Consumer Alerts

Consumer Alerts

How to Protect Your Personal Information

News reports of data breaches at many retailers have people wondering how to prevent such incidents from happening to them.  Data breaches and thefts are occurring with an increasing frequency and affect all of us in one way or another.  Listed below are a few recommendations you as a customer can take to help protect your personal information.

    • Monitor your bank accounts weekly at minimum.
    • Thoroughly monitor credit card activity.  Most credit cards offer online access, which helps make it easier to monitor card use.
    • Consider using one card for online purchases only.  This will make it easier for you to spot fraudulent transaction activity on that card.
    • Keep card receipts.  Regularly balance and reconcile your card accounts the same way you would balance and reconcile your checking account.
    • Report suspicious activity immediately.

Mobile Device Safety

* Due to the rise in mobile device use along with the amount of sensitive data stored, it is more important than ever that a consumer treat their mobile device with the same precautions as a computer. These devices have the capability to store sensitive data, including account information, website logins and passwords, and location information. Since mobile cyber attacks increase every year, it is essential that consumers stay up to date and protected against the growing risk of viruses, malicious apps, and device theft. Listed below are 10 steps that are recommended to help reduce your risk to exposure of mobile security threats.

10 Steps to Help Reduce Mobile Security Threats

      1. User Authentication – Set PINS and Passwords for Your Mobile Device
      2. Do Not Modify Built-In Security Features
      3. Backup Information Stored to Your Device
      4. Research Apps Prior to Download and Only Install Apps from Trusted Sources
      5. Be Aware of App Permissions Before Accepting
      6. Install Security Apps that Enable Remote Location and Wiping
      7. Keep Your Security Software Up to Date – Install System Updates/Releases When Available
      8. Be Cautious of Open Wi-Fi Networks
      9. Delete Stored Data Before Donating, Selling, or Recycling Old Devices
      10. Report Stolen Devices Immediately

Measures We Take to Protect You

Privacy Policies – We the bank instill privacy policies to protect your personal and financial information. These policies are enforced and training is provided regularly to employees to protect you the customer.

– Internal Confidentiality – Nonpublic information about you the customer is limited only to employees who need to know the information. This is used only to provide you the customer with our products and services.

– Information Security – Keeping your financial information secure is one of the banks most important responsibility. The bank maintains physical, electronic, and procedural safeguards to protect our customer information.

FDIC Consumer Education

January 26, 2006 – A new FDIC on-line tool was released to help educate consumers how to better protect their computers and themselves from identity theft, and steps to take if they have been victimized. The presentation: Don’t Be an On-Line Victim: How to Guard Against Internet Thieves and Electronic Scams is on the FDIC’s website.