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Knowledge is the best first-line of defence

With the importance of protecting yourself from the growing threat of online fraud and data theft, you may be wondering what you can do to protect your personal information and accounts. Awareness and playing an active role in safeguarding your online access are essential. It's not always easy but it's important.

Cyber-smart routine guide

Learn about how to keep your devices safe and all about creating a cyber-smart routine in our guide.

Download guide
For more content, watch these helpful videos by the Canadian Credit Union Association.

How Coast Capital can help you protect yourself

Unlimited & Elevate Chequing

ID theft monitoring and protection with ID Assist®.

Get peace of mind with 24/7 dark web monitoring to protect your identity and personal information. Included with our Unlimited and Elevate Chequing Accounts or as separate paid plans.

Learn more

Three ways to protect yourself against cyber fraud

1
Do not click on any links or reply to messages requesting personal information.
2
Only download mobile apps from the Apple App Store and Google PlayStore.
3
Review your accounts regularly. If you see something suspicious, let us know right away.

Passwords and PINs to avoid

Create passwords and PINS that are complex and change them regularly (e.g., every three months). Also ensure to use unique passwords for your different accounts. You can also use passphrases, which are longer yet easier to remember than complex passwords (e.g., "Closet lamp Bathroom Mug"). Never use identical passwords such as:

  • Sequential numbers (e.g., 1234567)
  • Repeated numbers (e.g., 0000000 – 9999999)
  • Backward sequential (e.g., 7654321)
  • Alternating (e.g., 0101010 – 8989898)
  • Sequential with reoccurring (e.g., 1234123)
  • Your address, your date of birth or your phone number

Your online and mobile security is a shared responsibility

Cybersecurity is a team effort, and Coast Capital is vigilant about securing your accounts. But your role is more important. As detailed in the Personal Accounts and Services Agreement you have with us, you must protect the security of your accounts. Just some of the steps you are expected to take are:

Maintain the care, control and confidentiality of your user name(s), personal access code(s) and password(s) that you use to access digital banking.
Always use current firewall and anti-virus programs, and promptly installing all updates and security patches for all software you use.
Never provide any account information or any Identity or Proof of Identity to anyone in response to an unsolicited email, text or call.
Always verify the identity of any caller claiming to represent us, and the authenticity of any telephone number or website address provided by a caller or in an unsolicited email.
Always sign off and close your web browser promptly after you have finished accessing digital banking, and sign off and close the Coast Mobile Banking app promptly after you have finished using it.

Here are some important FAQs answered

Call us immediately toll-free at 1.888.517.7000 (Mon-Sat, 8am-8pm; Sun, 9am-5:30pm) if you:

  • Can’t locate your debit card
  • Do not recognize transactions on your Coast Capital bank statement or Coast Online Banking
  • Are concerned your Personal Access Code or PIN have been compromised
  • Notice cheques missing from your cheque book
  • Do not receive your bank statement by the usual delivery date
  • Responded to a scam artist by providing personal/financial information or money
  • Are unable to locate your personal identification such as driver’s license, passport or social insurance number

Call any creditors immediately if your bank cards, credit cards or identification are lost or stolen. You should also report this incident to the police and Canada’s credit reporting agencies at:

Review all recent transactions on your account linked to those cards including chequing, savings, credit etc. Ensure that there hasn’t been a request for an address change, title change, PIN or PAC change, or new cards or cheques ordered to be sent to another address.

Coast Capital will immediately take steps to help protect your account from illegal transactions. Depending on the circumstances we can help you protect your account at Coast Capital by:

  • Reviewing all recent transactions on your account(s)
  • Placing flags on your account(s)
  • Cancelling and reordering a new MemberCard
  • Putting a stop payment on any missing cheques
  • Helping you change your Personal Access Code for Coast Online Banking and Coast-by-Phone® Banking
  • Restricting or stopping access to your account(s)
  • Helping you open new account(s)
Be sure to also contact any other creditors or financial service providers as soon as possible.

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