Consumer Education

Keeping your personal information safe:

There are several things you can do to keep your personal information safe and reduce your chances of becoming a victim of identity theft.  The following is a list of suggestions:

  • Never give your account information to anyone unless YOU initiated the contact.
  • Protect your online passwords by not sharing them with others and do not write them down.  Don't use the same password for everything.
  • Review your bank account statements as soon as they are available or as soon as you receive them.
  • Keep your Debit Card or ATM Card and PIN protected.  Do not write down your PIN on your card or keep the number with the card.
  • Be sure to store your check blanks in a safe place and keep track of them.
  • Make sure you do not leave your bank statements out in an area where they are easy visible to others.
  • Keep your home computer and other electronic devices safe by installing software to prevent viruses and spyware, and be sure the software is up-to-date. 

The variety and volume of internet crime has increased over the past few years.  Cyber criminals have become more sophisticated and organized in their attempts to target financial institutions and their customers.  Ensuring the security of your online transactions is a crucial step in preventing account takeovers and fraudulent transactions.  First, it's important that you know that:

WE WILL NEVER EMAIL, CALL OR OTHERWISE ASK YOU FOR YOUR USER NAME, PASSWORD OR OTHER ELECTRONIC BANKING CREDENTIALS.

You Can Protect Yourself By:

  • Choosing user names and passwords that are complex and include a variety of upper and lowercase letters, numbers and special characters. 
  • Ensuring you change your password periodically.
  • Do not share your login credentials with others.
  • Staying informed on current scams and phishing attempts, by visiting consumer protection sites such as the Federal Trade Commission (See "Other Helpful Resources" below).
  • Enabling a firewall on your computer or network.
  • Be sure to completely log off a system once your transactions are completed.
  • Keeping up-to-date anti-virus and spyware software on your electronic devices.
  • Monitoring your bank accounts often.

Steps the Bank Takes to Protect Customer Information:

  • Multi-factor authentication (System requires a unique user ID and password, and security questions).
  • Encryption.
  • Your session will time out after a set time of inactivity.
  • Lock out after 3 failed login attempts.
  • Customer verification during account opening.
  • Policies and procedures in place to safeguard our customers information.

Federal Regulations to Protect Consumers:

Federal Regulation E provides consumers with some protection for electronic fund transfers, but you must act in a timely manner to benefit from this protection.  For details see the Electronic Funds Transfer disclosure you received at account opening, or request a copy of the disclosure from the bank. 

Tips for Commercial Account Customers:

  • If passwords must be written down, store them in a secure place.  Do not leave them out or where they can be easily accessed by others.
  • Select complex passwords that are not names or words that can be found in the dictionary with lower and upper case letters, numbers and special characters.
  • Conduct employee background checks when hiring new employees.
  • Have procedures in place for when an employee leaves or is terminated to ensure access is terminated and any necessary password changes are made. 
  • Ensure duties are segregated so that one employee doesn't have access to everything - dual control.
  • Monitor employee access to software systems and internet usage.
  • Install anti-virus/spyware software and be sure it is kept current.
  • Install a firewall.

Other Helpful Resources:

The following web sites offer a wealth of information on using the internet safely for children, identity theft prevention, how to keep your personal information secure and what to do if you suspect you are a victim of identity theft along with many other valuable topics.

Federal Trade Commission:  www.consumer.ftc.gov

OnGuard Online:  http://www.onguardonline.gov

National Cyber Security Alliance:  http://www.staysafeonline.org