Online Banking is a very
convenient way to access your account information, view statements and perform
basic transactions within your accounts. It is important to follow some basic
practices to insure that your Online banking experience remains safe and secure.
Clicking on the following link provides a brochure with some great information
on how to keep your online activity safe and give you peace of mind.
We want to alert you to suspicious telephone calls and e-mails that are
taking place in many parts of the
country, so that you are able to recognize and help us safeguard your
personal banking information.
Generally these fraudulent requests urge you to provide your ATM or Debit
card number along with the Personal
Identification Number (PIN) that you would usually use at an ATM. These
requests falsely state that you will
be "locked out" of or "suspended" from your account with us or a merchant
with whom you do business if you do
not act quickly.
Individuals that respond to these telephone calls and e-mails generally find
that unauthorized ATM
withdrawals are made from their accounts shortly after providing this
What We Are Asking You To Do:
Never give out your personal financial information in response to an
unsolicited phone call, fax, or email,
no matter how official it may seem.
Do not respond to requests that may warn of dire consequences unless you
validate your information
immediately. Contact your bank to confirm the e-mail's validity using a
telephone number you know to be
Check your bank account and credit card statements regularly and look for
unauthorized transactions, even
small ones. Some thieves hope small transactions will go unnoticed. Please
report discrepancies immediately.
Your Role in Security:
You have an important role in providing for your online security. Below are
some industry standard steps on
enhancing your online security that you should take:
Check to see that you use a current version of a browser with 128 bit
encryption. Encryption helps to protect
information by scrambling it so that it cannot be read by anyone else.
Upgrade your software to the most
You should also disable any auto-complete features that your browser may be
set to. This will prevent the
browser software from automatically completing personal information after
one or two keystrokes.
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Other Steps You Should Take:
Do not reveal your account number, social security number, ATM or DEBIT card
number, PIN, or online banking
customer I.D./Password to anyone; especially to unsolicited e-mails or phone
calls. Your password will not be
secure if you share it with others. Change it immediately if you think it
has been obtained by someone else.
Citizens State Bank employees will not e-mail you asking for personal
information. If someone from the bank
calls, use Caller I.D. to verify that the call is from the bank or ask to
call them back at Citizens State
Bank (763) 658-4417.
Use strong passwords. It is best to memorize your passwords and not write
them down. Pick a password that
would be difficult for someone to guess, avoiding names, common words, and
numbers such as your address. A
good way to pick a strong password that is easy to remember is to pick a
favorite song or verse and use the
first letter of each of the first few words in the song or verse. For
example, using “My heroes have always
been cowboys” would be a password of Mhhabc. Using this method of choosing a
password makes it easier to
remember, yet more difficult for someone to guess – note that a combination
of upper case and lower case
letters are used. Including numbers in the password would also enhance the
strength of your password.
Remember that longer passwords are more secure than shorter passwords.
Do not leave your computer unattended if you are in the middle of an online
banking session. Always sign off
and close the browser before visiting other sites on the Internet or leaving
Clear your browser cache in order to eliminate copies of web pages that have
been stored on your hard drive.
How you clear your cache will depend on the browser and version you have.
This function is generally found in
the browser's 'Tools' menu.
Use up to date anti-virus software on the computer where you access your
online banking. Two popular
antivirus software vendors are Symantec and McAfee. McAfee offers a free
virus scan that you can perform
Install and use a personal firewall to prevent unauthorized access to the
computer where you access online
banking. The firewall in Windows XP, or from a trusted third party such as
Symantec or McAfee should be used.
Use a free anti-spyware program such as Ad-Aware, SpyBot Search & Destroy or
SpyWare Blaster. Anti-spyware
helps detect and remove software on your computer that may log and send your
personal information (such as
passwords and account information) to a third party.
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Update your computer with the latest security patches from your software
vendor to keep your computer secure.
Be suspicious of e-mails, phone calls, or letters requesting personal
information. Do not disclose personal
information such as your social security number, bank account numbers,
credit or debit card numbers,
passwords, or other highly sensitive information. Citizens State Bank
employees will not call you and ask for
this information. If someone from the bank calls, ask to call them back at
the bank at (763) 658-4417.
Use caution when opening e-mails. Emails can contain viruses. Be especially
wary of e-mails describing
certain steps for you to perform on your computer to remove a virus – most
of these are hoaxes that actually
end up having you delete critical files on your computer.
Look out for suspicious websites. Leave websites that appear suspicious or
seem to take control of your
computer by popping up multiple windows or starting your e-mail function
without interaction from you. If
necessary, turn your computer off or disconnect your modem connection if you
are unable to break out of the
site and are concerned about the security of a site.
Destroy documents, preferably with a cross-cut shredder, that have personal
identification information before
disposing them. Items with your name, account number, or other information
could be pulled from the garbage
and used to perpetrate identity theft against you.
Should you receive a phone call that you believe is from someone trying to
perpetrate a fraud, hang up and
wait ten seconds, then pick up the phone press *57 (or dial 1157 on a rotary
phone). The last number that
called you will be traced (it won't work if Call Waiting is triggered in the
meantime). After you initiate
Call Trace, a recording will let you know whether the trace is successful
and provide an 800 number you can
call to take legal action. Write down the time and date of the call to match
up with phone records. The
traced number can then be given to a law enforcement agency and the
telephone company’s security department.
You may need to sign up with the telephone company to make Call Trace
available on your line. The phone
company may charge a fee for this service.
Check your bank statement promptly each month. Report quickly to the bank if
you believe that someone is
trying to commit fraud involving your account. Save any e-mails you receive
purporting to be from the bank.
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