Online Banking Safety Tips
Scott State Bank invests in technology and processes to ensure a secure electronic environment for all of your financial transactions. However, online security and protection of your identity and personal information is a team effort. That’s why we recommend you take steps to protect yourself and your computer from attempts to obtain your personal information electronically:
- Keep your computers and browsers current with the latest operating system updates and patches.
- A great way to keep your passwords secure is by using complex combinations that do not contain names or numbers that would normally be associated with you. Use a unique password for each service or website.
Remember – never share your password with anyone or write it down!
- Make sure that your wireless internet connection and firewalls are up to date.
- Use only a secure wireless internet connection. If a public Wi-Fi hotspot doesn’t require a password, anyone can intercept your login credentials.
- Utilize up to date anti-virus and anti-spyware/malware products.
- Think twice before clicking on links or opening attachments of any suspicious emails or texts you may receive.
- Use Online Banking to check your account balance and transactions regularly. Notify us immediately of unexpected account activity.
Our Network Security
We protect our secure computer servers with numerous firewalls along with specialized hardware and software that control communication between our computer network and that of our core processor. Firewalls are continuously monitored with sophisticated Intrusion Prevention and Detection software.
We Protect Your Personal Information
Tips for safeguarding your information:
- Never give your Social Security number or other personal information about yourself to someone who calls you. Always shred receipts, bank statements and unused credit card offers before throwing them away. Review statements promptly for any unauthorized charges. Notify the bank if you are not receiving your monthly statements.
- Order copies of your credit report once a year to ensure accuracy. You may call 1-877-322-8228 for a free credit report from any or all three credit reporting agencies.
- Be cautious when opening email you are not expecting, especially if it came from unknown sources. But don’t believe a link to be safe because you recognize the sender’s name. Certain malware types will harvest your address book and spoof the sender name to one you recognize. Or your friend’s system may be compromised and sending out malware without their knowledge. Use virus detection software.
- Protect your PINs (don’t carry them in your wallet!)
Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately at the numbers shown below.
- TransUnion: (800) 680-7289
- Experian: (888) 397-3742
- Equifax: (800) 525-6285
If you become a victim, contact the fraud departments of the three major credit reporting agencies at the numbers shown above and the creditors of any accounts that have been misused. Contact the local police to file a report. Contact your bank to cancel existing accounts held in your name and reopen new accounts with new passwords. Change passwords on all existing online accounts.
Credit Report Pop-ups
Pop-ups urging you to click for your free credit report are not sponsored by Scott State Bank. These pop ups are internet spam. Scott State Bank recommends closing such pop-ups, and running a virus and malware scan of your computer. Scott State Bank has not partnered with these sites and does not endorse the products being offered.
The Fair and Accurate Credit Transactions Act (FACT Act) allows all consumers the right to obtain one free credit report from each of the three credit reporting agencies once a year. If you would like to obtain your free credit report please visit www.AnnualCreditReport.com.
Tips to protect yourself:
- Do not click on web links or pop-ups.
- Regularly scan your computer for viruses and malware.
- Ensure your antivirus program contains malware protection.
- Ensure you have the latest security patches for your computer operating system.
- Do not open email messages or attachments from unknown senders.
- Do not click on email web links from unknown senders.
- Never reply to unsolicited emails or pop-up websites asking for sensitive personal information.
Tips for Smartphone users
- Update operating systems and security software to protect against threats.
- Enable encryption on your smartphone as the best way to safeguard information stored on the device, thwarting unauthorized access.
- Use a Passcode. Enable strong password protections on your device. Include a timeout requiring authentication after a period of inactivity.
- Download anti-virus protection on your smartphone. You are carrying a computer around with you, susceptible to the same threats as your desktop or laptop computer. Employ all the same precaution and security measures as you would any other computer.
- Do not use public Wi-Fi. Do not log into accounts and do not conduct any sensitive transactions, such as shopping or banking, while using public Wi-Fi. Disable the “automatically connect to Wi-Fi” setting on your device.
- Disable unwanted services when not in use. Bluetooth and Near Field Capabilities (NFC) can provide an easy way for an unauthorized user nearby to gain access to your data. Turn these features off when they are not required.
- Carefully dispose of mobile devices. With the constant changes in smartphone market, many users frequently upgrade to new devices. Make sure you wipe the information from your smartphone before disposal. For information on how to do this, check the website of your mobile provider or manufacturer.
If you are contacted by Scott State Bank
SCOTT STATE BANK will never ask for your personal or account information via phone, email or text message. SCOTT STATE BANK will never ask you for your ATM/Debit card PIN for any reason, and we will never contact you via email regarding sensitive financial information. If someone calls identifying themselves as SCOTT STATE BANK staff and requests personal information, hang up. Call us back using a number you already know to learn if the call was legitimate.