How Quorum Safeguards Your Personal Information

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

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

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.”

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

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!

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

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.

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

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

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

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

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

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:

• How do I dispute a debit/credit card transaction?

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

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