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This page is a reference for added protection, education and awareness. All of your accounts and card transactions are monitored and secured by Proponent 24/7.
Learn how to protect yourself from fraud.
A few easy steps you can take to increase your credit score.
Please confirm your contact information so we can continue to protect your account and keep you aware of important updates.
Log in to Online Banking
Contact Member Support
Visit in person
We’re an advocate for identity theft protection. Here are some steps you can take to monitor your credit report.
Check Credit Report
Free annually at annualcreditreport.com (beware of “fake” free credit report sites)
Placed by credit bureaus, will set up PIN for credit report access by lenders
Placed by credit bureaus, will require permission for lenders to open new accounts
Identity Theft Protection
Services are available including Triple Bureau Credit Monitoring
We do everything we can to catch fraud before it happens. Here are some ways you can keep your guard up, too.
Beware of phony disaster-related charities and organizations
Use security and privacy settings on social media
Be wary of offers that require fast action
Don’t click unknown email links or attachments
Don’t act on requests for unknown electronic transfers
Beware of fraudulent checks, cashiers checks, and money orders
Passwords are the key to account security. Use these tips to keep your password strong.
Use 10+ alpha-numeric characters, symbols and cases
Change it every 90 days
Verify with a Password Checker
Store in a Password Manager
Share, re-use or write down
Use obvious or common phrases
Log-in on public computers or WiFi
Use “Remember My Passwords” features
Make sure your information doesn’t fall into the wrong hands by taking these precautions.
Review your account often
Report unknown transactions ASAP
Check for missing or unexpected bills
Have mail held when traveling
Shred sensitive financial forms
Credit and debit card alerts can provide added account protection.
Purchases over $100
Card not present
Out of state usage
Addition to credit cards and bank loans, other bills (rent, utility, phone, etc.) are equally important. Even late payments should be made as quickly as possible. Many lenders have a grace period, e.g. Proponent waits 10 days before reporting to credit agencies. You can also set up automatic payments in online banking.
Don’t max out or maintain high credit card balances on your credit cards. Try to keep balances below the half way mark of credit limits. If you’re close to your limit, consider requesting a limit increase.
Don’t apply for more credit cards, unless its really needed. Instead use the credit you already have to show that you can manage your credit responsibly. Instead of opening a new card, consider a credit limit increase. This may give you access to more funds while not affecting your credit score negatively.
Don’t just shuffle balances between credit cards. Consolidating debt into a Personal or Home Equity Loan could help you pay it off faster with one monthly payment. Proponent members have the option of a home equity or personal loan with no payments for 90 days.
Closing out credit cards could affect your credit utilization ratio. This is the proportion of your available credit you’re currently using and it’s responsible for 30% of your FICO score. Credit score companies typically like to see this ratio below 30%.
Resources, like consumer credit counseling, are available to assist you. If you are overwhelmed by your credit situation, seek professional assistance. You can locate a credit counseling agency through the National Foundation for Credit Counseling.
When you make a purchase using a card, your payment data information is temporarily stored by the retailer. If that retailer experiences a data breach, this may cause your card to be compromised. Customers of the following retailers had their information exposed due to recent data breaches.
A data breach is a security violation which results in sensitive, protected or confidential data being copied, transmitted, viewed, stolen or used by an unauthorized individual. In the case of retailer data breaches, this often includes unauthorized access to payment card data.