WHAT IS PHISHING?
Phishing is the fraudulent practice of sending e-mails purporting to be from reputable companies in order to induce individuals to reveal personal information, such as passwords and credit card numbers.
WHAT IS MALWARE?
Malware is software that is intended to damage or disable computers and computer systems.
WHAT IS A KEYLOGGER?
A keylogger is a computer program that logs each keystroke a user types on a keyboard and saves this date into a file or transfers it via the Internet to a pre‐determined remote host. It can also capture screenshots of the user’s activity, passwords, record online chat conversations or take different actions to find out what the user is doing. This program is often downloaded inadvertently by users clicking on links in fraudulent e‐mails.
WHAT IS A TROJAN HORSE?
A Trojan Horse is a program that can be hidden in music files, games, videos or downloaded from an e‐mail. It installs a malicious program on the user’s computer. Many anti‐virus programs will detect and remove it, but the anti‐virus software must be updated regularly.
IS IT OK TO SEND ACCOUNT INFORMATION VIA E‐MAIL?
No. Regular e‐mail is not secure. Never include your personal financial information such as account numbers or your Social Security number in an e‐mail. You can send us a secure e‐mail through Online Banking.
WHAT IS IDENTITY THEFT?
Identity theft occurs when someone uses another person’s private identifying information, like their name, social security number, or credit card number, without their permission, to commit fraud or other crimes.
HOW CAN I PROTECT MYSELF AGAINST IDENTITY THEFT?
- Check your credit report(s) at least once a year at www.annualcreditreport.com
- Do not carry unnecessary personal information in your purse or wallet.
- Monitor your bank account statements regularly.
- Shred sensitive information.
- Never provide personal information to anyone who contacts you unexpectedly.
- Don’t click on links in emails from unknown senders.
- Use Internet passwords that are hard to guess and change them regularly.
- Set passcodes on your smartphones.
- If doing business online, make sure the site is secure. It should start with “https”.
- Keep your computer and security software updated.
WHAT ARE SOME SIGNS OF IDENTITY THEFT?
- You find inaccurate personal information on your credit report.
- Bill collectors contact you about debts you do not owe.
- You are denied credit for no apparent reason.
WHAT IF I BECOME A VICTIM OF IDENTITY THEFT?
- File a police report.
- Contact you bank or credit provider.
- Place a fraud alert on your credit report by contacting Equifax at 800‐525‐6285, Experian at 888‐397‐3742 and Transunion at 800‐680‐7289.
- Order your credit reports.
HOW CAN I PROTECT MY COMPUTER FROM INTRUSION?
- Keep Your Firewall Turned On: A firewall helps protect your computer from hackers who might try to gain access to crash it, delete information, or even steal passwords or other sensitive information. Software firewalls are widely recommended for single computers. The software is prepackaged on some operating systems or can be purchased for individual computers. For multiple networked computers, hardware routers typically provide firewall protection.
- Install or Update Your Antivirus Software: Antivirus software is designed to prevent malicious software programs from embedding on your computer. If it detects malicious code, like a virus or a worm, it works to disarm or remove it. Viruses can infect computers without users’ knowledge. Most types of antivirus software can be set up to update automatically.
- Install or Update Your Antispyware Technology: Spyware is just what it sounds like—software that is surreptitiously installed on your computer to let others peer into your activities on the computer. Some spyware collects information about you without your consent or produces unwanted pop-up ads on your web browser. Some operating systems offer free spyware protection, and inexpensive software is readily available for download on the Internet or at your local computer store. Be wary of ads on the Internet offering downloadable antispyware—in some cases these products may be fake and may actually contain spyware or other malicious code. It’s like buying groceries—shop where you trust.
- Keep Your Operating System Up to Date: Computer operating systems are periodically updated to stay in tune with technology requirements and to fix security holes. Be sure to install the updates to ensure your computer has the latest protection.
- Be Careful What You Download: Carelessly downloading e-mail attachments can circumvent even the most vigilant anti-virus software. Never open an e-mail attachment from someone you don’t know, and be wary of forwarded attachments from people you do know. They may have unwittingly advanced malicious code.
- Turn Off Your Computer: With the growth of high-speed Internet connections, many opt to leave their computers on and ready for action. The downside is that being “always on” renders computers more susceptible. Beyond firewall protection, which is designed to fend off unwanted attacks, turning the computer off effectively severs an attacker’s connection—be it spyware or a botnet that employs your computer’s resources to reach out to other unwitting users.
HOW CAN I PROTECT MY COMPUTER DATA?
- Access account information from https://peoplesnbmp.com.
- If you get an e-mail that warns you, with little or no notice, that an account of yours will be closed unless you confirm your billing information, do not reply or click on the link in the e-mail message. Instead, contact the company cited in the message using a telephone number you know to be genuine.
- Update your virus protection software on your computer regularly. Computer viruses can have damaging effects, including introducing program code that causes your computer to send out files or other stored information. Look for security repairs and patches you can download from your operating system’s Web site.
- Clear your temporary Internet files or cache after you log out of you’re the Peoples National Bank of Mt Pleasant online banking account especially if you accessed it from a public computer (where others will use the computer after you).
- Don’t download files from strangers or click on hyperlinks from people you don’t know. Opening a file could expose your system to a computer virus or a program that could hijack your modem.
- Use a firewall, especially if you have a high-speed or “always on” connection to the Internet. The firewall allows you to limit uninvited access to your computer. Without a firewall, hackers can take over your computer and access sensitive information.
- Try not to store financial information on your laptop unless absolutely necessary. If you do, use a “strong” password – that is, a combination of letters (upper and lower case), numbers and symbols.
- Avoid using an automatic log-in feature that saves your user name and password; and always log off when you’re finished. If your computer gets stolen, the thief will have a harder time accessing sensitive information.
- Delete any personal information stored on your computer before you dispose of it. Use a “wipe” utility program, which overwrites the entire hard drive and makes the files unrecoverable.
- Read web site privacy policies. They should answer questions about the access to and accuracy, security of and control of personal information the site collects, as well as how sensitive information will be used, and whether it will be provided to third parties.
Additional information is available by visiting the sites below.:
The Federal Trade Commission (https://ftc.gov) Visit FTC and click on consumer protection or call 1-877-FTC-HELP (1-877-382-4357). Consumers can file identity theft by calling 1-877-ID THEFT (1-877-438-4338).
- The US Computer Emergency Readiness Team (CERT) https://www.us-cert.gov
- The FBI Cyber-crimes page
HOW SECURE IS ONLINE BANKING?
Security is very important to the Online Banking system. At the time you request the service, you will select a unique “User ID” and then choose a “Password” that will be used to gain access to the system. Prior to activation, we will verify your identity and authorization to information associated with the account(s) that you requested tied to the service. Before gaining access to any account information, each individual is authenticated by their User ID and Password, authentication phrase, and a series of questions and answers selected by you.
To help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for 15 minutes. This is to protect you in case you accidentally leave your computer unattended after you logged on.
Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a Password that is hard to guess. We suggest that you do not choose passwords that are easily identifiable with you such as a child’s name or a pet’s name. Keep your Password safe. Memorize your Password and never tell it to anyone. You may consider changing your Password occasionally, such as every 90 days. Passwords will expire every 180 days. You may change your password at any time under the menu item “Options.”
The Bank will never contact you and ask for your electronic banking password.
User ID, Password and Security Device Safeguards
Some suggestions for reasonable care of your information includes, but is not limited to: not storing or writing any of this information on your computer, (do not write your Password down in your purse, wallet or in a computer file), and not allowing other individuals to conduct transactions using your User ID, Password or Security Device. If this happens, you should request a new one to prevent unauthorized use. We will not be liable for any losses resulting from you permitting other persons to use your Username, Password or Security Device to access the system.
HOW DO I SIGN UP FOR ONLINE BANKING?
You can sign up for Online Banking by visiting the Home Page of our website. Under “Manage your finances from anywhere!”, click on the blue button that reads, CLICK TO GET STARTED and follow the registration process. Once the registration is complete, you will be able to view your accounts, transfer funds, etc.
HOW DO I SIGN UP FOR BILL PAY?
You can sign up for Bill Pay once you are a registered Online Banking user. Login to your Online Banking account and click on Bill Pay in the menu bar at the top. You are now ready to start adding payees.
WHAT IS AN E‐STATEMENT?
An E‐Statement is an electronic copy of your statement. A notification is sent to your e‐mail address the day your statement is available to view on Online Banking. E‐Statements are safer, faster and a greener alternative to paper statements.
HOW DO I SIGN UP FOR E‐STATEMENTS?
You can sign up for E‐Statements once you are logged into your Online Banking account. Click on the Profile link on the top, right side of the screen. Next, click on the Statement E‐Delivery Enrollment link.
After reviewing the Electronic Delivery Agreement, click Accept. You will be prompted to choose the accounts for e‐delivery. After you have selected the accounts, click Save. Please note that you will no longer receive paper statements for those accounts.
HOW DO I OBTAIN A DEBIT CARD?
You may request a debit card during the account application process. Additionally, you may request a debit card at any time by completing and returning the Debit Card Application.
HOW LONG WILL IT TAKE TO RECEIVE MY DEBIT CARD?
Once your account has been opened and your initial deposit is approved, your debit card will be ordered. It typically takes 7-10 business days after your debit card application is processed to receive your card.
HOW DO I REPORT A LOST OR STOLEN DEBIT CARD?
If your debit card is lost or stolen, contact the Bank immediately at (740) 769-2377. Your card will be cancelled and a new one will be ordered for you. If the event happens after the Bank’s normal business hours, please contact Shazam immediately at 1-800-383-8000 and notify the Bank on the next business day.
Refer to the Debit Card Security Tips page for more information. https://www.peoplesnbmp.com/card-security/