If your card is lost or stolen, or you suspect fraudulent activity, report it immediately.

Debit / ATM Card

• During business hours, call Camino Federal Credit Union at 800-835-3400
• After hours (24/7), call 800-754-4128 or 909-941-1398 (outside the U.S.)
• To report suspected fraud: 888-241-2440

Credit Card

• 24/7 number if your credit card is lost, stolen, or to report suspected fraud: 323-517-9400

Camino Federal Credit Union is excited to offer Online and Mobile Banking services that provide you with convenient and secure access to your accounts, plus extensive tools to help you manage your money and put you on the road to a healthy financial future.

 

Online Banking and Login Steps

1. Go to Camino Federal Credit Union website
2. Under the Online Banking login, click Sign Up
3. Enter your Member Number, Social Security Number, Date of Birth, Last Name, and Requested Login ID to the appropriate fields
4. On the next page, you will see a disclosure for signing up for Online Banking. After reviewing the terms, you can click Accept at the bottom of the page.
5. You will then have to receive a Secure Access Code that you will use to login for the first time. You will have the option to have it sent via email, text message, or phone call. For all options you will have to enter the address or phone number you want to receive the code through. Secure Access Codes are one-time use only and are only valid for 15 minutes after you receive them.
6. You can then use the code to login, along with your Requested Login ID. If the login is successful, you will be asked to set up a password.

Feel secure at Camino Federal Credit Union

Protecting our members’ personal financial information is very important to us. Because there is an ever-growing number of ways criminals can commit fraud, we’re committed to keeping our members informed. That’s why we’ve compiled resources and information that will help you recognize and report potential fraudulent activity.

Protecting Your Online Experience

With thousands of members visiting Camino Federal Credit Union’s website each month, it’s important to know that we have measures in place to help protect www.caminofcu.org from potential attacks. While no financial institution is 100% immune to fraudulent attacks from would-be identity thieves, we monitor or have implemented several layers of protection to minimize the chances of a successful intrusion. Below is a brief overview:

• Our domain name is secured. We use Internet service providers who host our domain name across different segments of the Internet (including other continents), as well as provide added security over these domain names. This helps to “lock down” our domain name so members encounter less risk of being redirected to a fraudulent site without their knowledge or permission.
• The website’s host is protected. Our hosting service maintains the server running our site with the latest security patches available. And, this data center provides the highest level of “up time” to members in the event of something unforeseen—such as a natural disaster in Southern California.
• Online Banking is encrypted. It goes without saying that you expect your online financial transactions to be protected to the highest degree possible. When you access Online Banking, your financial information is automatically encrypted. From the moment account information leaves your computer to the time it enters Camino Federal Credit Union’s system, all online banking, website, bill payer and other internet sessions are encrypted. Camino Federal Credit Union employs some of the strongest forms of encryption commercially available for use on the Web today. During any transaction, our 128-bit encryption turns your information into a scrambled sequence with billions of variations, making it nearly impossible for intruders to decipher. Camino Federal Credit Union computers possess the proper formulas to turn this code back into meaningful information and complete your transaction.Look for a "closed lock" icon in the lower right-hand corner (Microsoft Internet Explorer) or in the right end of the address bar (Firefox 2) or in the top right corner (Safari) of your browser to determine if encryption is being used on any Web page you are viewing. Any Web address beginning with "https://..." indicates the page you are viewing uses encryption. The "s" stands for "secured."

 

Password Suggestions
Do not use your Social Security number as a user name or password. Change your user names and passwords regularly and use a combination of letters, numbers and “special characters” such as “pound” (#) and “at” (@) signs. Do not use your online banking password as a password for other online accounts.
Protect your online passwords. Do not write them down or share them with anyone.

 

Security Recommendations
Protect your answers to security questions. Select questions and provide answers that are easy for you to remember, but hard for anyone else to guess. Do no write down your security questions or answers or share them with anyone. Avoid using the same questions to protect your Camino Federal Credit Union online account and other Internet services.

Termination of Session. Always log off from any website after making a purchase with your credit, debit card or when using Online Banking. If you can not log off, shut down your browser to prevent unauthorized access to your account. Always close your browser when you’re not using the Internet.

Timed log-off. Camino Federal Credit Unions systems will automatically log you off Online Banking after 10 minutes of inactivity. This reduces the risk of others accessing your information from your unattended computer.

Firewall. Camino Federal Credit Union computer systems are protected 24 hours a day by powerful firewalls that block unauthorized entry. In order to gain access to authorized information, the Web browser you are using must know the proper protocol, or language, and even then only select information is available.

Cookies are a piece of information-stored directly on the computer you are using. Camino Federal Credit Union may place cookies on your hard drive for security purposes, to facilitate site navigation and to personalize your experience. If you chose not to accept cookies from our site, then you may not be able to access and use all or part of the benefits from the site. Removing the Online Banking cookie will re-enable challenge questions through online banking as your computer will no longer be identified as a registered computer. No personal information is stored within Camino Federal Credit Union cookies.

 

Identity Theft and Fraud
New fraud alert!
We have detected fraudulent cell phone text and email messages being sent to Camino Federal Credit Union Members. These messages did NOT come from Camino Federal Credit Union.

 

IMPORTANT—DO NOT give out your personal information.
Members should never provide personal information such as passwords, credit card numbers, Social Security Numbers, Personal Identification Numbers (PINs) or personal loan information to a website or unfamiliar phone number. In addition, you should never click directly on links in an email that request sensitive information—even if you recognize and trust the website address. These links can redirect you to a fake website (although it may look trustworthy).

 

Remember…

• Never provide personal information in response to any unsolicited request by email, letter, text message or phone call.
• Beware of any unsolicited email, letter, text message, or phone call that threatens to close or suspend your account(s).

If you are unsure if any message you receive is legitimate, please contact Camino Federal Credit Union directly for verification.
At Camino Federal Credit Union, we’re committed to reducing the risk associated with fraudulent activity and truly appreciate when members bring all questionable activity to our attention. Please know that we will NEVER send you email's to ask for your personal financial information.

 

Identity Theft and Fraud Resources:

• IRS ID Theft and Your Taxes
• Social Security Office
• Phone Fraud
• Identity Theft Resource Center

 

Scam and Fraud Awareness:
Protecting our members’ personal financial information is very important to us. Because there’s an ever-growing number of ways criminals can commit fraud, we’re committed to keeping our members informed and able to recognize and report potential fraudulent activity. Courtesy of the FBI, below you will find information on how to keep from becoming a victim of fraud.

If you can answer “Yes” to any of the following questions, exercise caution, as these tactics can easily be utilized to commit crimes against you.

• If you’re receiving a check, is the check from an item you sold on the Internet, such as a car, boat, or jewelry?
• Is the amount of the check more than the item’s selling price? For example, if you sold someone an item for $100, did they send you a check for $500 and ask for a refund of $400? Don’t do it…that’s a scam!
• Did you receive the check via an overnight delivery service?
• Is the check connected to communicating with someone via email?
• Is the check drawn on a business or individual account that’s different from the person buying your item or product?
• Have you been informed that you were the winner of a Lottery, such as Canadian, Australian, El Gordo or El Mundo, that you didn’t enter?
• Have you been instructed to wire, send or ship money, as soon as possible, to a large U.S. city or to another country, such as Canada, England or Nigeria?
• Have you been asked to pay money to receive a deposit from another country such as Canada, England or Nigeria?
• Are you receiving pay or a commission for facilitating money transfers through your account?
• Did you respond to an email requesting you to confirm, update or provide your account information?

Together, we can help squash fraud and identity theft!
If you suspect that you’re the victim of identity theft or other fraudulent activity, please contact the credit union as soon as possible, so that we may take steps to protect the integrity of your account information and funds.

Computer Security Tips

• Keep your computer operating system up to date to insure the highest level of protection.
• Install a personal firewall on your computer.
• Install, run, and keep anti-virus software updated.
• Turn your computer off completely when you are finished using it – don’t leave it in sleep mode.
• Conduct online banking activities on secure computers only. Public computers (computers at internet cafes, copy center, etc.) should be used with caution, due to shared use and possible tampering. Online banking activities and viewing or downloading documents (statement, etc.) should only be conducted on a computer you know to be safe and secure.

Email Security Tips

• Be wary of suspicious emails. Never open attachments, click on links, or respond to emails from suspicious or unknown senders.
• If you receive a suspicious email that you think is a phishing email, do not respond or provide any information. Send the email to reportphish@caminofcu.org. Review our identity theft information and resources for more information.
• If you responded to a phish email with personal information, contact Camino Federal Credit Union’s fraud prevention department at 800-835-3400.

What can Members do through Online Bill Pay?
Setup automatic payments for recurring bills of the same amount, such as your mortgage bill Set up payments to be made to accounts at different times for different amounts, such as your phone bill.

 

What is the fee for the Online Bill Pay service?
There is no fee for Online Bill Pay.

 

When is the money withdrawn from my account after I pay a bill?
If the payment is paid by ACH it will be taken from your account on the date you chose the payment to be made. Example – I want my mortgage paid on Wednesday the 1st. The payment and credit will take place on the 1st. If the payment is paid by check the payment will be debited when the check is processed by the payee. Example – I want my lawn care service paid on Wednesday the 1st. The check is guaranteed to arrive on the 1st. The payee is then responsible for cashing the check.

 

Will I be able to view my payment history for a specific payee?
Yes, you will be able to recall at least two years of payment history for a specific payee.

 

How long will it take for my bill payment to be credited by the payee?
The vast majority of payments will be debited from your account on the day they are due, or on the date you schedule them to arrive at the payee. A limited number of payments may take up to 5 business days.

 

How far in advance should I set up my payments to be paid?
Schedule bills to be paid on the day they are due instead of the day you would send the payment- so you can hold on to your money longer.

 

What do I do with the part of the invoice or bill that I usually send back to the payee with my check? Does the payee need that to process my payment?
No, you can simply shred or destroy it. All of the necessary information is provided to your payee through our Online Bill Pay system.

 

Why do you need to know the phone number of the payee?
The phone number is necessary because if we need to research a payment, we can contact the payee directly on your behalf.

 

How do I know if a payment is going to go through electronically or by a paper draft (check)?
On the right-hand side of the calendar it will indicate how the payment is going to be processed.

 

Are there specific days of the week that payments are made?
Payments can be scheduled for arrival Monday through Friday, excluding federal holidays.

 

Why can't I schedule a payment for a Friday or a Saturday?
Payments are processed according to the typical Federal Reserve schedule. The calendar will gray out any non-processing days.

 

Does our existing overdraft protection work for the Bill Payment feature?
Yes, it works just like regular checks do within your account.

 

What do I do if the intended payee never receives my payment?
Go to the Payment History section and click on the payee you wish to dispute. That will display the dispute form for you to fill out and submit electronically.

What is an eStatement?
An eStatement is an electronic copy of your recurring account statement available through our online banking system. When you sign up to receive eStatements, you will no longer receive a paper statement in the mail. You must provide an email address to receive eStatement notifications.

 

How do I enroll for eStatements?
Sign on to Online Banking
1. Click on Services
2. Click on eStatements
3. Click on Delivery Preferences
4. Under Change Delivery Preference chose Email Only
5. Provide the email address you’d like the notice sent that your eStatement is ready to view
6. Review the Terms of Use
7. Click on I accept all Terms of Use
8. Click on Save Preferences
You’re now ready to start receiving your eStatements.

 

Are eStatements emailed to me?
No, for security reasons, we do not email actual statements over the Internet. When you sign up for eStatements, you will receive an email message notifying you of when your statement is available for viewing through our secured online banking system.

 

How do I view my eStatement?
Sign on to Online Banking:
1. Click on Services
2. Click on eStatements
3. Choose account that you wish to receive eStatements to
4. Under Documents click on Statements and Notices
5. Click on Account Statements
6. Click on year you would like to view
7. Click on month you would like to view
You're now ready to view your eStatment.

 

Do I need special software to view eStatements?
No. You just need the software that you would usually use to access the World Wide Web, including a web browser. There is no special Online Banking software required, however, you must use a computer that meets minimum hardware and software requirements.

 

Is there a fee to receive eStatements?

No, eStatements are free for all Members. In fact, by signing up for eStatements, you are helping to save your credit union money in processing and delivering fees, since eStatements are much more cost-effective to produce than regular notices.

 

Can I cancel eStatements and begin receiving paper statements again?
You may cancel your eStatement preference and go back to paper statements at any time. Simply log into your Online Banking and follow the same steps you would if you were to register. Instead of selecting Email Only, you can choose either US Mail Only or US Mail and Email. Paper statements are subject to a $2 per month paper statement fee. If you cancel your eStatement preference after 6 p.m. on the last day of the month, the "Mail Statement" preference may not take effect until the following month.