How GNCU Protects its Members

Through various technologies and vendor partnerships, Greater Nevada Credit Union takes many steps to protect our members’ information.

Falcon Fraud

GNCU partners with Falcon Fraud, the most accurate and comprehensive solution for detecting payment fraud in real-time, to stop it in its tracks while minimizing the impact on members. These include:

• Utilizing Artificial Intelligence to monitor purchase behaviors of each member and identify anomalies that could be fraud.
• Members will be contacted to verify their purchase and confirm that it is not a fraudulent charge.

Debit Cards

All GNCU Visa debit cards come with the latest in safety and security to keep your money safe. These include:

• Contactless and EMV chip technology prevents unauthorized users from copying and counterfeiting your debit card’s information. When a purchase is made using contactless or chip technology, it generates a unique, one-time code for added security. Since the transaction numbers are always changing, any code re-attempts by perpetrators are denied.
• Protection by Visa’s Zero Liability Policy that guarantees you won’t be held responsible for unauthorized charges made with your account or account information. You’re protected if your Visa credit or debit card is lost, stolen, or fraudulently used, online or offline.¹
• With Card Controls in Greater Nevada Digital Banking, you will enjoy complete control over your debit card and have the peace of mind to spend with confidence. Some of the security features include the ability to turn your card on/off with the flip of a switch, transaction alerts, spending limits, blocking certain purchase types, and more.

Greater Nevada Digital Banking

Greater Nevada Digital Banking (online and mobile) is easy to use and provides the latest security features to bank with confidence from any device. These include:

• The latest NIST standards for data at rest and in transit with Advanced Encryption Standard (AES) 256 encryption.
• The Transport Layer Security (TLS) protocol is used to protect all data in transit from any possible tampering.
• No sensitive data is ever stored on the device.
• Two-factor authentication is required for account access on all devices.
• The ability to set up email, text, and push notification alerts for a multitude of activities, including account access by a new device. Please note: Receiving a secure access code (SAC) to verify a new device is not available through email.

ITMs

Interactive Teller Machines (ITMs) are similar to ATMs, but they also offer video chat support with our team of Video Member Service Representatives (VMSRs). Security features when using an ITM include:

• Transactions are conducted in real-time via video conferencing, and VMSRs can blank the screen for you at any time.
• Conversations that occur at an ITM within a branch can be conducted using a handset or typed on a keyboard.
• For conversations that occur at a drive-up ITM, you can bring your own earbuds to communicate with the VMSR, just as you would on your tablet or phone.

¹ Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact GNCU for more details.