Protecting yourself online
Protecting your PAC (personal access code)
Just as you play a vital role in ensuring the security of your home and your possessions, you too share in the responsibility for ensuring that your personal information is adequately protected.
In order for us to ensure that only you are accessing your accounts, we need a unique way of knowing that it’s you. Just as the key to your home protects unwanted entry, the online banking ‘key’-your Personal Access Code (PAC)-ensures that only you can access your accounts.
It is your responsibility to ensure that your ‘key’ to the online banking section of this website is protected. Please observe the following security practices:
- Select a PAC that is easy for you to remember but difficult for others to guess.
- Do not select a part of your PIN (your ATM ‘key’) or another password.
- Keep your PAC confidential and do not share it with anyone.
- Do not write your PAC down or store it in a file on your computer.
- Never disclose your PAC in a voice or email, and do not disclose it over the phone.
- Ensure no one observes you typing in your PAC.
- Change your PAC on a regular basis. We suggest every 90-120 days.
Protecting your personal computer/online device
We have provided a secure channel for our members to communicate with us. Once the information has reached your computer, it’s up to you to protect it. To protect your information, you should:
- Never leave your computer unattended while using our online banking services.
- Always exit the site using the Logout button and close your browser if you step away from your computer. Your browser may retain information you entered in the login screen and elsewhere until you exit the browser.
- Prevent the browser from caching (storing) the pages that you view by using the Enhanced Security feature located on the login screen. We strongly recommend that you use this feature if you are accessing the online banking section of the website from a shared computer, such as at a friend’s house or through a publicly-accessible computer, such as at a library or airport.
- Secure or erase files stored on your computer by your browser so others cannot read them. Most browsers store information in non-protected (unencrypted) files in the browser’s cache to improve performance. These files remain there until erased. They can be erased using standard computer utilities or by using your browser feature to ‘empty’ the cache.
- Disable automatic password-save features in the browsers and software you use to access the Internet.
- Install and use a quality anti-virus program. As new viruses are created each and every day, be sure to update your anti-virus program often. It is recommended you update anti-virus definitions weekly. Scan all download files, programs, disks and attachments and only accept files and programs from a trusted source.
- Install and use a personal firewall on your computer to ensure others cannot access your computer through the Internet.
- Install new security patches as soon as your operating system and Internet browser manufacturers make them available.
- Install an anti-spyware program and check your computer regularly.
Protecting your information when using a public computer
If you come across a program like this when you are using a public computer, using the Enhanced Security feature located on the login screen will not stop these types of programs from caching the pages you view. You can adjust the search program preferences so it does not store secure pages you wish to view. If you forgot to adjust the preferences before banking online, you can remove the stored items via the Google Desktop results page by clicking on the Remove items link.
To learn more about browser security, please visit the Microsoft web site. To ensure a safe and secure Internet session, only visit reputable sites. If you visit any questionable web site beforehand, we recommend you close your browser and restart it before proceeding to use our online banking services.
Protecting yourself against electronic identity theft
Electronic identity theft can occur when you respond to a fraudulent email that asks for your personal banking information. Armed with this information, a person may be able to access your accounts or establish credit, pay for items or borrow money using your name. You can help protect yourself from electronic identity theft by following some simple precautions.
Safety precautions for online banking
- The easiest way to tell if an email is fraudulent is to bear in mind that we will never ask you for your personal passwords, personal information numbers or login information in an email. Legitimate financial institutions do not include links to their web sites in email communications to customers.
- When banking online, check the address of any pages that ask you to enter personal account information. In the toolbar at the top of the page any legitimate Internet banking web site will begin with ‘https’ to indicate that the page is secure.
- Look for the padlock found in the lower right corner of your screen. If the page is legitimate, by clicking on the padlock, you can view the security certificate details for the site. A fraudulent site will not have these details.
- Type in our web address yourself to ensure you are transacting with our server.
- Check your bank and credit card statements regularly to ensure that all transactions are legitimate.
Our employees do not have access to your PAC, and they will not ask you to reveal it. If you suspect any loss, theft or unauthorized use of your account by so and contact us immediately by calling (306) 383-4155 or TF – 1-844-383-4155.