A heck of a lot safer than stuffing your cash under the mattress.

Personal information stays personal. Period.

We’re dead-set on keeping your personal information safe. Our technology and security measures are continuously updated and always in accordance with federal law to keep you from becoming a victim of fraudulent activity.

Online & mobile security

Protecting you and your funds. 24-7-365.

128-Bit Secure Sockets Layer (SSL) Technology For your protection you must use a browser that supports 128-bit encryption, the strongest method of encryption available for use today to access your Andigo accounts online. The latest versions of Chrome, Firefox and IE are up to date, so we suggeusing one of those.
Firewalls Your online account session will automatically end if there's no activity for 30 minutes. After this timeout, you’ll need to log in again. This is to protect you from accidentally forgetting to log out of your account and someone using the same computer after you having access to your personal stuff.
Timeouts Your online account session will automatically end if there's no activity for 30 minutes. After this timeout, you’ll need to log in again. This is to protect you from accidentally forgetting to log out of your account and someone using the same computer after you having access to your personal stuff.
Multi-factor Authorization Not only do we ask you to enter your username and password, but we have added another layer of enhanced security that includes a temporary access code to get into your account, proving you’re who you say you are.
Third Party Links Sometimes we’ll link you to partner sites or resources outside of andigo.org. When you click on one of those links, you’ll get a pop-up window that notifies you that you are about to enter a third-party site that is owned and operated by someone other than Andigo. Before clicking the “continue” button, we recommend that you first read and evaluate the privacy and security policies of that organization to fully understand what information may be collected with or without your knowledge. We do our best to link you to companies we admire that we feel offer helpful info, but we’re not responsible for and nor do we endorse, approve or guarantee the accuracy of information or recommendations on external websites. Like visiting any site on the web, use your best judgement when reading and taking action on what you learn on a site.
Wireless Transport Layer Security (WTLS) Our mobile banking is encrypted using the Wireless Transport Layer Security (WTLS) protocol, which provides the highest level of security available today. Additionally, all data that passes between the wireless gateway, MShift’s servers (our mobile banking vendor), and our own Andigo web servers is encrypted using Secure Socket Layer (SSL) certificates. A lot of acronyms that lead to mobile safety.
Text Banking Security We’re hyper-careful to ensure that text banking will never include any sensitive information about your accounts (i.e. account number, PIN, email or personal address). What they do include is your balance and most recent transaction information -- helpful stuff, not personal stuff.

Indentity theft assistance

What to do when you are not you?

Recovering from Fraud Identity theft is a national problem. If you’re ever a victim, we’re here to help -- even if it doesn’t involve your Andigo accounts. First thing’s first - If you suspect you’re a victim of identity theft, please contact us immediately at 847.576.5199 or toll-free at 877.270.6392. We can help determine if identity theft has taken place and guide you in the resolution process via our partner, GreenPath Financial Wellness. These guys are a nationwide, non-profit financial organization that assists consumers with credit card debt, housing debt and bankruptcy concerns. Their professional credit counselors are here to help you solve your financial problems for free. In fact, we’ll pay for 12 months of credit-report monitoring (usually costs about $120) so you’ll have access to your credit reports from all three credit bureaus on a monthly basis to keep a close eye on new and/or unusual activity.
Report Lost or Stolen Credit / Debit Cards To report your card lost or stolen, please contact us immediately at 847.576.5199 (option 2) or toll-free at 877.270.6392 (option 2).

Protect yourself

A whole world of protection in your little hands

Amp up Your Privacy Settings
  • Don’t use easy information, such as your birthday or your spouse's name, for your online password, Visa Debit Card PIN or your PIN for our automated telephone banking.
  • Never give out personal information online or over the phone unless you have initiated the contact. If someone calls you and asks for your Social Security number or PIN, it is 100% never us. We’ll never ask you for that kind of info.
  • Don't include information such as your driver's license or Social Security number on your pre-printed checks.
  • Store new and cancelled checks in a secure (preferably locked) place and shred unnecessary financial documents.
  • Consider signing up for a check safekeeping service, which allows your financial institution to keep a copy or digital image of all checks for seven years instead of sending them back with the account statement.
  • Avoid writing your account number on envelopes or other items that may be thrown away later. Some shady characters go through the trash looking for this kind of info.
Protect Your Cards
  • Select a unique Personal Identification Number (PIN) that isn’t easily identifiable (e.g., birth date, phone number). If you have multiple cards, have multiple PINs.
  • Memorize all PINs, such as your ATM or debit card PIN and online passwords. Don’t keep them with you in your wallet or an obvious place like your home office desk.
  • Keep a list of your card account and customer services numbers in a safe place in case your cards are lost or stolen.
  • When you’re online shopping, don't provide your personal or financial information until you’ve checked for indicators that the site is secure. Example: a lock icon on the browser's status bar or a website URL that begins "https:" (the "s" stands for "secure").
  • Monitor your card transaction activity on your bank statements and check in online as often as you can.
  • As soon as you get your card, sign the back.
  • Report suspicious card activity, or lost/stolen Andigo cards at 847.576.5199 or toll-free at 877.270.6392.
Check Your Mail
  • If you stop receiving bills, statements or other monthly mailings, or if a bill is not received when expected, it may be an indication that your mail is being intercepted, and you should call the company just to be sure.
  • Swing by your mailbox to pick up your mail every day, and use a locking mailbox if possible.
  • Send outgoing financial mail from a secured mailbox or a post office; avoid leaving checks or personal mailings in your home mailbox. Never send cash through the mail.
  • Consider signing up for a check safekeeping service, which allows your financial institution to keep a copy or digital image of all checks for seven years instead of sending them back with the account statement.
  • Shred all unwanted financial mail - even those preapproved offers for credit cards, convenience checks or loans.

Fraud & phishing

Fraud and Phishing

Do you know what a phising scam is? You should.

Report Account Fraud Call us immediately (847.576.5199 or toll-free at 877.270.6392) if you spot something irregular on your account or suspect fraud. We promise you a Total Protection Guarantee if any unauthorized transactions occur on your Andigo accounts due to usage of our online or automated phone services, or fraudulent ATM, Visa debit card or Visa credit card signature transactions. That means Andigo guarantees that your liability will be zero dollars ($0.00). The sooner you report it, the sooner we can help.
Report Suspicious Emails Get an email claiming to be from Andigo but it looks like it’s from anyone but? Forward it to abuse@andigo.org and we’ll check it out.
Avoid Phishing Scams Phishing is a popular scam these days. Criminals lure in victims through spam emails, text messages or pop-up messages requesting personal and/or financial information. These can be very well done, looking just like websites you visit every day. Learn to protect yourself by visiting OnGuard Online.
Protect Sensitive Data On Your Computer

Your computer probably contains a significant amount of sensitive information about you. If it falls into the hands of the wrong person, you could be in trouble. Here’s how to protect yourself:

  1. Update your operating system (Windows, OSX, etc.), your browser (Chrome, Firefox, IE, etc.), and your online software (Microsoft Office or other web applications) frequently. Sometimes this is automatic, but if not, you need to check manually for updates. Up-to-date software means up-to-date security, which will dramatically reduce the potential that your computer can be accessed by hackers. They usually take advantage of known software weaknesses, so if you keep up-to-date with your patches, you'll be a much tougher target.
  2. Use and update your antivirus software regularly. Computer viruses can delete files or send out files to unauthorized users. Your antivirus software should always be active when your computer is turned on, automatically screening your files often.
  3. Back up your data weekly. Copy your personal data to an external hard drive and/or a cloud storage site such as iCloud, Google Drive, or Dropbox.
  4. Don't download files from strangers or click on hyperlinks from people you don't know. Even if you know the person sending you an email, never open an attached file until you have scanned it first using your antivirus software -- most email programs like GMail will do so automatically, but if something looks unusual, don’t click it.
  5. Use a firewall. The firewall allows you to limit uninvited access to your computer. Without a firewall, hackers can take over your computer and access sensitive information.
  6. Use a secure browser. This will guard the safety of your online transactions. When you're submitting any sensitive information, look for the "lock" icon on the status bar and/or an https:// at the beginning of the URL. Both are a symbol that your information is secure during transmission.
  7. Password protect all sensitive information on your computer using a "strong" password comprised of a combination of letters (upper and lowercase), numbers, and special characters such (#$&!).
  8. Avoid using an automatic log-in feature that saves your username and password; and always log off when you're finished. You certainly do not want a burglar to make off with a computer with full access to your online banking or brokerage accounts!
  9. Delete any personal information stored on your computer before you dispose of it using a utility program that overwrites the entire hard drive and makes the files unrecoverable. Just deleting them or “sending to trash” isn’t enough. They can be recovered.
  10. Read the privacy policy on a site to understand what they do with any information they capture about you . They should answer questions about the access to and accuracy, security and control of personal information the site collects, as well as how sensitive information will be used, and whether it will be provided to third parties.