To be a smart consumer, you have to stay informed. ESL "Stay Safe - Security & Fraud News" is the place to go learn more about staying smart in both online and offline financial activities and more. We will also use this section as a way to inform you of any scams that involve ESL Federal Credit Union.

Be sure to check back often for updates!

Security Tips^top

ESL Internet Banking with Peace of Mind

For ESL, providing a safe, secure Internet Banking experience for our members has always been mandatory, never an option. That's why we protect members' Internet Banking activities with the most current encryption methods available as well as Enhanced Login Security. Together, these security measures require the correct member number, PIN and computer be identified before access is permitted (when the computer can not be identified, the member must correctly answer three "Challenge Questions" before accessing Internet Banking).

Want more information about security and ESL Internet Banking? Learn about:

Computer Security Basics

Keep your computer safe! The first step to protect yourself online is to use some of these PC best practices. These PC Best Practices and short videos from Microsoft® provide great tips to keep all your online activities secure.

Free Credit Report

Protect yourself from identity theft and fraud by reviewing your credit report on a regular basis. In fact, New York State residents are entitled to receive a free copy each year. When you want a copy of your credit report, be sure to request it from a legitimate source, like You can also call them at 877.322.8228, or complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

This is the only source approved by the Federal Trade Commission.

Be leery of offers for free credit reports from pop-up windows or spam emails. These offers may say free, but then sock you with hidden service costs.

Fraud News^top

Have you been "phished"?

It's a funny name, but being a victim of a "phishing" attack (and identity theft) is no laughing matter. Phishing scams attempt to get personal information by urging you to send your information as a response to an email that appears to come from a legitimate source. For example, some "phishers" send an email saying itís from your bank or credit union. The email might tell them you've unsuccessfully logged onto an online banking service and asks you to try again, using a link in the email. The link sends you to a fraudulent site where identity theft could occur.

ESL will NEVER ask you to confirm your personal information using a link in an email. When you receive a legitimate email from ESL, we will always advise you to access our web site and Internet Banking by using your own bookmarks or favorites, or by typing our URL before logging into Internet Banking. Remember, when in doubt...type it out!

Reporting Phishing Attacks

If you think you have responded to a fraud attempt and provided personal ESL information, please contact us immediately so we can investigate your situation and secure your ESL accounts.

Click here if you have received a phishing email that appears to be from ESL or the NCUA (National Credit union Administration) but you have NOT submitted any account information.

Be aware when advertising online -

When you advertise items for sale on the Internet you greatly increase your ability to sell an item. But you should also be aware that you are basically giving your email address out to the world. This invites con-artists to send emails to you in an attempt to scam you into sharing your personal information, or worse yet, sending them money or items for sale. One common fraud technique involves a buyer overpaying for an item then asking the seller to wire the difference back for a variety of valid sounding reasons.

Make sure you know who you are dealing with when you reply to emails. Don't give out personal information that you don't want the world to know. Be smart and protect your identity.

More Information

For more information about security and fraud news, check out these websites:

From the FBI-

From the FDIC-

From the FTC-

From the NCUA-