Gardiner Federal Credit Union Members may enroll, or log in, by clicking the Home Banking link at the top of the page, or by clicking here.
Online Banking utilizes advanced Internet technologies to make Internet banking as secure as it is convenient. These technologies are designed to protect the member’s information throughout the entire online banking process from the member’s computer through the credit union’s own systems and back.
Account information is secure. Online Banking uses several different methods to protect member information:
- Account Number and Access Code
Only a valid Account Number and Access Code will allow a member to sign in.
- Automatic Log-off
If no action is taken, the member session will be automatically terminated in 10 minutes.
- Encryption and firewalls
By using encryption technologies, member data and transactions are encoded and are undecipherable to anyone who may be able to intercept them. Firewalls prevent hackers from breaking into the Online Banking system.
- Security Upgrades
We are constantly evaluating the latest security technologies, and we upgrade our systems whenever relevant improvements become available.
- Constant Monitoring
We are always monitoring our systems to prevent any potential problems that could compromise security or privacy.
What can be done for added security?
The member should not share the Account Number and Access Code with anyone. Change the Access Code often. Do not use birthdays, phone numbers or names that others can guess. In addition, the member should exit from Online Banking as soon as he or she finishes banking activities. Never walk away from the computer with account information on the screen. It is best to close the browser after signing off to clear account information from your browser’s memory.
Verifying Browser Security
Once at the logon page the URL will begin with https://. This is different than the http://.
The encryption method used by Online Banking is known as Secure Sockets Layer. A user can be assured that SSL technology is being used for Online Banking by looking for HTTPS in the URL at the logon page and all other Online Banking web pages. If SSL is not being used by a web site, the URL will start with HTTP. Furthermore, when SSL is used, a small lock symbol appears in the browser on the lower right corner.
The SSL protocol provides server authentication, data encryption, and message integrity. SSL also operates independently of the Internet application protocols. With SSL implemented the member’s Internet communications are transmitted in encrypted form, ensuring privacy. That means even if the information a member submits is somehow intercepted by a third party on its way to our servers, it is scrambled and virtually impossible to decode.
To use Online Banking, the browser must have SSL settings on. If a member tries to access Online Banking with SSL off, he or she will get an error message. Internet Explorer and Netscape browsers present different error messages. Generally, the Internet Explorer browser will present a error page saying ‘The page cannot be displayed’ and Netscape will provide an error message advising SSL settings need to be put on with instructions on how to do so. Please also refer to Changing your Browser SSL settings.
Online Banking also takes advantage of other security technology such as secure firewalls. Firewalls are used to prevent criminals from breaking into Online Banking and accessing data.