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Practice safe social networking

Social networking sites like Facebook and Twitter are a great way to stay in touch with family, reconnect with friends, share news and photos and broadcast what's on your mind.

They're also a great way for cyber criminals to find out information about you. After all, most people provide a lot of personal details like where they work, who they're related to, when they're on holiday, their address and so on without giving it much thought – making it easy for just about anyone to learn what they want to know about you. 

Tips to keep your private information private

Fortunately, it's just as easy for you to protect yourself and enjoy the experience by keeping these social networking safety tips in mind:

  • Check out the privacy and security settings of your social network and use them to control who sees what. Most have default settings which likely provide more access than you'd like. You can adjust settings to the highest possible level to protect your information and control who can see personal details (rather than "everyone" or "friends of friends").
  • Read the privacy policy carefully. Sometimes the wording can be confusing and you may allow the site to use your information without realizing it.
  • Never include your phone numbers, email address, home address, work details, your child's school or any other personal information on your profile page.
  • If someone you don't know tries to "friend" you, ignore it. There's no way to be sure they are who they say they are.
  • Before you post pictures, think about whether or not they're appropriate or give away too much information about you. For example, does that shot of the family barbeque show your street name in the background? Can you see your car's licence plate in the photo of you beside it?
  • Avoid geotagging photos. Most smartphones and many digital cameras automatically attach the exact location where a photo was taken – and when you share it online, the geotag can give away your address or let criminals know that you're on vacation, which could make your home a target for break-in. Check the manual of your device to turn off geotagging, and remove geotags from older photos with photo editing software.
  • Remember the more personal information you provide, the easier it is for a hacker to access it and potentially steal your identity (or for other criminals, like stalkers or sexual predators, to learn more about you). It's always a good idea to be discreet.
  • Ignore links that look suspicious, even if they're from friends. Your friend may not be aware of it, which means the link could be part of a phishing scam or contain malicious software.
  • About those suspicious links – don't be fooled by links that say things like, "You have to see this!" Chances are it's a hoax and you'll probably spam your entire friend list.
  • Don't mention things like going away on vacation, big purchases or events that include your address in your status updates. You may also want to delete messages from friends who mention these things to avoid the possibility of someone robbing your home while you're away.
  • Always log out at the end of a session, close your browser and clear your cache. Here are examples of how to do this:
    • In Firefox, go to Tools > Clear Recent History
    • In Internet Explorer, Go to Tools > Delete Browsing History
    • In Chrome, go to the wrench icon in the top right hand corner. Under the Bonnet > Clear Browsing Data
  • Never include banking information – not even the name of your bank.
  • The only one who should know your username and password is you. Once you give them to someone, they have total control of your account and can say and do things that could impact you.
  • Set up a separate email address just for your social networks, and use unique passwords.

Kinds of scams on social networks

New scams pop up on social networking sites every day, promising easy money, freedom from a 9 to 5 job, and amazing boosts to your social status. While they look tempting, many of these offers turn out to be schemes to spread viruses and spyware. The best advice? Click with caution.

Here are some of the most popular scams to be aware of:

  • Clickjacking – using catchy headlines like "find out who's looking at your profile" to get you to cut and paste a link into your browser, which then infects your computer and spreads spam to your contact list.
  • Fake polls – links that take you to a page outside of the social network and often ask for your mobile number. These are probably scams. (Check your bill for racked up charges!).
  • Phishing – attempts to get your username and password and may even set up fake pages to get you to sign in.
  • Phony message – often messages from the social network that say "urgent".
  • Money transfer – requests to wire money to someone you may or may not know.
  • Fake friend request – accounts that are set up just to send out spam.
  • Fake page – sometimes set up as a front for clickjacking and phishing, offering prizes for forwarding to friends.
  • Fake apps – often a cover for phishing, malware, clickjacking or money transfer schemes. When you "Allow", spam is spread through your network.
  • Popular scams – contain a link with a fake software update that downloads malware that infects your computer, hijacks your online profile and spams your friends. Lottery scams and "Nigerian 419" are popular examples.

While all of these scams exist, it doesn't mean you have to be nervous about social networking. The most important thing is that you think things through and use your intuition when it comes to anything suspicious.

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What is the IoT?

Many devices you use daily are connected to the internet. Not just smartphones and computers, but home appliances and systems, vehicles, TVs, portable electronics, and even wearable technology.

How the IoT affects your personal security

Many things connected to the internet send information about their use back to the manufacturer. They can also be hacked by outside parties. It's important to understand how to use the IoT without compromising your privacy or security.

Types of IoT technology

IoT in your home

Your entertainment, heating and cooling, and security systems (including baby monitors and toys) can be part of the IoT. But so can “smart” appliances in the kitchen, etc.

IoT on the move

It's not just smart phones. Wearable technology, like smart watches and fitness trackers, are common IoT wearables. Connected clothing, shoes, eyeglasses, and more may be coming soon.

Some cars and other vehicles are now connected to the internet. As well, cameras, gaming systems, pet trackers, and more.

How to recognize IoT devices

Many connected devices and appliances need to be set up using your phone or computer, and connected through Wi-Fi or Bluetooth.

Electronics that send you notifications for software updates are connected to the internet. As is anything that you can track or control through your smartphone or computer.

How to safely use the IoT

  • Understand what personal information is being collected and why it's needed before you buy IoT devices or download apps. 
  • Put IoT devices offline when not in use, particularly anything with a camera or microphone
  • If you can, set the privacy controls so you aren't sharing information you don't want to
  • Change the default username & password of your smart devices to secure your home network.

Learn to #ConnectSmarter with the IoT at

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Banking and Finance


A lot of people now choose to skip bank lines and opt for the convenience of banking online. After all, you can pay bills, check payments and transfer funds from anywhere – even on your mobile phone.

While the benefits outweigh the risks, you can never be too safe when it comes to your financial information and protecting everything you've worked hard for.

How cyber criminals get your information

The most likely place a cyber criminal can get your financial information is from you. That's right – you may hand it right to an identity thief without even knowing it.

Cyber criminals know banks go to extreme measures to protect your financial information, and their chances of getting into these systems are slim. So they phish, spy and hack their way into your information from other sources, piecing together what they need to access your financial accounts. Once they're in, they can take out a loan, buy a car and even get a mortgage on a house.

How to ensure safe Internet banking and investing

Keep an eye on your accounts without worrying that anyone else is with these Internet banking safety tips:

  • Your first course of action is to choose strong passwords for your banking and online investing accounts and keep them private.
  • Look for the lock symbol on the website or "https://" at the beginning of the website address (the "s" means "secure") to be sure the site is encrypted.
  • Never allow "auto fill" or "auto-remember" of your password or personal information.
  • Double check that your anti-virus protection and web browser are both the latest versions. If your software offers the option of automatic updates, take it. It's the best way to keep up to date.
  • Use a firewall and make sure it's set to "on". For example, Windows Firewall is on by default on the latest version of Windows, but make sure it isn't turned off: open Windows Firewall by clicking the Start button then the Control Panel; in the search box type "firewall" then click Windows Firewall; in the left pane, click Turn Windows Firewall on or off.
  • As soon as you're done banking, close the browser window, clear the cache (delete your browser history) and disconnect from the Internet. Here are examples of how to do this:
    • In Firefox, go to Tools > Clear Recent History
    • In Internet Explorer, Go to Tools > Delete Browsing History
    • In Chrome, go to the wrench icon in the top right hand corner. Under the Bonnet > Clear Browsing Data
  • When you're banking online, never use public Wi-Fi or public computers
  • Remember that legitimate banks and businesses will never ask for your personal information in an email, so be suspicious if you get this request.
  • Beware of "packet sniffing" – if more than one browser tab is open at a time, packet sniffer programs can see all of the information passing over the network and can potentially monitor:
    • Which websites you visit;
    • What you look at on the site;
    • Who you send e-mail to;
    • What's in the e-mail you send;
    • What you download from a site;
    • What streaming events you use, such as audio, video and Internet telephony; and,
    • Who visits your site (if you have a website)
  • Always enter the website address in the browser yourself – never use a link.
  • Review your account activity regularly and get in touch with your financial institution right away if you notice anything strange.
  • Don't believe everything you read in online newsletters, investing blogs, or bulletin boards. Fraud artists often float false information and "hot tips" as part of their efforts to rip-off investors or manipulate the market for a particular security.
  • When in doubt, call your bank about suspicious messages. Some spammers use variations on a bank's name, so it may look legitimate even when it's not. Verify by phone and don't reply to a suspicious message or click on a link that's in it.
  • Read the Internet security guides offered by banks to stay up to date
  • Find out about phishing and be aware of the latest scams.
  • Always log out completely.
  • When disposing of an old computer or other device, be sure to erase all personal data.
  • Download software and erase the hard drive yourself or hire a professional to wipe the hard drive clean.

Things to keep in mind while banking on the go

Using your mobile phone to do your banking can be a convenient way to manage your finances from anywhere. Most banks now provide an app that makes it easy to access your information and complete transactions, but before you log on make certain of the following:

  • Is your wireless network secure? If you're picking up a wireless signal at a hotel for instance, you may not want to send sensitive information.
  • Is your mobile banking application actually from your bank? Be sure it's the real thing and not a copycat.
  • Have you installed anti-theft technology on your mobile device, and backed up your data?
  • Does your device automatically lock after a period of time? If not, it's a good idea to set this feature and use a strong password for your mobile device.
  • Have you stored your passwords and banking information (branch #, bank address) on your mobile device? If you lose your phone, this information would go with it.
  • Are all of your apps and device software current? Consider verifying an app's authenticity with your bank in person or on the phone.
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Most Canadian Internet users feel vulnerable to online threats. And yet many people take risks online, such as opening email from an unknown source or not protecting personal information stored on a computer.

Take the time this October, during Cyber Security Awareness Month, to review your online safety practices. Cyber security matters to everyone, every day. You can do your part to make cyber space safer by taking the following simple steps.

1. Protect your identity

Use different usernames and passwords for different accounts. Make passwords harder to guess by combining letters and numbers, and change them regularly.

2. Turn on your firewall

Firewalls are the first line of defence: they block connections to unknown or phony sites and prevent viruses and hackers from accessing your computer. Your computer operating system has a firewall that can be turned on very easily.

3. Use anti-virus software

Install anti-virus software to prevent viruses from infecting your computer. This software should be updated regularly.

4. Block spyware attacks

Install anti-spyware software to prevent spyware from installing itself on your computer. This software should be updated regularly.

5. Install the latest operating system updates

Make sure that your applications and operating system (Windows, Macintosh, LINUX) are up to date.

6. Back up your files

Protect important files from viruses and physical damage such as flood and fire by regularly backing up your files on an external drive or removable media. Store it in a safe place.

7. Protect your wireless network

Wireless (Wi-Fi) networks are vulnerable to intruders if they are not protected once installed. Do this yourself, or ask an expert for assistance when you purchase a wireless router.

8. Delete emails from unknown senders

Never open emails or attachments from people you don’t know, and never follow any links to Web sites included in these emails. They might infect your computer with a virus or spyware. Delete such emails immediately.

9. Surf the Web safely

Be careful when sharing personal information such as your name, address, telephone number and financial information online. Check that Web sites are secure (such as when making online purchases) and that the privacy settings are turned on (such as when accessing or using social networking sites).

10. Get expert help

Call local police if you discover suspicious content online (such as child exploitation) or if you suspect computer crime, identity theft or a scam. If you need help maintaining or installing software on your computer, call a computer expert or a local supplier.

These tips are provided by Public Safety Canada.  Visit their website HERE for more info.



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With the equifax breach that happened last week, here are some links for further information.

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Rocky Credit Union CEO Retirement & Appointment



ROCKY MOUNTAIN HOUSE, AB (July, 2017) – The Board of Directors for Rocky Credit Union have announced a change in the organization’s top leadership post.  Doug Glessing, who has served as Rocky’s Chief Executive Officer for the past 6 ½ years, is retiring at the end of July.  Doug’s successor is Randall Sugden.  Randall brings 10 years’ of leadership experience from his previous position as VP, Finance with Rocky Credit Union.

Glessing has enjoyed 40+ years of credit union experience.  Glessing started his career in Saskatchewan at Credit Union Central and the Credit Union Deposit Guarantee Corp, where he worked for 13 years.  Glessing then went on to be GM and CEO of a number of Credit Unions in Saskatchewan and Alberta for the next 21 years before coming to Rocky Credit Union in 2011.  Glessing stated "I am pleased to have had the opportunity to work for over 40 years in various capacities within the CU System, a financial services system that strongly supports employees that are dedicated to serving Members and communities first. I do feel it is very fitting and I am extremely proud to have finished my career as CEO of Rocky CU, a CU that indeed epitomizes the grass roots CU system philosophy of exceptional service and dedication to Members and Community". 

Driven by both cooperative and credit union values, Randall Sugden has spent the last 10 years in the VP, Finance role where he has demonstrated unwavering dedication in his ability to provide strategic, visionary leadership in helping the credit union achieve organizational success.  He is an active member of the local community and is well respected by his peers and colleagues.

Randall shared the following message on acceptance of the position:

“I am very excited to become Rocky Credit Union’s CEO and I look forward to our continued success.  I have had the honour and pleasure of working with Rocky for the past ten years and will continue to work with the Board and staff to make RCU the best possible place to work while keeping our member needs top of mind.  I look forward to working directly with the Board of Directors, executive and staff to ensure we are bringing value to our membership.”

Rocky Credit Union was founded in 1944 and has $350 million in assets. RCU is the 8th largest credit union in Alberta and the largest single branch credit union in Canada.   

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Cast your vote before May 24th!

 Voting has begun on your favourite photo for the 2018 Calendar. The Canadian Credit Union Association (CCUA) seeks your participation in selecting the winners of our 2018 Calendar Contests. Vote for the images you feel best represent Canada and that you would like to see featured in the Regional and National editions of the 2018 CCUA Credit Union Calendar. Voting is open to everyone from May 17th - May 24th, 2017. Winners from all regions will be announced on June 1st, 2017. Click here to cast your vote.



2018 Canadian Credit Union Calendar Photo Contest

Canada’s Credit Unions invite you to have your picture featured in the 2018 Calendar. Submit a photograph depicting your favourite part of Canada and you could be one of the winners. Photo submission deadline is May 11th, 2017. Download the submission form at .


Fraud Facts 2017 pdf
 The Ultimate prevention against Fraud is knowledgeable cardholders;

• Sign up for MemberDirect Alerts.

• Keep your PIN confidential.

• Be aware of sticky terminals (shimmers & skimmers).

• Notify your Branch when travelling internationally.

Check out these Fraud Facts for 2017.$file/FraudFacts2017-Eng.pdf




“Shimmers” are the new “Skimmers”. Fraudsters have developed a smaller card reader that is installed quickly and discreetly while pretending to make a purchase or withdrawal. Once installed, the microchips on the shimmer records information from the chip cards, including the PIN. The information is then used to make fake cards. Your only clue may be a sticky card in the terminal. Watch this video clip for the full news story



Contact Rocky Credit Union

5035 49 Street
Rocky Mountain House AB  T4T 1C1

P    403 845 2861
F    403 845 7295

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