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Consumer Protection

As with performing any online transactions, there are certain risks associated with banking online. In an effort to educate our members on enhanced electronic security we provide the following:

St. Jean's Credit Union will NEVER initiate a phone call or email asking you to verify your Social Security Number, account number or other personal information. We may, however contact you in the following situations:

  • If you submitted a Bill Payment there and theere is a question on the address or Company information
  • If you have not used your online banking products for a time period or your online banking account is locked out
  • If your ATM/Debit Card is captured in an ATM
  • If your ATM/Debit Card or PIN mailer is retured to the Credit Union

Strengthening Online Security at Home and the Office

For guidance on how you can strengthen your internal online security controls, both at home and the office please visit us online at www.stjeanscu.com. There you will find information on recent fraud identity alerts, identity theft prevention tips and more.

The Federal Trade Commission's Bureau of Consumer Protection (FTC) publishes security tips and advice about avoiding scams. We encourage you to access this information here.

Passwords & Encryption

When you bank online, you will be asked to create a unique username and password to access your accounts. This information is encrypted during transmission, using the highest level of encryption available, 128-bit. The encryption is really a coded sequence with billions of possible variations making it nearly impossible for identity thieves to decipher.

You'll know that a secure version of commuincations protocol is being used if:

  • The URL in the address bar is prefaced with "https" vs. "http" - this indicates "secured".
  • The address bar background color is green - this indicates an SSL certificate is in place. The SSL certificate is a secure certificate that ensures secure transactions/information between web servers and browswers.
  • You see a padlock icon in the address bar (IE 9 may not display this padlock). If the padlock is visible, you can click on the padlock to view the SSL Certificate. If the padlock is not visible, you can simply right click on the webpage. A menu should appear and one of the menu options will be "properties". Select this option and a new window will open. Click "certificates" to displace the SSL Certificate.


Please note that St. Jean's Computer systems are protect 24 hours a day by firewalls that block unauthorized entry. In order to gain access to authorized information, the Web browser you are using must know the proper protocol or language and even then only select information is available.


St. Jean's Credit Union maintains and monitors our security system to ensure that your accounts are safe and secure.

Fake Checks

The National Consumers Leage (NCL), the nation's oldest nonprofit consumer organization, has developed a website to educate consumers about fake check scams. NCL reated the site in collaboration with the Alliance for COnsumer Fraud Awareness, a coalition of consumer business orgainzations, government agencies and companies that are committed to fighting fake check scams. 

The goal of the site FakeChecks.org is to educate consumers on how to recognize and avoid potential scams. Information is presented in a format that is easy to read and unsterstand. the site includes video clips showing actual people, so consumers can see firsthand how scammers try to operate. The videos provide great examples of several of the more popular scams currently in operation. Visit FakeChecks.org and reduce your chances of becoming the victom of a fraud scheme and losing your hard-earned money. 

How to Contact St. Jean's Credit Union

If you receive commuincation (email/text/phone) from ST. Jean's Credit Union which you suspect is aimed at defrauding you, contact us at info@stjeanscu.com or 978.219.1000. If fraud is evident you may want to file a complaint online with the Federal Trade Commission (FTC) or call its Identity Theft Hotline at 877-IDTHEFT (877.438.4338).

The Electronic Funds Tranfsfers Act (Regulation E) convers rights and responsibilites regarding electronic funds transfers. For detailed infromation on your liabliites and responsibliites on electronic funds transfers please refer to the back side of your checking or savings statement.

Credit Reports

It is important to review your credit report at least once a year to ensure the information is correct and free of any suspicious activity. The information below describes how easy it is to review your credit for accuracy and protect yourself from identity theft and fraud.

Free Annual Credit Report

Under the FACT Act amendements to the Fair Credit Reporting Act, you are entitled to one free Personal Credit Report in a 12-month period. To request this free annual report call toll free (877) FACT ACT (322-8228).

Credit Bureaus

In addition, a credit report can be ordred from each of the credit bureaus listed below. The credit bureaus charge a fee for the credit report; however, this fee is waived if you meet certain criteria such as being turned down for credit in the past 60 days.

In addition, Massachusetts' residents are eligbile to receive one free credit report from each of these credit bureaus in a calendar year.

Equifax - 800.6845.1111
Experian - 888.397.3742
TransUnion - 800.888.4213