How Wings Helps Protect Members and Their Information

What member-owned security means

A credit union is a member-owned, member-controlled cooperative, creating direct accountability to the people who use its services (National Credit Union Administration [NCUA], 2026) [1]. At Wings, that accountability includes protecting accounts, personal information, and access to services. Additionally, because credit unions operate as not-for-profit financial cooperatives, we have zero incentive to monetize your private data.

Regulatory requirements outlined under 12 CFR Part 748 also require us to prioritize security. In fact, federally insured credit unions must “ensure the security and confidentiality of member records” and protect against threats, unauthorized access, and harmful use of those records (NCUA, 2025) [2]. These federal regulations define our baseline for credit union security.

How Wings protects accounts and digital access

For day-to-day banking, our robust protections make it harder for someone else to sign in. They also enable you to spot activity that doesn't look right. Wings offers several tools to support credit union security and mobile banking safety:

• Layered login security: One credential doesn’t grant an attacker full access to your digital life
• Multi-factor security: Our multi-factor authentication adds another verification step beyond a password.
• Facial recognition and fingerprint access: Biometric options confirm identity through a supported device.
• Customizable alerts in digital banking: Account alerts notify you about balances or transactions.

Wings also flags suspicious debit-card transactions and may deny access or contact you to verify transactions. You can also use our online banking security tools to review activity and manage account settings.

How Wings protects personal information

Protecting an account also means safeguarding the information connected to it. Wings member data security relies on limiting access and using secure systems. Plus, we maintain processes to identify and respond to security events.

Second, we follow NCUA rules requiring federally insured credit unions to protect member records and respond to unauthorized access or use that could cause substantial harm or serious inconvenience (NCUA, 2025) [2]. For reportable cyber incidents, federally insured credit unions must notify the NCUA as soon as possible and no later than 72 hours after reasonably believing one occurred (NCUA, 2023) [3].

Education adds another layer of protection. Wings provides security content to help members strengthen scam awareness and recognize phishing, spoofed caller IDs, and impersonation attempts. If you’re wondering what is phishing, it is a scam that imitates a trusted source to trick you into revealing information or taking a harmful action. These defenses show how credit unions safeguard member information and help you protect your identity.

What Wings will never ask you to do

Scammers often create urgency so you act before verifying who is contacting you. That matters because the Federal Trade Commission (FTC) reported $3.5 billion in losses to imposter scams in 2025, and nearly one in three fraud reports involved impersonation (FTC, 2026) [4].

To avoid falling for scams, do not share passwords, PINs, or one-time verification codes because of an unexpected call, text, or email. In fact, Wings will never call and ask for an online banking username and password, PIN, or verification code. A caller also should not persuade you to transfer money to “protect” an account or hand over a payment card.

This is how you respond to a request to share information: Suppose someone calls claiming to be Wings security and says a transfer must happen immediately. End the call. Then open the official Wings app, visit the official website yourself, or use a verified phone number to contact Wings and confirm whether the warning is real.

Your role in protecting your membership

Wings provides safeguards, but your habits still matter. Taking these actions consistently reduces avoidable risk and makes suspicious activity easier to catch.

• Create secure passwords that are unique to your important accounts, and do not reuse banking credentials elsewhere.
• Turn on multi-factor authentication and supported biometric access. Also, keep the devices you use for banking updated and locked.
• Set account alerts, review transactions regularly, and report unfamiliar activity, lost cards, or suspicious communications promptly.

Shared responsibility is central to member data security and how credit unions protect members. For more prevention and recovery support, explore Wings ID Protect, which features credit monitoring, identity-theft resolution, and other benefits such as dark web monitoring for eligible checking members. Also visit the Wings Security Center for practical guidance on fraud, phishing, and account protection.

References

1. National Credit Union Administration. (2026, March 30). Overview of federal credit unions. https://publishedguides.ncua.gov/charteringmanual/Content/CharteringManual/IntroductionSummary/OverviewFCUs.htm
2. National Credit Union Administration. (2025, January 23). NCUA’s regulations and guidance. https://ncua.gov/regulation-supervision/regulatory-compliance-resources/cybersecurity-resources/ncuas-regulations-and-guidance
3. National Credit Union Administration. (2023, August). Cyber incident notification requirements. https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/cyber-incident-notification-requirements
4. Federal Trade Commission. (2026, June 15). FTC data show people reported losing $3.5 billion to imposter scams in 2025. https://www.ftc.gov/news-events/news/press-releases/2026/06/ftc-data-show-people-reported-losing-3-point-5-billion-imposter-scams-2025