Security Information

Land of Lincoln Credit Union's most important responsibility to its membership is ensuring security regarding their financial information.

Security involves protecting the personally identifiable information of our members through strong systems and controls, focused on ensuring data integrity, confidentiality, and availability. At LLCU, we take this responsibility very seriously, as it could have detrimental consequences for our members should we not remain diligent.

LLCU has designed and implemented software and processes that continuously monitor and detect cybersecurity threats and vulnerabilities. We partner with experts in this field to guarantee that our platforms keep up with an ever-changing landscape of cyber and financial fraud. Every day, criminals are finding new ways to jeopardize your financial well-being through identity theft, email phishing scams, telephone scams and more. LLCU works fervently to remain ahead of the "bad guy" and to keep your financial information secure.

Security FAQs

Are my funds insured? Depending on your situation and how you set up your accounts, most of your accounts are federally insured by the NCUA up to $250,000 and the ESI up to$750,000 for a total of $1,000,000 of coverage minimum. For more information on how much your funds are insured, please contact a Member Service Representative at 1-844-222-7788 for details.

How do I know my personal information is protected when I’m using LLCU’s Online Banking? Land of Lincoln Credit Union's Online Banking Services utilizes a multi-factor authentication and layered security to assure safe internet transactions. Read more about how Land of Lincoln Credit Union protects your information online.

How can I protect myself against identity theft? Land of Lincoln Credit Union, along with other Federal and Credit Union agencies such as CUNA, NAFCU and NCUA, will never send e-mails, text messages, or automated phone calls requesting your credit union account number, username, password, pin number, or other personal identifying information. LLCU members are urged to never turn over private information through e-mail, text or phone solicitation. If you receive a suspicious phishing e-mail, text, or phone call trying to represent LLCU or a credit union organization, please notify us immediately.

Scam Center

In today’s digital age, scammers are becoming increasingly sophisticated in their attempts to access your personal information. It's crucial to be aware of common banking scams, especially those involving phishing through phone calls, emails, and text messages. Here’s a quick guide to help you recognize and avoid these deceptive tactics.

Understanding Phishing Scams

Phishing is a method used by fraudsters to trick you into revealing sensitive information such as your account numbers, passwords, or other personal details. These scammers often pose as legitimate entities, including your credit union, to gain your trust. Here’s how to spot and handle these scams:

1. Phone Call Scams

• Red Flags: Scammers may call you claiming to be Land of Lincoln Credit Union’s fraud department or another official entity. They might ask you to provide personal details, verify your account, or confirm a suspicious transaction.
• Avoidance Tips: Always hang up and call your us directly using our toll-free number 1-844-222-7788. Never provide personal information over the phone unless you initiated the call.

2. Email Scams

• Red Flags: Phishing emails often look like they come from LLCU. They may use urgent language, ask you to click on a link, or prompt you to update your account information. These emails often contain spelling errors or unusual formatting.
• Avoidance Tips: Do not click on links or download attachments from unexpected emails. Verify the sender’s email address and contact us directly at 1-844-222-7788.

3. Text Message Scams

• Red Flags: You may receive texts claiming there’s an issue with your account and urging you to click on a link or provide sensitive information. These messages may come from numbers that look legitimate but are actually fake.
• Avoidance Tips: Ignore and delete suspicious text messages. Always verify any account issues by us at 1-844-222-7788.

General Tips to Protect Yourself

1. Stay Informed: Regularly update yourself about common scams and your credit union’s security measures. The Federal Trade Commission is a great resource that keeps an up-to-date list of trending scams. 
2. Use Strong, Unique Passwords: Create complex passwords and use different ones for different accounts.
3. Enable Two-Factor Authentication: This adds an extra layer of security to your accounts.
4. Monitor Your Accounts: Regularly check your account statements and transactions for any unauthorized activity.

Your financial security is a top priority, and being informed is your best defense against fraud. Stay safe and secure!

Report a Scam

Please provide us with the details of the recent scam you experienced that was impersonating Land of Lincoln Credit Union or targeted your LLCU account.

If you fell victim to a scam please call us at 1-844-222-7788 so we can provide you with immediate assistance.

Protecting your financial information online

Online and mobile banking makes handling your finances easier and more convenient, but it is imperative to make sure that you are protecting your financial information.

• Build strong passwords for your accounts and make them all different.
• Create passwords that are hard to guess and include a combination of numbers, special characters, uppercase and lowercase letters.
• Avoid using names, dates, or common words.

Wifi hotspots in coffee shops, libraries, airports, hotels, and other public places are convenient, but often not secure. If you connect to a Wi-Fi network and send information through websites or mobile apps, it might be accessed by someone else. For more tips and information on using public Wi-Fi access, please visit https://www.consumer.ftc.gov/articles/0014-tips-using-public-wi-fi-networks.

In addition to paying close attention to the internet connection used when accessing your financial information, here are a few tips to protect your smartphone as well:

By staying vigilant and following these guidelines, you can better protect yourself from falling victim to banking scams. Remember, if something seems off or too good to be true, it’s always better to double-check with us directly.

• Set your phone to lock automatically. When you don’t use your phone for a few minutes, the phone should automatically lock itself and require a password to reopen.
• Use passwords for your phone. In addition to a password to unlock your phone, use different passwords for each shopping or financial app. Don’t share your passwords with anyone.
• Use your phone’s data network if you can’t verify that a public Wi-Fi connection is secure.
• Be cautious when connecting to Bluetooth. Bluetooth makes it easier for you to connect your phone with other devices, but, it also makes it easier for thieves to steal your personal information. If you connect to Bluetooth, make sure it’s in a private, uncrowded area and don’t forget to turn off Bluetooth when you aren’t using it.

Hang up on unwanted calls about loans

By Bridget Small, Consumer Education Specialist | Federal Trade Commission

People are reporting getting calls (and calls) (and more calls) about their supposed “loan application.” Only they hadn’t applied for a loan. So what’s going on?

When people don’t pick up, the callers leave messages saying the imaginary “loan application” is on hold because the business needs more information, so please call back. The calls seem urgent — and they’re persistent. People report getting calls in bursts of anywhere from five to even 20 a day, all from different numbers, all with the same story. But there never was a loan application. It’s a tactic that some dishonest companies are using to offer loans.

If you get a call like this:

• Don’t press a number to “unsubscribe.” That only lets the dishonest company know your number is good. Instead, just hang up.
• Use call blocking to stop calls before they reach you. Learn how at How to Block Unwanted Calls. For your mobile phone, find a list of call-blocking apps at ctia.org, a website for the U.S. wireless communications industry.
• Don’t give information to businesses you don’t know, even if they seem to know you. That could be a set up to get your personal information.
• Register your cell and home phone for free at the National Do Not Call Registry. Registration never expires and is designed to stop unwanted sales calls from companies that follow the law. But it doesn’t block calls and won’t stop calls from scammers — though the scam calls are a lot easier to spot if scammers are the main ones left calling to sell you something.

If you’ve gotten calls like these, report unwanted calls at DoNotCall.gov.