How We Protect You
Account Monitoring
Our systems work 24/7 to flag unusual activity, and our team will notify you quickly if something seems off. Together, we can stop fraud in its tracks.
Digital Safety Features
Our online and mobile banking platforms are built with strong encryption, time-out settings, and authentication processes to keep your data secure.
Multi-Layer Verification
To help prevent unauthorized access, Signet has introduced extra layers of identity verification — including security questions, passcodes, and photo ID checks for both in-branch and phone transactions.
Stay One Step Ahead: Keeping Your Digital Banking Secure
In a world where convenience is key, online and mobile banking have become must-haves for managing your money. At Signet, we offer secure digital tools that make it easy to check balances, transfer funds, and track your spending—anytime, anywhere.
But with quick access comes responsibility. Unfortunately, fraudsters are constantly coming up with new ways to sneak into accounts. If they get in, they can change your settings, transfer money, or even steal your identity. That’s why it’s so important to protect your login info like you would your wallet.
The good news? Keeping your account secure doesn’t have to be complicated. A few smart habits can go a long way in protecting your information—and your peace of mind.
Simple Tips to Keep Your Account Safe:
Create a unique username you don’t use on other websites
Choose a strong, one-of-a-kind password and update it regularly
Never share your login—not with friends, not during a loan application, and definitely not with someone calling or messaging you claiming to be from Signet
Never give out your Secure Access Code (SAC)—even if someone says it’s “just for verification”
Make sure your email and phone number are current in your account settings
Turn on account alerts to stay updated on activity (like failed logins or large transfers)
Don’t click suspicious links or download attachments from unfamiliar sources
When in doubt, pause and verify.
If something feels off, trust your gut and contact us directly. Your best defense against scams is staying aware—and staying connected with your Signet team.
Let’s protect what you’ve worked hard for—together.
Fraud Awareness Starts Here
At Signet, we believe being your financial partner means more than just managing your money—it means helping you protect it, too. One of the best defenses against fraud is education. That’s why we’re committed to keeping our members informed about scams, identity theft, and how to stay one step ahead.
Below, you’ll find tips and resources to help you stay alert, informed, and in control.
Security & Emergency Readiness
Protect Yourself from the Unexpected
Life can throw curveballs—but being prepared can make all the difference. Whether it's fraud, natural disasters, or financial emergencies, Signet is here to help you stay safe, informed, and ready for anything.
What To Do If You’ve Been Scammed
We’re here to help you bounce back.
If you think you’ve fallen for a scam, take a breath and follow these steps:
Immediately change your online banking username and password. Keep this info private—don’t share it with anyone.
If you downloaded a file or clicked a suspicious link, run a scan using a trusted antivirus program or have a professional check your device.
Keep an eye on your credit report and dispute fraudulent charges on your account with your financial institution right away.
Reach out to Signet. Our team is ready to walk you through the next steps and help secure your accounts.
Using a Signet debit card? Enable card controls and alerts in our mobile app for an extra layer of protection.
How Will Signet Contact You?
We’re serious about protecting your account—and that includes how we communicate with you. Here’s how you’ll hear from us, and what to watch out for.
Phone Calls
Our team may call you if we suspect suspicious activity on your account. We’ll never ask for your full Social Security number, password, or Secure Access Code (SAC) over the phone.
Secure Access Codes (SAC)
You may receive a SAC via text or phone call when logging into Signet Online or Mobile Banking. Never share your SAC with anyone—not even someone claiming to be from Signet.
Debit Card Alerts
Our debit card fraud monitoring team keeps an eye on unusual spending. If they notice anything suspicious, they may reach out by text, email, or phone. These messages will never contain links or ask for sensitive information like your PIN or full card number.
Text & Email Alerts
If you’ve signed up for alerts through the Signet Mobile App, you may receive real-time updates about your transactions or account activity. We’ll never ask you to click suspicious links or provide login details. If you're ever unsure about a message, call us directly at 270-443-5261.
Loan Payment Reminders
If you have a loan with Signet and miss a payment, you might get a courtesy reminder via text or email. These may include a secure payment link—always double-check by visiting our website directly at www.signetfcu.com.
Credit Card Alerts
Our credit card partner may contact you directly if they detect potential fraud. They will never ask for your CVV (three-digit code), full card number, or expiration date.
When in Doubt, Reach Out
If something feels off, stop and call us at 270-443-5261. We’d rather you be safe than sorry.