Personal identification numbers (PINs) are everywhere. They enable users to access automated teller machines, make purchases with their debit cards, shop from home, and even unlock their car doors. For each access, it makes sense to choose the same number—which means something to you, but not to anyone else.

But, remember, that increases your vulnerability should you divulge or lose your PIN.

• Memorize your PIN.  (If you must write it down, do so in a disguised manner and never carry it with your card.)

• NEVER disclose your PIN to anyone, whether to family member, credit union staff or police.  

• Do not use obvious and guessable numbers for your PIN like your date of birth.  

• If you think your PIN may have been compromised, contac the CU immediately to have it changed.
   
• Regularly check your account balance and bank statements and report any discrepancies to the credit union immediately.