Information Security

We've got your back.

We’re committed to protecting you against scams, fraud, and identity theft, through both our services and ongoing education.

Protect your identity with Fraud Defender

Identity theft is when someone uses key pieces of your personal information against you for their personal gain. Unfortunately, you have a higher chance of having your identity stolen than you do of being involved in a violent crime, having a heart attack, or even getting into a car accident. With Fraud Defender, we can lower those odds.

  • Basic Protection

    A cost-effective and fundamental solution to guard against identity theft, including: fully managed recovery, lost document replacement, internet black market monitoring and credit monitoring. You’ll receive reimbursement on out-of-pocket expenses incurred recovering your identity, up to $1 million, and a professional recovery advocate works with you and on your behalf to resolve all issues.

    Basic Protection is just $2.95 per month for an individual or $5.80 per month for a family.

    Sign up for Basic Protection

  • Preferred Protection

    A more comprehensive solution, with all of the features of Basic Protection, with the added benefit of a “credential vault,” which securely stores information for up to 50 credentials, such as credit cards, checking accounts, savings accounts, personal loan information, passport, retirement accounts and more. This package also includes an annual credit report, credit score and credit monitoring. You’ll receive alerts anytime information on your credit report is updated.

    Preferred Protection is just $6.95 per month for an individual or $13.70 per month for a family.

    Sign up for Preferred Protection

  • Premium Protection

    Includes all of the features included in Preferred Protection, plus 3-bureau credit monitoring, and ID monitoring of public records, which monitors millions of public database records to identify changes to your personal information. This includes changes to your name, address, Social Security Number and phone numbers, as well as other key identifying information.

    Premium Protection is $12.95 per month for an individual or $24.90 per month for a family.

    Sign up for Premium Protection

Website and Online Banking Security

Meridian Trust is dedicated to protecting your security and account information. We use the latest security and intrusion software and firewalls, and maintain physical, electronic and procedural safeguards that exceed federal regulations, to guard your non-public personal information.

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    Encryption

    Our website home page is protected using Verisign security. This ensures that our website is authentic and protected. Our Online Banking uses 128-bit secure sockets layer (SSL) encryption, as well as additional security procedures.

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    User Names and Passwords

    Online Banking requires strong user names and passwords to protect your account. Meridian Trust recommends you always select strong user names and passwords.

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    Multifactor Authentication

    Online Banking asks you identity questions as an added security layer when we do not recognize the computer you are using.

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    Secure Email

    All email sent to Meridian Trust using our Secure Email Portal is secured to protect your personal information.

The more you know

Learn more about our free shredding services, what we do and don’t do when it comes to your personal information, and common scams to watch out for.

Meridian Trust values the trust our members place in us to protect their privacy. If you’re interested in exactly how we do so, please review our Privacy Policy.

Meridian Trust FCU will never ask you for any personal information, including any account information or Social Security number via email. Email is a responsible way to deliver product and service offers, regulatory information and rate updates, but beware of all emails that go beyond this type of communications.

We have systems in place to monitor suspicious activity, and share all information about scams, phishing and other fraudulent activities that may affect members. Keeping up to date means you’re less likely to be taken advantage of.

Unfortunately, scammers will use any opportunity to take advantage of people’s trust. COVID-19 is no different, and it has hatched its own breed of online scams. Stay up to date on what to be aware of with Meridian Trust’s Coronavirus Scams tracker.

Coronavirus: Scammers Follow The Headlines

Avoid Coronavirus Scams

COVID-19 Consumer Warnings and Safety Tips

When tax season is in full swing, many people fall victim to scams about owing the IRS money, saying they cannot file or receive their refund until it is taken care of immediately. These scammers usually request to be paid in gift cards. Read more about IRS Scams like this, and others, and how to prevent yourself from becoming a victim.

You need to shred financial documents that you no longer need, otherwise identity thieves can steal them from your trash. Protect your privacy with Meridian Trust’s Free Shredding Service.

As a Meridian Trust member, you can bring up to 25 pounds of confidential, personal documents to either of our Cheyenne locations for free document shredding.

So what should you shred? Here’s a list of where to start:

  • Credit union statements
  • Credit card statements
  • Monthly bills
  • Cancelled checks
  • Blank checks
  • Investment information
  • Financial statements
  • Medical records
  • Income tax records
  • Credit reports
  • Credit card offers

Really, you should shred anything you wouldn’t feel comfortable having someone pick up and read. Criminals need very little information to steal your identity, and once your financial information hits the trash, your identity is floating around waiting to be stolen. Shredding is a free, minimal inconvenience compared the costly, time-consuming and worrisome process of having your identity stolen.

But how long should you keep documents? Here are some general guidelines for you:

  • Keep any tax-related records for seven years
  • Keep records of IRA contributions permanently
  • Keep quarterly retirement/savings plan statements until you receive an annual statement. If the numbers match, shred the quarterlies and keep the annual summaries permanently.
  • Shred unimportant credit union records after one year; keep the rest permanently
  • Keep brokerage statements until you sell the securities
  • Most of the time you can shred bills once you get a cancelled check. Keep bills for big items permanently.
  • Keep credit card receipts to reconcile with your statements, then keep the statements for seven years
  • Paycheck stubs should be kept until you receive your end-of-year tax statements
  • Keep house records permanently

Protect yourself today!

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