Account Safety & Security: Best Practices During a Consumer Data Breach

We understand how unsettling it can be when news of the latest consumer data breach hits the airways. And, nowadays its a regular occurance for large retailers, which puts the majority of Americans at risk. 

Liberty Bay always encourages our members to stay vigilant, and now, more than ever, consumers can and should play an active role in protecting their accounts. While we cannot advise on behalf of any bank, creditor, or retailer dealing with a breach, at times like these we like to remind our members of the many ways in which you can stay on top of your accounts and stop identity theft in its tracks.   


Here are some suggestions to keep your accounts and personal information safe:

  • Monitor your credit reports regularly. This can be done through a credit monitoring service such as LifeLock, IDShield, Identity Guard, or Credit Secure. You can also order a free credit report every few months directly from the credit agencies, or through
  • Monitor your bank accounts and credit cards regularly. Look for any signs of fraud, and immediately report any suspicious activity to your bank or creditor. Use tools such as online account access and account alerts to stay on top of your accounts.
  • Consider placing a credit freeze on your credit file. A credit freeze makes it difficult for anyone to open a new account in your name (as each new account needs to be authorized using a PIN). Credit freezes can be placed with each Credit Bureau through these links: Equifax, Experian, TransUnion, and Innovis. There may be a small fee for placing a freeze on your account. 
  • Consider placing a fraud alert with each Credit Bureau. A fraud alert is intended to warn creditors that you may have been the victim of identity theft, and asks them to verify the identity of anyone seeking credit in your name. This is a less severe tactic than a credit freeze. Fraud alerts can be requested using these links: Equifax, Experian, TransUnion, and Innovis.
  • File your taxes early. The FTC recommends filing your taxes early to make sure that someone else doesn’t file in your name to get a refund before you file your own tax returns.


You can take control of your own account safety and security with Online Banking. Our robust Online Banking platform offers a variety of tools to help you stay informed. We encourage you to enroll in Online Banking wherever you bank, and take full control of your financial security! 

Online & Mobile Banking Security Features

  • See real time account balances, transaction history and cleared check images 24 hours a day, and seven days a week.
  • Set up account alerts to notify you of low balances or irregular transactions.
  • Go paperless with e-statements, and send and receive encrypted Liberty Bay Credit Union messages. 
  • Make internal transfers and loan payments; and pay your bills safely and easily with Bill Pay.
  • Use account aggregation to gain a full view of your financial profile from Liberty Bay, as well as from other participating financial institutions and creditors, all in one place.

Click here to learn more about our Online and Mobile services.

To enroll in Online Banking, click on the LOGIN button at the top of the screen, and select "Register." Have your member number ready. Our Mobile App is available in the App store and Google Play store. You must be enrolled in Online Banking to sign up for Mobile Banking. Native iPhone, iPad, or Android apps are available.