Security

First Commonwealth has implemented a security system that safeguards your money. HomeLink and e-Payer exist in a protected environment that uses a nationally recognized networking architecture. It consists of the highest level of data encryption available today (128-bit) throughout the transmission to prevent unauthorized access. Also, no member information is stored on the Web server that is accessed by the public. Member information is safeguarded behind layers of security, which include automatic sign-off, encryption, firewalls, and password lockout.

Automatic Sign Off
Sometimes you may be using a remote computer when you are banking on-line, so remembering to sign off is very important. However, if you do forget to sign off, First Commonwealth will automatically sign off for you after a predetermined time period of inactivity.

Encryption
First Commonwealth uses several different types of technology to ensure the confidentiality of all its transactions through the Internet. Secure Socket Layer (SSL) protocol is one type. SSL is an open protocol for securing data communications across computer networks, providing secure channels for data transmission through encryption. SSL also provides transfer capabilities of digitally signed certificates for authentication procedures. Certificates of authentication offer message integrity, thus ensuring that data cannot be modified after it is sent.

Firewalls
The credit union is protected by a firewall, which is a secure barrier between the outside Internet and the internal credit union network. The firewall verifies each network packet and determines whether to permit access. All incoming Internet Protocol (IP) traffic is actually addressed to the firewall, which only allows pertinent information to flow into the credit union.

Password Lockout
In order to bank on-line, you need to use a unique password. First Commonwealth Federal Credit Union allows only three chances to enter a password. After three failed attempts, it is assumed to be fraudulent activity and the account is "locked out."  No further log-in attempts will be allowed. You must contact the Member Response Line at 610.821.2403 to regain access to your account.

First Commonwealth Federal Credit Union is dedicated to providing its members with alternative banking options that have stringent, built-in security measures. We place your privacy, protection, and piece of mind at the forefront of our on-line banking services.