What is 1st Bank doing to provide Online Banking security?
Firewalls & Routers
1st Bank has implemented a system of firewalls forming a barrier between 1st Bank's internal systems and the Internet. All incoming customer information and requests are routed to the firewall, which verifies the source and destination of each piece of information. The firewall modifies the information before delivering it to 1st Bank's internal systems. All internal information is protected, keeping the structure of our network secure. We are able to monitor all activity within Online Banking, including logins, logoffs and access violations. This allows for quick identification of any suspicious activity.
Secure Data Storage and Encryption
Confidential information or highly sensitive data is stored securely and protected with stringent access controls. The following are two common ways to secure sensitive data. Both methods are incorporated into our 1st Bank system:
1.) When your information is traveling over the Internet, it is encrypted. Encryption technology disguises information to hide its meaning and enhances confidentiality by restricting information access to only intended users. Encryption-based methods can also be used to verify message authenticity and accuracy. Information is encrypted and decrypted with a cipher and key using special computer hardware or software. Secrecy of the key and complexity of the cipher are crucial for the success of encryption controls. When you initiate an Online Banking session with 1st Bank, our web server and your browser will communicate using the Secured Socket Layer (SSL) protocol and 128-bit encryption keys. (1st Bank customers must use a version 4.0 or higher browser that supports Secured Socket Layer for maximum protection.) This means it would be virtually impossible for even a "super computer" to obtain messages and information coded with this technology.
2.) Firewalls are physical devices, software programs, or both enhancing security by monitoring and limiting access to computer facilities. They create a security barrier between two or more networks to protect 1st Bank's computer system from unauthorized entry. Filtering routers are incorporated into the firewall system to screen data traffic and direct messages to certain locations.
What can I do to increase security?
You can easily provide additional security for your Online Banking transactions. Here are some important suggestions:
1.) Access Online Banking from a version 4.0 or higher browser for maximum security of your transactions.
2.) Keep your Online Banking password secret. Make sure no one is watching you as you enter your password.
3.) Change your Online Banking password frequently.
4.) If you leave your computer unattended while signed-on, your account is at risk. Remember to exit 1st Bank Online Banking before leaving your computer. For your protection, 1st Bank Online Banking has an auto-logoff set for 10 minutes. After the designated auto-logoff time has passed without activity on your Online Banking, you will be signed off.
5.) Take all possible precautions to keep your computer clean and free from viruses that could be used to capture password keystrokes or affect your hard drive.
There are items outside of our control that are your responsibility:
1.) Customer input errors
2.) Customer negligent handling or sharing of Online Banking Account numbers, Passwords / Personal Identification Numbers (PIN) leading to unauthorized access to accounts, and/or unreported theft to Passwords / PIN
3.) Customer's failure to complete the Online Banking session before properly exiting the system and/or leaving the computer unattended
4.) Failure to report known incidents of Password / PIN theft and/or unauthorized Online account access within 2 business days of discovery
How can I detect possible unauthorized transactions?
The best way to stay informed about your account and ensure your records match 1st Bank's is to view and reconcile transactions on a timely basis. Be aware of the activity in your account and contact us immediately to report any discrepancies.
The statement displayed through 1st Bank Online banking is for information purposes only, and is not equivalent at all times to the official statement information on records. The 1st Bank official statement record shall prevail if there is any conflict with information reflected on your 1st Bank Online statement.
For your protection, you need to report any discrepancy as soon as it is discovered.
How do I update my browser?
If you are not using a version 4.0 or higher, please contact your browser vendor for upgrade information and technical assistance.
E-Mail is not secure
Online Banking transactions are encrypted, but e-mail is not. Customers are encouraged not to send sensitive information over an e-mail system. If you have any questions about our 1st Bank Security Statement, please contact us at 789-3864 or 800-274-7086 or send us an e-mail, at firstname.lastname@example.org.
Mobile Banking Security Recommendations
Just like your personal computer, your mobile device needs attention to ensure your information is safe and secure. The following are recommendations to help protect you and your mobile device.
Protect Your Information
- Keep your mobile banking username and password private
- Verify you're on a secure site before you log in. For any website that requires personal information, look for "https" in the Web address, which signifies more security than "http."
- If you receive mobile banking text messages from your financial institution, take the "short code" (a special telephone number used to send and receive text messages) that identifies the bank and add it to your device's contact list. That way, you won't be fooled if you receive a text from an unknown number that purports to be your bank asking for personal information. When added to your contact list, the short code should pop up with an identifying name.
- Many devices have the ability to access local Wi-Fi spots for the Internet, but if you're on a public network, your data may not be secure. Use your mobile provider's network instead. If you're in an area where that's not possible, use a password-protected, closed Wi-Fi network -- perhaps one in your own home. If you're in doubt about how secure your network is, it may be best to skip mobile banking tasks until you can get in a more secure environment.
Protect Your Mobile Devices
- If your mobile device supports a password or PIN to restrict access, you should use one. This prevents someone being able to access your device without first getting past your PIN or pass code.
- Invest in an antivirus application for your mobile device to help protect you when downloading apps or mobile content.
- Keep your mobile device and applications up to date. Generally you will receive notification as updates are available.
- To help prevent unauthorized access in the event your phone is lost or stolen, never set the app, web or client-text service to automatically log into your account.
- Review options available on your device for additional security. Contact your mobile service provider for information about your specific device. They may also have additional recommendations.
If your device is lost or stolen, immediately:
- Contact your service provider to stop service.
- Contact the bank.