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Huntington Beach City
Employees Credit Union
Website Security
The HBCECU web presence currently utilizes four methods of online communication for the use of our members. These methods include Online Banking, email, and online submission form, and an online loan application. The level of security of each of these should be understood by all members prior to usage in order to ensure that no sensitive information is intercepted by third-parties.
Online Loan Application and Online Banking
These are the most secure of the four. Both utilize the highest level of encryption available to ensure that sensitive member information is never seen by anyone but you or the loan officer who reviews your application. When you visit the Loan Application page or the Online Banking page you will notice a padlock () appear at the bottom of your browser window. The padlock indicates that the connection between your computer and our server is secured by a 128-bit encryption algorithm. Any information you sent to us or request from us is protected from prying eyes.
Online Submission Forms and Email
When you visit the suggestion box using the "Easy Link" from the home page, or using the hyperlink from the Contact page, you will notice there is no padlock at the bottom of your browser window. This is because the submission form uses an email service to send the message, and since email is NOT a secure way to send us a message, you should never send any personal account information via this method. Also, since we cannot verify your identity via an email message, we will never release any account information back to a sender. This is for your protection. Currently, the most secure way to make account inquiries is via telephone or by logging into the Online Banking System. Use email and the submission form for general inquiries about the products and services that the HBCECU provides or for other non-personal inquiries that do not reveal sensitive information.
Refer any other questions about the HBCECU's online security measures to David Laughlin via webmaster@hbcecu.com. If you would like to learn more about security read below for a brief tutorial on the latest in Internet security.
Online Security

Before you engage in transactions involving personal information over the web you need to ask yourself one question How secure are online transactions? The answer may surprise you.

With today's encryption technology, buying and communicating online is safer in many ways than buying a meal at a restaurant and handing your credit card to the waiter to pay—provided the proper security measures are taken. It is also more secure than ordering items over the phone or by mail.


The answer lies in the technology used to encrypt—or protect—it. Encrypted information appears as a jumbled mix of characters if it is intercepted by hackers on its way from your computer to its destination. These characters are nearly impossible to decipher. When the information arrives at its destination, the system uses a "key" to unlock and decipher it, so the transaction can be completed.

Most sites that offer online ordering provide a detailed description of their security features. We recommend reading these before placing an order, to put your mind at ease.

How to Tell If an Online Transactions Is Secure


Look in the lower left-hand corner of your browser screen.

  • With Internet Explorer, a closed lock () will appear if the document is secure. The information you provide will be encrypted when you submit it. If no lock is present, the document is not secure and can be more easily intercepted by hackers.
  • With Netscape, a closed lock () (version 4) or a whole key () (earlier versions) indicates that the document is secure, while an open lock () or broken key () means it is not.

    The first time you access a secure document, an alert box will pop up in your browser to let you know the information you enter will be encrypted when you submit it over the Internet.

    You have the option to turn this alert off or to let it continue to appear in the future. We recommend you let it appear each time you enter a secure document. It's a great way to know the information you're sending is secure, without having to keep your eye on your browser's lock or key.

    NEVER enter your credit card information into a document that is not secure. Such documents offer no protection against hackers and others who might want to get their hands on your personal information. Simple forms that do not require sensitive (i.e. credit card or personal) information do not need to be safeguarded in this manner, and you should feel safe submitting them without fear.

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