Protect your mobile device

Using a mobile device to manage your finances provides a lot of convenience, but can increase your risk for identity theft. Luckily, there are some best practices to greatly reduce these risks.

General mobile banking best practices

  • Password-protect your mobile device and lock your device when it's not in use. Keep your mobile device in a safe location.
  • Frequently delete text messages from Postal Credit Union on your mobile device, especially if they contain sensitive information (i.e. text banking sessions). SMS Text Banking messages are similar to ATM receipts, offering masked account numbers and no account details.
  • Never disclose personal information about your accounts via text message, i.e. account numbers, passwords, or any combination of information that can be used to steal your identity.
  • If you change your mobile number or lose your mobile phone, send Postal Credit Union a secured message in Online Banking immediately to change the details of your Mobile Banking profile.
  • Do not hack, 'jailbreak' or modify your device, as this will leave it susceptible to infection from a virus or Trojan.
  • When possible, install mobile security software on your device (if it's available).
  • Be aware that malware exists and fraudulent applications will continue to pop up. Don't download applications onto your phone without checking them out first. If possible, use Postal Credit Union’s website to download our mobile application.
  • Report any banking application that appears to be malicious to PCU right away.
  • Monitor your financial records and accounts on a regular basis and consider having electronic alerts on account activity sent to your email or mobile device.
  • Bookmark PCU’s mobile web site and only use that bookmark to access the site to avoid phishing.
  • Do not click on links in SMS messages unless you initiated the SMS conversation with PCU.
  • Always use your cellular network when conducting mobile financial services and avoid using unsecure public Wi-Fi networks.

Protect your Online Banking access ID and passcode.

  • Do not store your Online Banking access ID and passcode on your mobile device
  • Do not use your Online Banking access ID and passcode combination in conjunction with other online systems
  • Periodically, change your Online Banking passcode
  • Utilize a difficult to guess Online Banking passcode including combination of numbers, letters, and special characters, such as: ! @ # $

Protect your mobile device from malware. Malware can pose a significant threat to mobile devices. A malware-infected mobile device can be used by fraudsters to secretly “siphon” confidential information, including Online Banking Access IDs and passcodes from the device.

  • Only download mobile apps from reputable sources and sites
  • Never perform financial transactions using a mobile device that has had its operating system unlocked or hacked (commonly known as “jail-breaking” or “rooting”)—these devices may have a much higher risk for malware infections
  • Consider utilizing a commercial anti-malware application or service with your mobile device

Physically protect your mobile device. If you use your device for managing your finances, it is critical to protect it from loss, theft, or unauthorized access.

  • Enable your mobile device’s screen lock and passcode
  • Do not leave your mobile device unattended in a public place or visible in a car
  • Do not share your mobile device with anyone you would not want to have access to your financial information
  • Consider utilizing a “remote wiping” service that, in the event your mobile device is lost or stolen, provides the ability to remotely erase all of its data

Contact Postal Credit Union. If you suspect that the security of either your mobile device or Online Banking credentials has been compromised, contact PCU immediately.

  • You can temporarily disable or completely remove access for your mobile device by logging on to Online Banking (, navigating to User Services > Mobile Enrollment, and choosing the desired option from the Mobile Banking Center menu
  • You can contact the Credit Union with any Online Banking questions or concerns, by calling (651) 770-7000, or (800) 247-0857—On-duty staff are able to discuss your security concerns and, upon request, suspend online access to your Credit Union accounts