorum will never ask for personally-identifying information like your account number, online passwords or verification codes, or your full Social Security number. Remember scammers can have any number appear on your caller ID. Hang up, and call Quorum directly at the numbers listed above (Report Fraud Numbers), so you know with 100 percent certainty you are speaking with Quorum.

A smiling man in a cozy sweater working on a laptop in a modern, relaxed setting with an exposed brick wall in the background, creating a warm and professional vibe.

We take several measures to ensure the security of your private information, including:

Credit Score Monitoring

Quorum’s FREE Credit Score service in online and mobile banking allows you to access full credit reports, as well as receive real-time credit monitoring alerts.

To register for Credit Score:

  • Desktop: Select the “Show your score” button in the Credit Score tile and accept the disclosure.
  • Mobile: Select the “Get your free credit score” tile located beneath your accounts on the accounts page.  (You can also access Credit Score by selecting the Credit Score link located under the “More” header menu.)

Please note: Quorum will never ask for personally-identifying information like your account number, online passwords or verification codes, or your full Social Security number. Remember scammers can have any number appear on your caller ID. Hang up, and call Quorum directly at the numbers listed above (Report Fraud Numbers), so you know with 100 percent certainty you are speaking with Quorum.

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24/7 Account Monitoring Fraud Protection Privacy Online Banking BALANCE Financial Fitness Credit Score Monitoring

What Quorum Does

Please note: Quorum will never ask for personally-identifying information like your account number, online passwords or verification codes, or your full Social Security number. Remember scammers can have any number appear on your caller ID. Hang up, and call Quorum directly at the numbers listed above (Report Fraud Numbers), so you know with 100 percent certainty you are speaking with Quorum.

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There are many things you can do to proactively monitor and protect your private information.

There are many things you can do to proactively monitor and protect your private information.

Review Your Accounts!

Regularly review your accounts—as well as your Quorum credit and debit cards—using account notifications and alerts.

Click here to learn more about general account alerts. Learn more about the credit and debit card alerts available here.

Note: You’ll need to be a registered online/mobile banking user to set up these alerts. Not registered yet? Use our Registration Guide to get started.

A close-up of hands typing on a laptop keyboard, with a blurred screen displaying data and graphs. A soft-focus coffee cup sits in the background, evoking a calm and focused workspace atmosphere.

There are many things you can do to proactively monitor and protect your private information.

Monitor Your Credit

Monitor your credit report—FREE—at annualcreditreport.com, and look for accounts or charges you don’t recognize.

Quorum’s FREE Credit Score service in online and mobile banking also allows you to access full credit reports, as well as receive real-time credit monitoring alerts.

To register for Credit Score:

  • Desktop: Select the “Show your score” button in the Credit Score tile and accept the disclosure.
  • Mobile: Select the “Get your free credit score” tile located beneath your accounts on the accounts page.  (You can also access Credit Score by selecting the Credit Score link located under the “More” header menu.)

Report any fraud as soon as you notice it to limit your liability.

Report all instances of identity theft and get help with recovery steps.

A smiling woman holding a credit card while using a laptop, seated in a cozy and naturally lit space with a warm and inviting atmosphere. The scene suggests online shopping, banking, or a digital transaction.

There are many things you can do to proactively monitor and protect your private information.

Consider Freezing Your Credit

A credit freeze restricts access to your credit report. If you suspect your personal information or identity was stolen, placing a credit freeze can help protect you from fraud.

If you place a credit freeze, creditors will not be able to approve any new credit account in your name, even if the account is legitimate. To let lenders access your credit files again, the credit freeze must be lifted permanently or temporarily.

To freeze or lift the freeze on your credit report, free of charge, contact all three major credit reporting agencies (each must be contacted individually):

A close-up of a hand holding a credit card in front of a laptop, suggesting online shopping, digital payments, or internet banking, set against a softly lit, minimalist background.

There are many things you can do to proactively monitor and protect your private information.

Protect Personal Information

Don’t respond to emails, texts, or telephone calls asking for personal or financial information.

Update PINs and passwords, including email passwords, and follow best practices (i.e., using long and complex phrases, and never re-using passwords).

Shred your mail containing account information, your date of birth, Social Security number, or other personal information.

A smartphone screen displaying an incoming call from 'Unknown,' with options to accept or decline the call. The image is set against a dark background with blurred city lights, creating a mysterious and tech-focused atmosphere.

There are many things you can do to proactively monitor and protect your private information.

Update Security Settings

Update your security settings to install security patches on your web browsers routinely.

Use trusted links to a company’s website and never click on a link in a suspicious email.

To help ensure you’re on the real Quorum website before you sign in, check your browser address bar for the lock icon.

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There are many things you can do to proactively monitor and protect your private information.

Be Cautious with Emails

Never open an attachment in an email unless you know the sender and scan the attachment with anti-virus software first.

Never give out your banking information, or link accounts in which you are not an owner for the purposes of transferring money between accounts.

Avoid sending money to someone you don’t know or have never met in person.

A person typing on a laptop, with an email inbox open on the screen. The scene is warmly lit, with a smartphone and coffee cup on the table, suggesting a casual yet productive working environment.

There are many things you can do to proactively monitor and protect your private information.

Verify Funds and Use Strong Passwords

If you have any doubt if you should accept funds such as a check, money order, or wire, call the financial institution the funds are coming from or drawn on first.

Never use passwords that are easy to guess. Examples of bad passwords are: birth dates, first names, pet names, addresses, phone numbers, Social Security numbers, etc.

Never reveal your password to another person. You should periodically change your password in online banking.

A close-up of a password input field on a screen, showing a series of asterisks masking the password, symbolizing cybersecurity and data protection.

There are many things you can do to proactively monitor and protect your private information.

Enable Multi-Factor Authentication

Multi-Factor Authentication (MFA) is a multi-step account login process that requires users to enter more information than just a password for extra security. Quorum requires MFA on your member account, but you have the option further enhance your security by enabling MFA for each login; this requires you to always validate your identity through one of the two-factor authentication methods (email or SMS text), regardless if the system recognizes the your device and IP address. To require two-factor authentication for each login:

  1. Log in to online banking.
  2. Select your profile icon located at the top right corner of the page.
  3. Select Settings.
  4. Select the Security tab.
  5. Locate the Two-Factor Authentication section and toggle “Require Two-Factor
  6. Authentication for Each Login” to ON.

To learn more about Multi-Factor Authentication, read our article.

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There are many things you can do to proactively monitor and protect your private information.

Learn More

Cybersecurity Page Mockup 2

Read our Cybersecurity + Privacy section of our Learning Hub for other best practices.

 

Watch now: Learn More About Cybersecurity Best Practices

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Review Your Accounts! Monitor Your Credit Consider Freezing Your Credit Protect Personal Information Update Security Settings Be Cautious with Emails Verify Funds and Use Strong Passwords Enable Multi-Factor Authentication Learn More
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Need Assistance?

Our Member Service Team is standing by at (800) 874-5544, Monday through Friday, 8:30 a.m. – 7:00 p.m. ET.

You can also send us a secure message via Online/Mobile Banking:

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Online Banking

Log in to your account and click on "More," then "Message Center" and select the "Compose" tab.
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Mobile Banking

Log in to your account via the mobile banking app, then click on "Message Center" from the main menu.

Security Resources

A white padlock icon overlaid on a dark background of programming code, symbolizing cybersecurity, data protection, and secure coding practices.

Quorum Cybersecurity + Privacy Learning Hub

Did you know that Quorum has a Cybersecurity + Privacy section in its Learning Hub with up-to-date information on the latest scams (and how to combat them), as well as best practices to keep you safe? Read our articles now!

Learn More
 An abstract image of green encrypted text and numbers displayed on a digital screen, with blurred elements and a faint 'WORD' text overlay, symbolizing data encryption, coding, and cybersecurity.

BALANCE Identity Theft Toolkit

Access Quorum’s Partner BALANCE’s identity theft toolkit, packed with practical tips and resources to keep you safe. Learn how identity theft happens, how to prevent it, and how to recover from it should you need to.

Learn More
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National Cybersecurity Alliance Cybersecurity Best Practices CSRC Glossary Norton: How Spoofing Works

Why Choose Quorum?

Quorum: one of Bankrate's Best Credit Unions of 2024

One of the Best Credit Unions of 2024

Bankrate
CNET Best Of 2024

The Best Credit Unions

CNET
CNN Underscored Best HELOC Lenders 2024

The Best HELOC Lenders

CNN Underscored
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Best Online Banks
2024

MarketWatch Guides
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Best Credit Union of 2024 for ATM Access

Associated Press
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Best Credit Union Savings Accounts

MarketWatch Guides
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Best Overall Credit Union Savings Account

CNBC
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Best HELOC for Investors

Bankrate
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2023 Diamond Award Financial Education

CUNA
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A safe place to put
your money.

This is a safe place to put your money. They have very proactive fraud prevention systems that I am impressed with. Recently, I moved a large amount of money that is going towards the purchase of a car and my account not only required a code, but I received a phone call within a half hour of my transaction from one of their professionals, Savannah. She politely quizzed me, and from every angle may I say, to establish that it was indeed me who was working within my account. The savings and CD rates are great also and, their website works like clockwork. Thank you, Quorum, for being the best!

LS B.

Glad we found
Quorum.

Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff at customer service are always patient and helpful. Rates on interest bearing accounts are great too. Website is user friendly. Info is clear and precise. Glad we found Quorum.

Kathy W.

For security, I give
them an A+

I have been with this Credit Union for 12 or 13 years. For security, I give them an A+. Customer service is very helpful. Happy customer.

Rose E.

Member Reviews

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Member Service Team was really helpful in assisting me!

We are back from a cruise tour in the U.S. and Canada. During our vacation, my debit card was blocked (nearly a financial disaster). I called Quorum and got great help, first from Kevin B. After telling him my story, he transferred me to the Fraud Department. Unfortunately, they could not help, as I had one important piece of personal information that was not available. I called Quorum again and got Ebony. Ebony did a super job; she called the Fraud Department and convinced them I'm not a debit card fraudster. Thank you very much for your time and tremendous help, Ebony. Last, but not least, a thank you to Savannah. Coming back from Canada to the U.S., I emailed Quorum asking for support for another debit card alert and Savannah took care of that. Overall, the Member Service Team was really helpful in assisting me!

Klaus W

For security, I give them an A+.

I have been with this Credit Union for 12 or 13 years. For security, I give them an A+. Customer service is very helpful. Happy customer 😁

Rose E.

Very polite and professional.

The representative that I had the pleasure to talk with today took her time; she used safety measures to make sure I was who I said I was; very polite and professional.

Sheila L.E.

Glad we found Quorum.

Quorum is great. We feel so much more secure with a federal credit union than a commercial bank. Great staff and customer service is always patient and helpful. Rates on interest-bearing accounts are great, too. Website is user-friendly. Info is clear and precise. Glad we found Quorum.

Kathy W.

This Credit Union quickly became my bank!

This credit union quickly became my bank! What started with a low-interest first mortgage refinance has turned into a first mortgage, two credit cards, a high yield savings account, fee free checking account and a checking reserve account. I pay all my bills via the online bill payment and even send physical checks from my online checking account to the landscaper and others. Member support is beyond expectation and the mobile app is robust and user friendly. Great work Quorum!

mhudson

A safe place to put your money.

This is a safe place to put your money. They have very proactive fraud prevention systems that I am impressed with. Recently, I moved a large amount of money that is going towards the purchase of a car and my account not only required a code, but I received a phone call within a half hour of my transaction from one of their professionals, Savannah. She politely quizzed me, and from every angle may I say, to establish that it was indeed me who was working within my account. The savings and CD rates are great also and, their website works like clockwork. Thank you, Quorum, for being the best!

LS B.

Simply amazing.

I recently experienced an unexpected and shocking attempt to compromise my Quorum accounts online. Upon discovering this attempt, I called Quorum to investigate what was happening. Over a four-day period I spoke to numerous Quorum representatives. All were unfailingly attentive, empathetic, helpful and supportive. They answered all my questions, suggested solutions and options and listened carefully and compassionately. In short, they were simply amazing and I am eternally grateful.

Michael M.

Have been a faithful and delighted customer.

I joined Quorum in 1998 and have been a faithful, and delighted customer since. Any issue I have experienced has always been handled with respect, knowledge and follow-through. Can't give them enough high praise. Today I was contacted by Quorum so they could personally update me on a specific change in their policy that may affect me. What other company takes the time and consideration to do that? I don't know of any other. Adisa was the Quorum representative who contacted me. Her approachability and the fact that she consistently asked if I was comfortable in giving answers to the requests for information from me made me feel safe and comfortable. Any business who employs someone of Adisa's caliber is worthy of all my banking business! Thank you, Quorum... you guys really are The Best!

Kathy C

View all reviews

Frequently Asked Questions

What is Quorum doing to protect my personal and financial information and what should I be doing too?

Quorum is committed to the safety and security of our members’ personal and financial information.

All companies face cybersecurity risks and those risks are ever evolving. We have security measures in place to help protect against these risks to keep your data safe. In the event Quorum is affected by a cybersecurity incident and personal data is involved, we will notify the affected members in accordance with regulatory requirements.

We encourage you to stay vigilant as well. Some ways you can do this include staying alert to phishing scams, using strong passwords, opting into two-factor authentication when available, avoiding unsecured public Wi-Fi, keeping devices up-to-date, and monitoring your accounts regularly through account alerts and by reviewing transactions and activity. If you see charges or activity that you did not authorize, contact the relevant financial institution or credit bureau immediately.  Additional information regarding steps you can take to protect your identity (including placing fraud alerts or a credit freeze) can be found on the Federal Trade Commission’s website at: https://consumer.ftc.gov/.

Your account security is our top priority.

That’s why Quorum has invested in the best security features and systems to ensure your private information remains private. We run intrusion detection and anti-virus monitoring to protect our systems from potential malicious activity, require identity authorization to log in to online banking, and more!

Learn more about security at Quorum

Where can I read more about Quorum’s online banking security policies, including encryption level and authorization?

Privacy

The privacy of the communications between you (your browser) and our website is ensured using encryption. The industry standard encryption for all websites is TLS; a TLS certificate (also known as an “SSL certificate”) is installed on the website server. This certificate ensures secure communication between clients (such as web browsers) and the server. It establishes a secure conversation between you (your browser) and Quorum’s website when you navigate there via a browser. Look for the lock in the upper right corner usually next to the website name. This lock icon ensures that your connection to the site is secure and encrypted.

Read more about TLS encryption here.

Security and Browser Support

We provide a number of additional security features in online banking. Online banking will “timeout” after a specified period of inactivity. This is designed to prevent potential fraudulent activity from continuing your online banking session in case you have left your PC unattended without logging out. However, we recommend that you always sign-off (log out) when you are done with your online banking. It is important to point out that the computers that store your actual account information are not connected to the Internet. Our online banking Web servers receive the transactions that you initiate through the Internet. These Web servers route your transaction through firewall servers, which act as a traffic cop between segments of our online banking network used to store information, and the public Internet. This configuration isolates the publicly accessible Web servers from data stored on our online banking servers and ensures that only authorized requests are processed. Various access control mechanisms, including intrusion detection and anti-virus, monitor for and protect our systems from potential malicious activity. Additionally, our online banking servers are fault-tolerant, and provide for uninterrupted access, even in the event of various types of failures.

Please visit our Browser Support page to check if your web browser is supported in online and mobile banking.

Encryption Level

The numbers used as encryption keys are analogous to combination locks. The strength of encryption is based on the number of possible combinations that a lock can have. As the number of possible combinations grows, it becomes less likely that anyone would be able to guess the combination in order to decrypt the message. Today’s browsers offer 40-bit encryption, or 128-bit encryption. Although both result in a large number of possible combinations (240 and 2128 respectively), for your protection, our servers require the browser to connect at 128-bit encryption. Users will be unable to access online banking functions at lesser encryption levels. This may require some end users to upgrade their browser to the stronger encryption level in order to access online banking functions.

If your browser does not support 128-bit encryption, you will need to upgrade to a browser that does in order to continue to access secure pages of the website.

Authorization

It is also important to verify that only authorized persons log into online banking. This is achieved by verifying your password. When you submit your password, it is compared with the password we have stored in our secure data center. We allow you to enter your password incorrectly a limited number of times. If you enter your password incorrectly too many times, your online banking account will be locked (please follow these instructions to reset your password and regain access). We monitor and record “bad-login” attempts to detect any suspicious activity (i.e., someone trying to guess your password). You play a crucial role in preventing others from logging on to your account. Never use passwords that are easy to guess. Examples of bad passwords are: Birth dates, first names, pet names, addresses, phone numbers, social security numbers, etc. Never reveal your password to another person. You should periodically change your password in online banking.

Your account security is our top priority.

That’s why Quorum has invested in the best security features and systems to ensure your private information remains private. We run intrusion detection and anti-virus monitoring to protect our systems from potential malicious activity, require identity authorization to log in to online banking, and more!

Learn more about security at Quorum

How do I set up alerts and notifications in online banking or mobile banking?

We offer text alerts to keep you updated on your balance, account activity, upcoming payments and more! You can set up your alerts via online banking or the mobile app.

Desktop:
First, enable SMS text messages behind online banking.

  • Log in to online banking.
  • At the top right-hand corner of the screen, click on “Settings.”
  • Click on the “Contact” tab.
  • Under Phone Numbers, click on the pencil icon next to your mobile number.
  • Select, “I would like to receive SMS text messages to this number.”
  • Click on “Save Changes.”

Once you’ve enabled SMS text messages, you can set up an alert/notification.

  • From the main navigation, under “More,” click on “Account Alerts.”
  • Select any one of the main Alert options displayed on the screen. Each option will give you a list of alerts you can activate/deactivate.
  • Click on the Alert you wish to set up, then choose the delivery method (SMS/Email). Please note, Alert set up options may vary based on the type of alert you choose.
  • Click on “Save.”


    Mobile:
    First, enable SMS text messages within the mobile banking app.

    • Log in to the mobile banking app.
    • Click on “More” at the bottom of the screen.
    • Click on “Others,” then “Settings.”
    • Click on “Contact.”
    • Under Phone Numbers, click on your mobile number, then switch on the “Enable SMS text messages” button.
    • Click on “Save Phone.”

    Once you’ve enabled SMS text messages, you can set up an alert/notification.

    • Click on “More” at the bottom of the screen.
    • Under More, click on “Account Alerts.”
    • Select any one of the main Alert options displayed on the screen. Each option will give you a list of alerts you can activate/deactivate.
    • Click on the Alert you wish to set up, then choose the delivery method (SMS/Email). Please note, Alert set up options may vary based on the type of alert you choose.
    • Click on “Save.”

    Are credit/debit alerts safe and secure?

    Yes. Our first priority is to protect your personal information. If you ever receive a text message asking for your member number, account numbers or other personal information, please do not respond, as they could be malicious phishing attempts.

    Your account security is our top priority.

    That’s why Quorum has invested in the best security features and systems to ensure your private information remains private. We run intrusion detection and anti-virus monitoring to protect our systems from potential malicious activity, require identity authorization to log in to online banking, and more!

    Learn more about security at Quorum

    Is Bill Pay secure?

    You can have peace of mind knowing that our Bill Pay service meets all security requirements and is thoroughly protected. We are dedicated to your financial safety from Bill Pay to mobile banking, and everything in between!

    What happens if I am a victim of identity theft or check fraud?

    If you ever believe you have been the victim of identity theft or have reason to believe your information is being misused, we urge you to immediately contact the police and file a police report. Obtain a copy of the police report as you may need to provide copies of the report to creditors to clear up your records. You may also contact the Federal Trade Commission and the Attorney General’s Office in your state.

    Also, contact our Member Service Team immediately at (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.

    Overseas members, please call 001-914-641-3700.

    You can also send a secure message by logging in to online banking and then clicking on “More” from the main menu, and “Message Center.”

    Security Reminder:

    To protect the security of your account and your identity, please be alert of scammers and phishing attempts, and remember that Quorum would never call or contact you to ask you for the following information which can be used to access your accounts:

    • Your online banking credentials which include the username and/or password associated with your account
    • Your personal identification number (PIN) to your card
    • We will never refer you to a website other than quorumfcu.org or ask you to contact us at a phone number other than the following numbers: (888) 918-7313, (914) 641-3700 or (800) 874-5544

    If you are suspicious about a call or correspondence you received claiming to be from Quorum, you can contact us at (800) 874-5544, Monday through Friday between 8:30 a.m. – 7:00 p.m. ET.

    Your account security is our top priority.

    That’s why Quorum has invested in the best security features and systems to ensure your private information remains private. We run intrusion detection and anti-virus monitoring to protect our systems from potential malicious activity, require identity authorization to log in to online banking, and more!

    Learn more about security at Quorum

    Is Zelle® safe and secure?

    Yes. No sensitive account details are shared when you send and receive money with Zelle® – only an email address or U.S. mobile number tied to a bank account in the U.S. Authentication and monitoring features are in place to help make your payments secure, but, pay it safe: Only use Zelle® with people you trust, and always make sure you are using the correct mobile number or email address!

    Here’s how to pay it safe:

    Only send money to those you trust: Zelle® should only be used with friends, family and others you trust. Why? Because you can’t cancel a payment once it’s been sent, if the recipient is already enrolled with Zelle®. And if you send money to someone you don’t know, or you do not get what you expected, you may not get your money back.

    Treat Zelle® like cash: While Zelle® and cash are certainly different, both provide the recipient with fast access to the money you send. With Zelle®, money moves directly into the enrolled recipient’s bank account within minutes1. And again, once you authorize a payment to be sent, you can’t cancel it if the recipient is already enrolled.

    Beware of payment scams: If an offer sounds too good to be true, it probably is. For example, a stranger selling online concert tickets at a steep discount and insisting you pay with Zelle® may be a scam. Zelle® does not offer a protection program for authorized payments, so pay it safe. Only send money to people you personally know and trust.

    Confirm your recipient’s contact information: Make sure you have the correct U.S. mobile phone number or email address for the person you want to send money to. When in doubt, contact your friend to double check. If you authorize a payment to be sent to the wrong person, you may not get your money back.

    Understand your payment options: If you don’t know a person or aren’t sure you’ll get what you paid for, using your credit card may be a better payment option. Many credit card companies offer built-in buyer protections for cardholders. Check the terms and conditions of your credit card to see what’s offered. Unlike a credit card, Zelle® does not offer a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item or the item is not as described or as you expected.

    Security Reminder from Quorum:
    To protect the security of your account and your identity, please be alert of scammers and phishing attempts, and remember that Quorum would never call or contact you to ask you for the following information:

    • Your online banking credentials
    • Your Quorum Federal Credit Union member number
    • Your social security number or date of birth
    • Your personal identification number (PIN) to your card
    • We will never refer you to a website other than Quorum’s, or ask you to contact them at a phone number other than the following numbers: (888) 918-7313 or (800) 874-5544.

    If you are suspicious about a call or correspondence you received claiming to be from Quorum, you can contact us at (800) 874-5544, Monday through Friday between 8:30 am – 7:00 pm ET.

    Why are you asking me to verify my activity via secure codes/tokens multiple times when I try to use Zelle®?

    Zelle® will trigger a secure code delivery request only once during the Zelle® enrollment process in order to verify your identity. This verification token will by Zelle® on behalf of Quorum.

    As part of Quorum’s multi-factor authentication (MFA) process, Quorum will trigger a secure code/verification request via email or SMS every time you access the Zelle® widget within the Quorum mobile app. This is an added layer of protection to ensure that no unauthorized payment activity happens in your account.

    To learn more about Quorum’s MFA process, click here.

    More ways to experience better banking.

    At Quorum, we’re here to help you customize your day-to-day banking to fit your unique lifestyle! We understand the demands of a busy life, and that’s why we’ve organized our top 4 choices to optimize Banking That’s Good. For You.

    Digital Banking + Bill Pay Mobile Deposits Online Wire Transfer External Transfer

    Why did I receive a call from Fraud Prevention Center?

    You may have received a call from our fraud prevention center due to suspicious activity on your card. If they suspect your card security has been breached, they may suspend the usage of your card until you validate the questionable purchases.

    Please be alert of scammers and phishing attempts, and bear in mind that to our fraud prevention center would never ask you for the following information:

    • Your online banking credentials
    • Your Quorum Federal Credit Union member number
    • Your social security number or date of birth
    • Your personal identification number (PIN) to your card

    Fraud Prevention will also never refer you to a website other than Quorum’s, or ask you to contact them at a phone number other than the following number: (888)918-7313.

    If you ever have suspicious about the authenticity of a call, you can also call Fraud Prevention directly at (888) 918-7313.

    To protect the security of your account and your identity, look out for the red flags above.

    Your account security is our top priority.

    That’s why Quorum has invested in the best security features and systems to ensure your private information remains private. We run intrusion detection and anti-virus monitoring to protect our systems from potential malicious activity, require identity authorization to log in to online banking, and more!

    Learn more about security at Quorum

    What is Multi-Factor Authentication?

    Quorum’s online banking platform uses a highly secure multi-factor authentication (MFA) process to protect your personal and financial information. We use a combination of username, password, and security codes to be sure that you are in fact, you.

    Let’s take a closer look at each step of our MFA:

    1. Username: Your username is your Login ID. For the safest and most secure online banking experience, we strongly recommend that your username is something unique (not your member/account number), yet easy to remember.
    2. Password: Your password should also be unique and memorable only to you. For added security, your online banking password must have at least eight characters, at least one lowercase letter, at least one uppercase letter, and at least one number.
    3. Security Codes: These codes, delivered via email or SMS text, are designed to help verify your identity (if for instance, you are logging in from an unfamiliar device or you’ve forgotten your password).

    Always being asked for secure-code delivery?

    Quorum’s online banking security is industry standard and will eventually recognize a user’s device and location after consecutive successful logins using the same device and IP address. Once a user’s device and IP address is recognized (after logging in to online banking successfully on multiple occasions), the system will bypass future MFA verification to make the login experience more seamless for the user.

    If you are still being prompted for your security code:

    • You are using a new device that the online banking system does not yet recognize.
    • You are using a different browser, or recently updated your browser to a newer version than the one with which you initially registered.
    • You recently cleared your browser’s cookies, which unregistered your device.
    • You have an anti-virus security package installed that automatically clears cookies. You will need to provide your security code each time you log in, or disable the cookie-clearing option in your security package.
    • You are connected to a different wi-fi network than one(s) with which you previously logged in.

    In each of the circumstances above, you will be presented with secure code delivery until the network is recognized.

    Not being asked for a security code and want to receive one every time you log in?

    Online and mobile banking users also have the option to enable mandatory two-factor authentication for each login, which requires the user to always validate their identity through one of the two-factor authentication methods (email or SMS text), regardless if the system recognizes the user’s device and IP address. To require two-factor authentication for each login:

    1. Log in to online banking.
    2. Select your profile icon located at the top right corner of the page.
    3. Select Settings.
    4. Select the Security tab.
    5. Locate the Two-Factor Authentication section and toggle “Require Two-Factor Authentication for Each Login” to ON.

    Your account security is our top priority.

    That’s why Quorum has invested in the best security features and systems to ensure your private information remains private. We run intrusion detection and anti-virus monitoring to protect our systems from potential malicious activity, require identity authorization to log in to online banking, and more!

    Learn more about security at Quorum

    Why am I being prompted to update my online banking password?

    If you have requested a temporary password be sent to you (due to being locked out of online banking, etc.), Quorum will prompt you to update your password after successfully logging in with the temporary password. Please note, Quorum will ONLY ask you to update your password within online banking once you have successfully logged in with the temporary password that was sent to you. Never provide your password by clicking on links in suspicious emails, etc.

    If you need assistance, please reach us at (800) 874-5544, Monday through Friday, 8:30 a.m. – 7:00 p.m. ET.

    Your account security is our top priority.

    That’s why Quorum has invested in the best security features and systems to ensure your private information remains private. We run intrusion detection and anti-virus monitoring to protect our systems from potential malicious activity, require identity authorization to log in to online banking, and more!

    Learn more about security at Quorum

    What is the Credit Union's Privacy Policy?

    Our privacy policy at Quorum is very in depth as we take your privacy and security very seriously.

    Please read our Privacy Policy page so you can be fully confident that your financial privacy is our priority.

    Join Quorum for Banking That’s Good. For You.

    Not only have we been rated one of the top credit unions in the country, but we also are leading the charge in digital banking to maximize convenience, security, and control when it comes to your money. We’re excited to welcome you on board!

    Learn More Apply Online Now

    How do I close my account because of fraud?

    If you need to close your account because of fraud, please call our Member Service Team at (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET immediately so we can provide assistance.

    If you would like to dispute the charges, choose a link below for instructions:

    Security Reminder:

    To protect the security of your account and your identity, please be alert of scammers and phishing attempts, and remember that Quorum would never call or contact you to ask you for the following information which can be used to access your accounts:

    • Your online banking credentials which include the username and/or password associated with your account
    • Your personal identification number (PIN) to your card
    • We will never refer you to a website other than quorumfcu.org or ask you to contact us at a phone number other than the following numbers: (888) 918-7313, (914) 641-3700 or (800) 874-5544.

    If you are suspicious about a call or correspondence you received claiming to be from Quorum, you can contact us at (800) 874-5544, Monday through Friday between 8:30 a.m. – 7:00 p.m. ET.

    Your account security is our top priority.

    That’s why Quorum has invested in the best security features and systems to ensure your private information remains private. We run intrusion detection and anti-virus monitoring to protect our systems from potential malicious activity, require identity authorization to log in to online banking, and more!

    Learn more about security at Quorum

    Do you have Mastercard ID Theft Protection Services?

    Mastercard ‘s Personal Identity Theft Resolution Services on your Quorum debit or credit card provides you with access to a number of Identity Theft resolution services including: a Concierge Level Certified Restoration specialist who works on behalf of the cardholder on dispute resolutions, cancelling and replacing card(s), providing updates on the status of the fraud investigation and more. Call (800) MC-ASSIST for more information.

    A credit card should work for you, not the other way around.

    We offer a selection of Mastercard® credit card options. Whether you’re looking for travel points and cash-back or super low rates, we have a credit card to fit your lifestyle. No matter which card you choose, enjoy freedom from annual or balance transfer fees.

    Compare our Card Options Apply Now