Internet Banking can provide
safe and secure delivery of information to you any time of the
day. You can improve the security of your accounts by
reviewing your account transaction on a frequent basis. Yet,
with all the security that we have invested, we cannot control
the security of your computer. You have been granted secure
access to our site but, if you have malicious software (malware)
or spyware installed on your computer, you are at risk. Here
are some steps to take improve the security and safety of your
internet banking accounts:
Keep your computer
up-to-date with the latest security patches. One of the
ways hackers and malware authors wreak havoc is through flaws
in computer applications and code. That is why Microsoft and
others release dozens of updates each year to shore up
holes in their software.
Install a good anti-virus
program on your computer. Sometimes, you may receive an
email or download a program that is damaging to your computer.
A good anti-virus will update itself to the latest threats and
halt these programs before they can hurt your computer.
Install a good anti-spyware
program. These days, hackers are not just interested in
vandalizing, they want to make money from information they
might obtain from your computer. Social Security Numbers and
other personally identifiable information have street value
and can be useful in identity theft schemes. Programs exist
that can steal key strokes, revealing passwords or sites that
you visit. A good anti-spyware program can identify this
activity and notify you so you can block any information from
Keep up to date on the latest
internet and security threats
What is Phishing?
The FDIC, in their March 13,
2004 document, "Guidance on Safeguarding Customers
Against E-Mail and Internet-Related Fraudulent Schemes"
describes Phishing as follows:
"Phishing involves the use
of seemingly legitimate e-mail messages and internet Web sites
to deceive consumers into disclosing sensitive information,
such as bank account information, Social Security numbers,
credit card numbers, passwords, and personal identification
numbers (PINS). The perpetrator of the fraudulent e-mail
message may use various means to convince the recipient that
the message is legitimate and from a trusted source with which
the recipient has an established relationship, such as a bank.
Techniques such as a false "from" address or the use
of seemingly legitimate bank logos, Web links and graphics may
be used to mislead e-mail recipients."
In most cases, as in the scheme
at hand, a link in the e-mail directs the recipient to a
fraudulent site that requests that the recipient
"validate" or "update" their
financial or personal information. Often, the fraudulent
website looks authentic. However, consumers may notice that
the URL is slightly different.
Please read the current
discussions before the House of Representatives Subcommittee
on enhancing data security at www.fdic.gov/news/news/speeches/others/spmay1805.html
NEVER GIVE YOUR ACCOUNT NUMBER
OR PIN NUMBER IN RESPONSE TO AN EMAIL.