Online Banking Security Tips
Protecting the security of your computer can help you avoid potential online risks such as viruses, spyware and worms from infecting your computer. Here are some tips to remember next time you are using your computer:
Make sure you have virus protection on your computer and make sure it is up to date.
Download the latest updates from your operating system manufacturer. These updates sometimes have security patches in them that can help prevent potential threats to your computer.
Make sure you have a firewall on your computer and it is activated.
Regularly scan your computer for viruses (or set your system to automatically scan for threats such as malware to help avoid performance issues and data loss). If your computer recognizes a threat on your computer, remove the threat immediately.
When you are not using your computer, you might consider turning it off or disconnecting from the Internet.
- Always sign out of secure websites rather than close them with the "x" at the top right hand side of the browser screen. If you don't log out, you open the door to a potential threat of your information on that particular webpage.
- When visiting Citizens Bank's website, key in our address at www.citizensEbank.com rather than clicking on a link to our site from an e-mail. This will ensure you are going to our website rather than a "phished" site.
- Use one computer for your online banking needs. This will limit the number of computers that you have entered your secure information on.
- Verify that a site is secure before you type sensitive information into the website. You can identify a secure site (a site that is protected with a Secure Sockets Layer (SSL) certificate) by looking for the "padlock" symbol on your browser and in the address bar look for "https://" rather than "http://" without the "s". The "s" represents the the site is secure.
- Use browsers that have added features such as phishing protection, web filters and other security functions.
- On occasion, online banking will be unavailable for use. If you are met with an error message claiming online banking is unavailable while entering in your credentials and you are redirected to another "warning" website or asked to click on a link to enter in your credentials, be cautious and contact Citizens Bank. Your computer could be infected with malware and fraudsters could be trying to obtain your personal information.
- Lock your phone or tablet when not in use. This password protects your device so that nobody else can use it or view information. Also be sure to store your device in a safe location.
- Close out of Mobile Banking when you are finished with your session.
- Do not leave your phone unattended and leave your Password or account information on your phone.
- If you should lose your phone, contact your mobile service provider immediately and have your phone disabled or download anti-theft apps that allow you to remotely wipe, lock and locate your phone.
- Citizens Bank will never ask for your login ID or Password. If you get such a request, be sure to check your phone for malware or other viruses.
- Keep your device updated, contact your mobile service provider.
- Do not hack your device (also known as Jailbreaking) as this can leave it open to infection from a virus or Trojan. We recommend you also install security software, if available.
- Stick with a secure network by ensuring wherever possible, that all internet connections are password protected.
- Make sure you actually need an app. Every time you download an app you open yourself to potential vulnerabilities. Only download those apps you deem necessary with the understanding of the risks involved.
- Be careful about which app store you use. If you decide to download an app, be aware of which app store you use. App stores have different standards for which apps they will offer to the public. Some app stores require apps to be put through rigorous testing first, while other app stores accept all apps.
- Don’t use public Wi-Fi when performing financial transactions. Most mobile devices can use both wireless Internet and a mobile provider’s 3G or 4G network. Use only 3G or 4G networks for any secure transactions such as banking.
- Be alert to changes in your mobile device’s performance. If you download an app, and your device starts performing differently (for example- responding slowly to commands or draining its battery faster) that could be a sign that malicious code is present on the device.
- Update Apps. Update all apps when notified.
- Disable Bluetooth settings on your mobile device whenever it is not in use. If left on, someone could potentially pair to your device and obtain information or take over your device.
- Follow your organization’s policies. If your mobile device is provided as part of your job, be sure to follow the rules and procedures established by your organization.
- Do not respond to e-mails requesting information such as social security numbers, account numbers or any other sensitive information. Your financial institution should already have this information.
- Do not open e-mails or attachments from an unknown source. E-mails and attachments can have viruses and malicious software embedded in them to steal sensitive information from your computer.
- Do not reply to e-mails from unknown sources. Even if you want to tell them to stop sending you e-mails, this tells the fraudster that they have a legitimate e-mail address and they can target you further.
- Do not reply to e-mails that warn you if you do not respond your account will be deactivated. Instead call the company from a trusted phone number (use the phone book or their website). Never use a phone number provided in the suspicious e-mail.
Citizens Bank has put many security measures in place to help protect your sensitive information while on our Internet Banking page. Below is a list of the various security processes and software to help keep your information safe and secure.
For consumer account holders, security measures have been put in place regarding electronic fund transfers and your accounts. For more information please follow the attached link to our Reg E policy located on page 6 of our Online Access Agreement.
Citizens Bank will not ask for personal information such as Social Security numbers, Credit Card numbers, or Personal Identification Numbers (PIN) on this website or through e-mail unless required by a government agency.
- For more information on Citizens Bank's Internet security strategies please follow the attached link to our Internet Security Information located on page 2 of our Online Access Agreement.
If you feel that your sensitive information has been compromised on-line, Citizens Bank customers are advised to call us immediately at (541) 752-5161 (Corvallis local calling area) or (800) 577-1778. Notify your local law enforcement agency to report the fraud or identity theft. Notify the major credit reporting agencies to request a "fraud alert" on your file. This will require creditors to contact you before any accounts are opened in your name. Below is a list of contacts for the major credit reporting agencies:
- TransUnion: (800) 860-7289
*Republished with permission from Microsoft
**Republished with permission from the American Bankers Association (ABA)