Kirtland CU’s 2023 Annual Membership Meeting will be held Tuesday, March 21 at our Gibson branch at 4:30 p.m. Click here for complete details.

We have engaged FORVIS, LLP (Attn: Jeff Rosno, 1801 California Street , Ste. 2900, Denver, CO 80202) to perform member verifications. Kindly compare the balance of your accounts on your December 2022 statement WITH YOUR RECORDS. If balances do not agree, please address your discrepancies directly to FORVIS, LLP. Include your name, truncated account number, and an explanation of the difference noted.  A reply is not considered necessary unless a difference is noted.

The credit union is experiencing technical difficulties. We greatly appreciate your patience.

ROUTING NUMBER: 307070050

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3 Biggest Myths about Mobile Banking

By Ashleigh, K-Staff

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You need to transfer money from one account to another. How do you proceed? 

  • 1950: Put on your hat and overcoat and head to the castle-esque credit union downtown.
  • 1980: Head to the credit union—hat and overcoat now merely a fun fashion option—or make a phone call. (In those days, kids, a phone call meant you were tethered to the wall for the duration!)
  • 2010: Log in with the Internet! Ride the computer wave.
  • 2020: Your financial institution is in your pocket. Let your thumbs do the transferring!
 

Technology has transformed the way we bank, and while the breakthroughs and changes have been exciting, the newness of it all can cause trepidation. After all, going into a bank or credit union, talking to a representative, walking out with a physical receipt of your activity—there’s an air of safety and comfort in the routine. Sure, it’s not very convenient sometimes, but at least it feels familiar. Can we have convenience AND safety?

The truth is, Mobile Banking is at least as safe—if not safer than—more familiar banking options. The difference really is that safety depends, to some degree, on the user of these technologies.

Myth #1: If I have access to my accounts on my phone and I lose it, I’m vulnerable.

Fact: Using a phone or tablet generally requires a measure of authentication before the device will even operate. Face recognition, fingerprint security and PINs have made today’s phones incredibly secure.

Even if someone were able to gain access to your device, AND manage to unlock it, that person would still need to open your Kirtland FCU mobile app and go through Kirtland FCU authentication to reach your accounts. Phones tend to have built-in cryptographic hardware that is better leveraged to improve security and authentication. You’d need a pretty sophisticated hacker to outright break through the authentications.

Myth #2: Someone can see my transactions and information if I use apps like this.

Fact: As long as you are using your phone’s data network or a secured WiFi system, accessing your accounts is a private affair.

A note of caution: when you’re out and about, it can be tempting to connect to public WiFi. THIS IS UNSAFE. Do not ever conduct sensitive business while connected to a public WiFi. Watching cat videos? Go for it. Need to log into your bank or enter personal data? Make sure you’re on your phone’s data network, not a public connection.

Myth #3: These apps are hard to use.

Fact: Not strictly a security issue, we know, but Mobile Banking is incredibly easy to use, offering most of the features you’d find in Online Banking, plus some. Have a check you need to deposit?

You could head off to the bank, stand in line, and deposit your check. OR, you can log into your Mobile Banking app, take a couple photos of the check, enter a few pieces of information about the check, and you’re done! You can split a check at dinner, transfer money between accounts, even apply for loans and credit cards, all behind a secure authentication wall.

Personal Security

The biggest risks for involving Mobile Banking really come down to individual awareness and decision making. Here are a few rules-of-thumb that will help you stay safe when you venture into the world of mobile banking.

  • Check the app before you download – It’s technically possible for a thief to create a lookalike app to get you to gain access to your information. Make sure that any app you install is genuine. Read the reviews, check the developer name and how many downloads there are for that particular app. The best place to get a Mobile Banking app is from the website of your bank, credit union, or other financial institution. They’ll be linked so you can go straight to the app without searching. If you do have to search for the Kirtland FCU Mobile App, this is what you’ll see when you find our app. 

Make sure to note the Developer name, the number of reviews, and the number of downloads/ratings.

  • Keep your app up to date – Check for updates on your app and install them. Not only will you have the most up-to-date experience, you’ll have the latest security fixes and improvements.
  • Set all security and authentications – Set up your mobile device with face recognition or fingerprint identification abilities. Keep any backup passwords or PINs private.

Still have questions? We’re here to help! Give us a call at 1-800-880-5328, and we’ll answer any questions, even walk you through set-up. Find the Kirtland FCU Mobile App in your app store on your Android or Apple device.  

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Routing Number: 307070050

6440 Gibson Blvd. SE, Albuquerque, NM 87108

Copyright. Kirtland Federal Credit Union 2023. All rights reserved

Federally insured by NCUA Equal Opportunity Lender

THIRD PARTY LINK DISCLOSURE: We may provide links to third party sites, independent from Kirtland Federal Credit Union. These links are provided only as a convenience. Kirtland Federal Credit Union does not manage the operation, content or any links contained inside of the website you are about to enter. The privacy and security policies of the site may differ from those of Kirtland Federal Credit Union.

2023 Annual Meeting

Join us at our 2023 Annual Membership Meeting on Tuesday, March 21 at our Gibson Branch at 4:30 p.m.

Can't be there in person? Register to view online! Click Learn More for more details.

Kirtland CU Online, Mobile, and Telephone Banking will be unavailable on Sunday, December 11 between 12:30 – 7:30 a.m. as we perform system maintenance.

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