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Safeguarding Your Information

ISPFCU is always committed to ensuring the safety of our members’ information and ISPFCU’s Internet banking environment is no exception. With more and more members using Internet banking, unscrupulous individuals are working harder than ever to find new ways to scam unsuspecting individuals. One of the best defenses against fraud is to remain educated on cyber-safety. ISPFCU is dedicated to helping our members stay cyber-safe.


  1. Keep Information Private. We recommend that you avoid using a public computer to access your account. Fraudsters target public computers due to the ease of access to these devices. Individuals could have installed a keystroke logger to obtain your member number, answers to security questions, and password.
  2. Fraudsters are known for masking emails and text messages to look like they come from a trusted sender. Do not send your member number or other personal information via email or text messaging to anyone. Do not use a hyperlink that is located in an email to access ISPFCU’s online banking website and always ensure the web address starts with https.

    If you receive a phone call from a person claiming to be an ISPFCU representative it is a good idea to ask for the representative’s name and extension and inform the representative that you will call them right back. ISPFCU’s call center will be able to direct your call to the extension given. DO NOT call the representative back on any number other than on a number that ISPFCU has given you to call (217-523-8000 or 800-255-0886) A best practice is to always initiate contact yourself.

  3. Account Review. Early detection is a key component to stopping fraud quickly. ISPFCU encourages members to log into their accounts regularly to review account activity, even if you have not done any recent transactions. If there are any concerns, contact ISPFCU immediately at 800-255-0886.
  4. Strong Password. ISPFCU encourages members to have a password that is at least 6 characters long with a mixture of upper and lower case letters, numbers, and special characters. Change your password regularly and do not give anyone your password or allow anyone else to use your password.
  5. Website Redirection. If you click on a hyperlink that redirects you to a website that does not look like it is operated by ISPFCU use caution and contact us if you suspect there is a problem.
  6. Always Logoff. Always logoff your ISPFCU online banking session and DO NOT just close the browser.
  7. Assess your own risks. ISPFCU encourages every member to do their own risk assessment on their online banking security controls such as, but not limited to: storage of online banking information (member number, password, answers to security questions) and the type of antivirus protection you use on your computer.


  1. ISPFCU’s employees will NEVER call, email, or send you a text message asking for any of your electronic banking credentials. ISPFCU may inquire about your electronic banking credentials if you initiate contact and express online banking problems.
  2. Card fraud detection may contact you on behalf of ISPFCU to verify unusual credit or debit card transactions. Card fraud detection will NEVER ask you for any of your electronic banking credentials. If you have concerns or suspect there is a problem disconnect the call and contact ISPFCU immediately. Card fraud detection will:
    • Introduce themselves to you as card fraud detection and that they are calling on behalf of ISPFCU.
    • DO NOT give anyone claiming to be card fraud detection your full card number, expiration date, three digit security number (located on the back of your card), your full social security number, or any other confidential information.
    • Card fraud detection will ask you to verify specific transaction(s) in question.
    • Card fraud detection will only ever call you about credit or debit card transaction.


Regulation E, better known as the Electronic Fund Transfer Act (EFTA), outlines the rights, liabilities, and responsibilities of consumers that use electronic services covered under the EFTA and financial institutions that offer services covered under the EFTA. Examples of EFTA covered electronic services offered by ISPFCU are:

  • ATM (Automated Teller Machine)
  • ACH (Automated Clearing House)
  • Debit Card Transactions (point-of-sale)

Examples of services not covered by EFTA are:

  • Share Drafts (checks)
  • Wire transfers
  • Internal transfers between members accounts initiated through a members online banking account
  • Internal transfer requests made via telephone conversation or in person with an ISPFCU employee
  • Internal transfers to a loan done through online banking, telephone conversation, or in person. Also includes internal recurring transfers that members have requested.

The above are just examples and are not a complete list of EFTA covered and uncovered services. For more information on your rights, responsibilities, and liabilities under EFTA please review ISPFCU’s terms and conditions disclosure that ISPFCU provided at account opening.


Stay Safe Online Website

Federal Trade Commission Website website

Federal Trade Commission identity theft website

On Guard Online website

When you click on a link and open a new window, you are leaving the credit union’s website. You are linking to a website not operated by ISPFCU. The credit union is not responsible for the content of the alternate website. The credit union does not represent either the third party or the member if the two enter into a transaction. Each third party site may have privacy and security policies that differ from ISPFCU.

ISPFCU Contact Information

If you suspect or notice any suspicious account activity or experience any information security related events with ISPFCU’s online banking you should immediately contact us at 217-523-8000 or 800-255-0886. Call Center hours are Monday thru Friday from 8:30 a.m. to 4:00 p.m. You may also visit our facility to report suspicious account activity or discuss any security-related events within ISPFCU’s online banking at 730 Engineering Avenue in Springfield, IL.

Equal Housing Lender. We do business in accordance with the Federal FairHousing Law and the Equal Credit Opportunity Act.

ISPFCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 800-255-0886. All products and services available on this website are available at the ISPFCU branch.