Home Security Center
Your money is protected by the same encryption used by governments, layered with human verification on the actions that matter most.
Every session is protected with bank-grade SSL/TLS encryption — the same standard used by governments.
Sign-in requires more than a password — verify by email, SMS or authenticator app.
Sensitive actions require your account PIN. Four wrong attempts and the account locks automatically.
External transfers need one-time authorization codes issued to you — a second proof it's really you.
Freeze instantly, and switch online, ATM, contactless and international channels on or off any time.
Active sessions are tracked and expire automatically — see and revoke access from anywhere.
Money never moves on a password alone. Here's what stands between a request and your funds.
You confirm the recipient, amount and fee before anything happens.
External transfers ask for your one-time codes (e.g. COT / AML / TAX).
PIN-protected accounts require your 4-digit PIN to proceed.
Only then does the transfer execute — with a receipt for your records.
Never share codes or PINs. Reserve Credit Union staff will never ask for your password, PIN or authorization codes.
Enable multi-factor authentication on your account from Settings.
Check the sender. Real messages from us come only from official Reserve Credit Union channels.
Freeze fast. If a card is misplaced, freeze it instantly — unfreeze when found.
Review sessions regularly and sign out devices you don't recognize.
If you notice an unrecognized transaction, a suspicious message, or anything that doesn't look right — contact us immediately. The sooner we know, the faster we can protect your account.
After four incorrect attempts the account is suspended automatically — a deliberate brake against guessing. Support can verify you and restore access.
We never ask for passwords, PINs or codes by message. When in doubt, don't click — open your dashboard directly or call the number on your card.
No. Your personal and financial data is used to run your account and is never sold. See our Privacy Policy for details.
It's built into every account, every card and every transfer — from day one.