Help Protect Yourself

Your personal and financial security is just as important to us as it is to you.


Computer Safety:

  1. Install Trusteer Rapport and other Security Software - One of the best defensive tools we can suggest is Trusteer Rapport. Trusteer Rapport does not replace your antivirus and is not an antivirus solution. It works differently and prevents attacks that your antivirus solution cannot detect or remove. 
  2. Install an Efficient Virus Scanning Tool - An important tool is an efficient virus scanning software that is continuously updated online and thus able to detect new viruses. 
  3. Turn on Your Personal Firewall - A personal firewall is a program that monitors all incoming and outgoingtraffic from your PC and can help protect you against malicious software that may be hiding in suspicious emails or suspicious attachments.
  4. Protect Sensitive Data When Sending it Over the Internet - As a general rule, never send sensitive information over open networks unless it is encrypted.
  5. Be Sure You Know WHO You Are Dealing With - You should divulge information only if you are certain who is receiving it and what will happen to it. Be suspicious of any departure from the usual routine, such as a request to enter your PIN or password at a time you don't expect.
  6. Be Careful when accessing sensitive information - Never access your bank or other financial services information at Internet cafés or other public  Wi- Fi Zones.
  7. Be Careful with Sensitive Data  - Protect your passwords and PIN's from unauthorized use and never disclose them to anyone. Keep your Social Security card in a safe place instead of carrying it in your wallet.
  8. Choose a Secure Password - One way to help safeguard your identity and personal information is through advanced password protection. Here are some suggestions for safer passwords: A good password is at least eight (8) characters long and contains a combination of upper and lower case letters, numbers and special symbols
  9. Change your passwords regularly - DON'T - use your birth date or your Social Security number, account number or names of family members. Avoid - Proper names, familiar terms (i.e. terms which can be found in a dictionary) and the repetition of single characters (e.g. AAAAAA, 111111 or 123456).
  10. Only Use Programs From A Trustworthy Source - Don't download programs from the Internet onto your hard drive unless you can be sure the source is reliable.
  11. Use Up-To-Date Program and Operating System Versions - Use only an up-to-date version of your preferred internet browser and PC operating system. Only in the most recent versions will all known security holes have been filled. Also, you should install these bug fixes or patches as soon as possible to protect your PC from known vulnerabilities.
  12. If It Sounds Too Good To Be True, It Probably Is - Be cautious of unsolicited emails from overseas - it is much harder to prove legitimacy of the organizations behind the emails.
  13. Always log off online banking or other online services you use when finished . Do not just close or shut-down your browser.

Our Top Rules to protect your business assets

  1. Train employees on security best practices and how to report suspicious activity.
  2. Consider conducting periodic mock-phishing exercises where employees receive emails or attachments that simulate malicious behavior. Metrics can be captured on how many potential incidents would have happened had the exercise been a real attack. Use these findings as a way to discuss the growing security threats with employees.
  3. Offer security training to employees to help understand threats and measures they can take to protect the organization.
  4. Provide regular reminders to employees on phishing and spam campaigns and that they shouldn't open suspicious attachments or links from both work and personal emails.
  5. T rain employees in charge of corporate banking to never provide banking credentials to anyone . The banks will never ask for this information.
  6. Conduct an annual internal risk assessment to assess the adequacy of your internal controls as they apply to security risks.

Mobile Device Safety:

  1. Keep security software current . Having the latest mobile security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats.  
  2. Mobile devices can contain tremendous amounts of personal information . Lost or stolen devices can be used to gather information about you and, potentially, others.  
  3. Secure your mobile device.  Use an auto-lock and a strong passcode to lock your phone.  
  4. Think before you app.  Review the privacy policy and understand what data on your device an app can access before you download it (such as location, social networks etc.).  
  5. Be selective . Only give your mobile number out to people you know and trust and never give anyone else's number out without their permission.  
  6. Be cautious while online . If you're online through an unsecured or unprotected network, be cautious about the sites you visit and the information you release. Limit the type of business you conduct at Wi-Fi hotspots and adjust the security settings on your device to limit who can access your phone.
  7. Look for web addresses with "https://" , which means the site takes extra measures to help secure your information. "Http://" is not secure.  
  8. When in doubt, don't respond . Fraudulent texting, calling and voice mails are on the rise. Just like email, requests for personal information or immediate action are almost always a scam.
  9. Always log off online banking or other online services you use when finished . Do not just close or shut-down your browser.

You may have additional protection provided to you under federal Regulation E. In many cases you may be able to dispute unauthorized debits to your account. However, it is important to note that not all transactions initiated through online banking are subject to Regulation E. For more information on these protections or to determine if these protections apply to a specific transaction, please review the Electronic Fund Transfer Initial Disclosure received at account opening or feel free to contact our Customer Information center at 800.222.2299. Please note: Business accounts are not afforded protections under Regulation E.