Online Security

The following precautions will help protect the security of your Founders Online account:

  • Choose a secure password that mixes numbers with upper and lower case letters.
  • Do not reuse your Founders Online password on multiple websites.
  • Monitor your account activity for suspicious transactions.
  • Keep your login information secure by not sharing it with others.
  • Use antivirus and firewall software to protect your computer.
  • Trust your instincts. If you have a feeling something is not right, you are probably correct.


With your password, someone could gain access to your accounts, transfer funds and steal your money. Knowing how to make a strong and secure password can keep strangers out of your accounts. To create a strong password:

  • Mix in numbers and punctuation.
  • Intersperse capitals with lower case letters.
  • Use at least eight characters if allowed.
  • Change your password at least every 90 days.
  • Pick a passphrase and use the first letter for each word. For example, "Four Score and Seven Years ago, our fathers brought forth" would be 4sa7yaOfbf.

Mobile Security

Consider these tips to help you stay safe and secure when you're using our Founders Mobile tools:

  • Keep your mobile device updated. It's a good idea to always update your device's operating system and applications. These updates can help you protect your device against new vulnerabilities.
  • Manage your privacy settings. Monitor how apps use your personal information. Make sure you feel comfortable with the way they use these details. For example, some apps share your location and phone number with other people in your vicinity.
  • Password protect your mobile device. Set your device to lock when it's not being used. This will help prevent someone from getting access to your personal data.
  • Be cautious using Public Wi-Fi. Public Wi-Fi networks are easy targets for hotspot hackers. Don’t set up your devices to automatically connect to Wi-Fi, turn off your sharing settings and use a VPN when possible. When using mobile devices, it’s safer to use your data plan to connect wirelessly when entering passwords, credit card information or other details that you need to keep secure.
  • Log out of apps that use personal information. Remember to log out when you finish using apps that require you to login with personal information, like banking and bill pay apps.
  • Install mobile security software on your device. This protects you against malicious software (malware) and computer viruses.
  • Install software to find and remotely wipe your mobile phone. This software can help you locate your phone via GPS or remotely remove all data from your device, if it’s lost or stolen. There are a variety of security apps available that offer this feature.
  • Don't modify your phone's operating system. This is also known as jailbreaking, which violates your device's warranty and exposes it to more security threats.
  • Question QR codes. QR codes (short for “quick response codes”) are images that contain data that can be read by your phone’s camera. Scammers have been known to create fake QR codes that automatically download malware onto your mobile device. Protect yourself by not scanning QR codes posted in public spaces. Fraudsters will often place a fraudulent QR code sticker on top of a legitimate advertisement like a billboard or transit ad.

How to spot fraudulent emails

Fraudulent emails could look like official Founders emails and may try to trick you into visiting a fake website and providing your account information. These emails may ask you to call a phone number and to provide your account information.

If you receive a suspicious email that uses the Founders name, forward it to us immediately at:

How to identify fraudulent emails:

  • Request for personal information.  Founders emails will never ask you to reply in an email with any personal information such as your Social Security Number, account number or PIN.
  • Urgent appeals.  We will never claim your account may be closed if you fail to confirm, verify or authenticate your personal information via email.
  • Messages about system and security updates.  We will never claim the need to confirm important information via email due to system upgrades.
  • Offers that sound too good to be true.  We will never ask you to complete our member survey in exchange for money.
  • Obvious typos and other errors.  These are often the mark of fraudulent emails and websites. Look out for typos or grammatical errors, awkward writing and poor visual design.

If you receive a suspicious email, do not click on any links or reply to it. Forward it to us immediately at, then delete it.

Relax. Your information is safe.

Founders Federal Credit Union takes member security and privacy seriously, which is why we have a variety of standards and procedures in place to protect our members. There are steps you can take to help minimize risk and protect the security of your accounts and personal information. Our Security Center provides information to help you and your family be better protected against potential threats. 

It’s important you never provide personal information in response to an unsolicited request. Founders will not ask for your password, Social Security Number or account numbers through email or by phone. When you call us, we will verify your account information through a series of verifying questions.

If you believe your account has been breached or you believe you have become the victim of identity theft, please contact us immediately at 1-800-845-1614 (Monday-Thursday 8:00 am to 5:00 pm and Friday 8:00 am to 6:00 pm).


Identity Theft

Identity theft is the fastest growing crime in America. It occurs when someone obtains your personal information (Social Security Number, credit card number, etc.) and uses it to fraudulently apply for credit, make purchases or withdraw money from your accounts. It seriously jeopardizes your finances and your credit standing.

Download our Identity Theft brochure to learn how to protect your identity and what to do if you become a victim.


Reducing Your Liability

The Electronic Funds Transfer Act, better known as Regulation E, was first enacted in 1978 with the purpose of protecting consumers' financial accounts from liability for unauthorized transactions. Regulation E may limit your liability for unauthorized transfers of funds from a personal, family or household account initiated by electronic means, including a telephone, computer, mobile phone and ATM/Debit card.

In order to take advantage of the protections under Regulation E, you must notify Founders Federal Credit Union immediately if you believe your ATM/Debit card, Founders Online, Founders Mobile or Call 24 login credentials may have been stolen or compromised. Also, review your account activity and statements and promptly report any errors or unauthorized transactions.

What is Social Engineering?

Social engineering is a technique used to trick you into providing information. That information can then be used to steal money or a person's identity. This is a common tactic and victims of social engineering often do not know they have fallen prey to a scam artist until their money or identity has been taken.

A person may call or email you asking for information. The means of communication may change: text messages, web sites, etc. The goal remains the same: to persuade you to provide private information that can be used fraudulently.

Do not provide information until you have verified to whom you are speaking. One simple way of doing that is reaching out to us. If someone calls saying they are from Founders and you are suspicious, you can ask for their name and location and hang up the phone. Then you can call us to verify. If you receive an email that seems out of place, you can do the same. Founders sends marketing emails containing current promotions and eStatement notifications. We will never ask for private information in an email.

You should only provide information that the person might reasonably need. Don’t get pressured into giving out information. Someone may make you an offer that is hard to refuse in an attempt to gain your private information. If it seems too good to be true or illogical, just say no.