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Welcome To The Insighter!

Explore the latest happenings at Kirtland FCU and learn about important topics from around the financial world. Here’s your insight!
To learn about retirements, investments and financial planning, check out Invested now.

All Posts > Banking


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.  


Banking News

Grabbing your weekly groceries, filling up with gas, and weekend shopping—with increasing numbers of retailers accepting digital wallet payments, pulling out a physical card may quickly become a thing of the past.

Digital payments are convenient, valuable, and, best of all, very safe! With some simple setup, you may never want to carry your wallet into a store again.

What’s in a digital wallet?

A digital wallet is simply a payment-enabled service, located on a smart device, in which you can store your debit cards, credit cards, gift cards, and membership cards. You can use these services for online and in-app transactions and to send money to others (Person-To-Person services). Digital wallets also allow you to pay at a retailer by placing the device next to the reader to complete the transaction instead of physically swiping or inserting the card to pay. 

There are three major digital wallet services that you likely have access to via your smart devices: Apple Pay, Google Pay, and Samsung Pay. The three options are similar but do have a few differences in how they work and what you can do with them.

First, there are a couple of buzz terms you’ll need to know to fully understand how the technology works.
  • Near Field Communication (NFC) is a short-range method of communication that allows the mobile device to send payment information to a service terminal. All three wallets use NFC.
  • Magnetic Secure Transmission allows a mobile device to mimic the stripe on a traditional payment card. Instead of placing the device near the reader, you slide the phone along with outside of the reader where the you’d traditionally slide a card. The only digital wallet that supports MST payment is Samsung Pay.
To get started with any of the digital wallets, you’ll need to add your cards to your device. The method varies, but you can select your wallet below for detailed instructions on setup. Once you’ve added a card to your wallet, you can use the wallet to make online payments, send money to a friend, or pay at a retailer that accepts digital transactions.

You’ll know a retailer takes digital payments when you see the NFC symbol.  Also, if you see the logo for your wallet—Apple Pay, Google Pay, etc.—the payment system is also set up to work with that wallet.

Is it safe to pay with digital wallets?

Digital wallets offer unparalleled levels of convenience, in both your online and in-person shopping experiences. But using digital wallet options to pay is also incredibly safe—in fact, it’s safer to pay with a digital wallet than swiping a traditional card.

When we think of card safety, there are three levels of a sort in terms of security.
  • Level 1 – The Swipe - This is the least secure form of your card payment options. When you swipe a card, all the card information is read from the magnetic stripe on your card and transferred to the merchant directly. No encryption takes place.
  • Level 2 – The Chip - The little chip embedded in your debit and credit card represents a big leap forward in terms of security. During the transfer of information to a merchant, that little chip allows the information to be encrypted during transfer. Most cards issued now include this feature, but not all do.
  • Level 3 – Digital Payments - Using your digital wallet to pay is about the safest options you could choose. The first layer of security is your device security. Your device needs a passcode, fingerprint, or face identification to unlock. And after you do select to pay with your wallet, not only is your information encrypted, it’s not actually transferred at all! Instead, a unique identifier is transferred from your device to the merchant. When the transaction reaches your credit union or financial institution, it’s decrypted, and the unique identifier is used to retrieve your actual card information. Should the transaction be compromised in some way, only that unique identifier is revealed, which doesn’t do a thief much good on its own. The thief would need the identifier AND your device—and be able to unlock your device—to make it work.
Digital payments are not only convenient; they’re incredible safe. Many apps connect with your digital wallet. Grubhub, for instance, allows Apple Pay as a payment option. Simply select Apple Pay during checkout, follow the directions to confirm your choice, and you’re done! More and more retailers, online and physical, are accepting digital payments. Look for the NFC symbol, and start paying without ever pulling out your card.

Need help loading your Kirtland FCU Independence VISA debit or credit card to your digital wallet? Give us a call at 1-800-880-5328.


Why should you have to stop at a BANK to manage your money?

The world is on the move. And it’s moving fast. Good thing there’s a tool for that! How would Mobile Banking make your life easier?

Easy peasy! Jump on your Mobile Banking app and use PopMoney to send your portion.

Let’s check! Get a quick look at your available balances through your Mobile Banking app.

Transfers are quick and easy in Mobile Banking. You can even transfer money into your accounts at another bank or credit union, if you need to.
No problem! Mobile Banking lets you apply any time, anywhere! And not just for an auto loan. You can apply for any kind of loan through Mobile Banking—even a mortgage. Try not to stay up TOO late. Sleep tight!

So let’s get them paid! You can do it from the couch with Mobile Banking. You can even set up automatic payments, so next month you can stare right back at those pesky bills.

Life hack: there’s a FREE budgeting tool called Money Management in your Mobile Banking app. Check it out!

Get started with Mobile Banking today! If you know your Online Banking PIN, just download the app on your Apple or Android 
device, open it up, and tap “Sign Up”. No PIN? Just give us a call and we’ll help you get started. It’s safe, secure, and free!

Fees may be associated with various member banking services. See the fee schedule for complete details. Data charges by your mobile device provider may apply and are the responsibility of the device owner. Mobile Banking is compatible with iOS 9.0 and Android 4.3 or later, and is available for download from the App Store (iPhone), App Store (iPad) and Google Play Store (Android). All transfers are subject to daily and monthly transfer limits.


Security Banking

It’s the first of the month—do you know where your account statement is? 

If you’re still receiving your statement from Kirtland FCU the old-fashioned way (snail mail!), you’ll be waiting for a few more days. That’s because the process of printing and mailing statements takes time. But, it’s the 21st century! There’s no need to wait. If you haven’t signed up for e-Statements from Kirtland FCU, here are five reasons why you should consider doing it today.
  1. IT’S GREENER - Paper, paper, paper! It makes the world go ‘round. But all that paper means a whole lot of trees and a whole lot of recycling. Switch to e-Statements, and you’ll receive an e-mail each month reminding you to securely log in to your online banking account to review your statement, no paper required. Less mess, less waste.
  2. IT’S SAFER - There is a bevy of sensitive, personal information on your account statement—your name, your account numbers, and your address. A physical statement sitting in your mailbox is an attractive target for an identity thief. Keep your information safe by keeping it out of your mailbox and out of the hands of a potential thief. 
  3. IT’S FASTER - A traditional statement is mailed to you within the first few days of each month. Once in the mail, that statement has to travel through the post office system to arrive in your mailbox. But an E-statement? Let’s just say the delivery route for e-mail is a WHOLE lot faster. Don’t wait for your statement in the mail!
  4. IT’S CONVENIENT - Have you ever needed to check a transaction that happened a few months ago—or even a year ago? With a paper statement, depending on your level of organization, you’ll have to sort through a pile of paper to find the one you need. With e-Statements, you have access to the last 24 months of statements through your Online Banking account, 24/7. Talk about easy!
  5. IT’S EASY TO SIGN UP - Switching to e-Statements is easy! Just log into Online or Mobile Banking. In Online Banking, select Additional Services and click Online Statements. Through Mobile Banking, tap your navigation menu and select Online Statements. Just follow the prompts to enroll. You’ll begin to receive your e-Statements in your e-mail and have full access to the last two years of your statements.