HNB FIRST BANK
Customer Awareness Program
HNB FIRST BANK’s Commitment to Security
Each year more and more Americans have their identity stolen and the staff and management of HNB FIRST BANK want to give you the information you need to help protect yourself against ID theft.
While we cannot guarantee that your ID will never be stolen, we will NEVER request personal information by email or text messaging including account numbers, passwords, personal identification information or any other confidential information.
Fraudulent emails may be designed to appear as though they are originated by HNB FIRST BANK. Do not respond to any email communications which request any type of personal or confidential information and do not go to any links listed on that email.
These communications are not originated by HNB FIRST BANK! Never give out any information that the Bank already has to a caller, text or email sender. If you contact us we may confirm your identity but we will never contact you and ask for you debit card number or full social security number (SSN). If we need to contact you, it will always be done in a manner that protects your personal, confidential information and we will clearly identify ourselves. One of HNB FIRST BANK’s top priorities is to safeguard YOUR confidential information and we work diligently to do so.
We always work with the local regulatory and law enforcement departments to be certain any type of illegal activity is stopped as soon as possible. We have multi-layer security to protect your confidential information and will continue to be vigilant in protecting it.
Immediately report any suspicious emails or websites to HNB FIRST BANK by forwarding the message to firstname.lastname@example.org. If you suspect identity theft or have any questions regarding this notice, please contact HNB FIRST BANK at (334) 693-3352.
Online Banking Security
HNB FIRST BANK is committed to protecting your personal information. Our online banking uses several different methods to protect your information. All information within our online banking uses the Secure Socket Layer (SSL) protocol for transferring data. SSL is a cryptosystem that creates a secure environment for the information being transferred between your browser and HNB FIRST BANK. All information transferred through online banking has a 128-bit encryption which is the highest level of encryption. In addition to the security features put in place by HNB FIRST BANK here are some tips on keeping your information secure:
• Never give out any personal information, including User Names, Passwords, SSN or Date of Birth.
• Create difficult/unique passwords which include letters, numbers & symbols when possible.
• Don’t use personal information for your user names or passwords, like birth dates or SSN.
• Avoid using public computers to access your online banking.
• Do not use the password auto-save feature on your browser.
What is Identity Theft?
Identity theft involves the unlawful acquisition and use of someone’s identifying information such as:
• Date of Birth
• Social Security Number
• Driver’s License
• Bank or Credit Card Account Number
• Personal Identifiable Number (PIN)
Thieves then use the information to repeatedly commit fraud in an attempt to duplicate your identity which may include opening new accounts, purchasing automobiles, applying for loans, credit cards, social security benefits, renting an apartment, and establishing services with utility and telephone companies. It can have a negative effect on your credit and create a serious financial hassle for you.
How do I protect myself?
• Report lost or stolen checks or credit cards immediately.
• Never give out any personal information, including birth date, SSN or Passwords.
• Shred all documents containing personal information, like bank statements, unused checks, deposit slips, credit card statements, pay stubs, medical billings, and invoices.
• Review statements promptly and carefully and periodically check your credit report.
• Don’t give any of your personal information to any web sites that do not use encryption or other secure methods to protect it.
For more information about identity theft and other tips on how to protect yourself and your information please visit the following websites.
Caution: By clicking on the links below you will be leaving HNB FIRST BANK’s website.
Computer Security: Experian
www.onguardonline.gov PO Box 2002
Allen TX 75013-0949
Federal Trade Commission for ID Theft: www.experian.com
To order a report: 888-397-3742
FDIC Consumer Alerts: To report fraud: 888-397-3742
United States Department of Justice PO Box 1000
www.usdoj.gov/criminal/fraud Chester PA 19022
P O Box 105069 To order a report: 800-916-8800
Atlanta GA 30349-5069 To report fraud: 800-680-7289
To order a report: 800-685-1111
To report fraud: 800-525-6285
Debit Card Protection
Debit card usage has increased dramatically in recent years and fraudulent use of debit cards has also increased.
We at HNB FIRST BANK have some suggestions for you for the care and usage of debit cards
• NEVER give your debit card information when requested by phone, email, or texting. We at neither HNB FIRST BANK nor any other bank we know of will ever request information from you in this manner. Please contact us if you receive any such request.
• It is a good idea to pay by credit card if your card leaves your sight. An example might be when a waiter takes your card from your table in a restaurant. Debit cards are easier to process illegally vs. credit cards.
Regulation E: Electronic Fund Transfers
This law is designed to protect consumers making electronic fund transfers. The term “electronic fund transfer” (EFT) generally refers to a transaction initiated through an electronic terminal, telephone, computer, or magnetic tape that instructs a financial institution either to credit or debit a consumer’s asset account.
The Electronic Fund Transfer Act (also known as Regulation E) was issued by the Board of Governor of the Federal Reserve System and adopted in 1978 as an add-on to the Consumer Credit Protection Act. The law and regulation establish basic rights, liabilities, and responsibilities of consumers who use EFT services and of financial institutions that offer these services.
Business/Commercial Clients are not covered by Regulation E. It is important for business customers to implement some of the sound security practices suggested in this program within their place of business to reduce the risk of fraud and unauthorized transactions from occurring.
Corporate account takeover is a form of identity theft in which criminals steal your valid online banking credentials. The attacks are usually stealthy and quiet. Malware introduced onto your systems may go undetected for weeks or months. Account-draining transfers using stolen credentials may happen at any time and may go unnoticed depending on the frequency of your account monitoring efforts.
Steps to protect your company:
• Use layered system security measures: Create layers of firewalls, anti-malware software and encryption. One layer of security might not be enough. Install robust anti-malware programs on every workstation and laptop and keep the programs updated.
• Manage the security of online banking with a single, dedicated computer used exclusively for online banking and cash management. This computer should not be connected to your business network, should not retrieve any e-mail messages, and should not be used for any online purpose except banking if possible.
• Educate your employees about cybercrimes. Make sure your employees understand that just one infected computer can lead to an account takeover. Make them very conscious of the risk, and teach them to ask the question: “Does this e-mail or phone call make sense?” before they open attachments or provide information.
• Block access to unnecessary or high-risk websites. Prevent access to any website that features adult entertainment, online gaming, social networking, and personal e-mail. Such sites could inject malware into your network.
• Establish a separate user account for every employee accessing financial information and limit administrative rights. Many malware programs require administrative rights to the workstation and network in order to steal credentials. If your user permissions for online banking include administrative rights, don’t use those credentials for day-to-day processing.
• Review or reconcile accounts online daily. The sooner you find suspicious transactions, the sooner the theft can be investigated.
Securing your Business Self-Assessment
Online banking business/commercial clients are strongly encouraged to perform an annual self-assessment focusing on their online banking practices and network security. A self-assessment will evaluate whether the client has implemented sound business practices to address the five key principles outlined below.
Is Your Company Keeping Information Secure?
Are you taking steps to protect sensitive information? Safeguarding sensitive data in your files and on your computers is just plain good business. After all, if that information falls into the wrong hands, it can lead to fraud or identity theft. A sound data security plan is built on five key principles:
• Take Stock. Know the nature and scope of the sensitive information contained in your files and on your computers.
• Scale Down. Keep only what you need for your business.
• Lock It. Protect the information in your care.
• Pitch It. Properly dispose of what you no longer need.
• Plan Ahead. Create a plan to respond to security incidents
The details for the Self-Assessment are provided by the Federal Trade Commission, Bureau of Consumer Protection at: http://www.business.ftc.gov/documents/bus69-protecting-personal-information-guide-business
Unsolicited Client Contact
HNB FIRST BANK will never contact its customers on an unsolicited basis to request their security logon credentials such as the combination of the client’s username and password. If you receive a request of this type, do not respond to it. Please call us immediately at (334) 693-3352 or e-mail us at email@example.com to report any activity of this nature.
HNB FIRST BANK will only contact its clients regarding online banking activity on an unsolicited basis for the following reasons:
• Suspected fraudulent activity on your account
• Inactive/Dormant Account
• To notify you of a change or disruption in service
• To confirm changes submitted to your online banking profile
• Always sign out or log off
• Update software frequently and keep systems current
• Use a current version of Antivirus software
• Virus software definitions should be updated daily
• Install and activate a personal firewall
• Keep your operating system current
• Activate the automatic update feature
• Set your browser’s security level to the default setting or higher
• Keep your personal information private and secure
• Check your account balance regularly
• Do not access your account from a public location
• If you suspect suspicious activity, take swift action
• Be skeptical of email messages, for example, from someone unlikely to send an email such as the IRS
• Do not open the suspicious emails and do not click on the links
• Check your credit report
• Pay using credit cards
• Shred bank account, credit card, medical and other statements with personal information
• Never click on suspicious links
• Only give sensitive information to websites using encryption, verified through the web address that starts with https:// (the “s” is for Secure)
• Use social media wisely and don’t reveal too much
• Use Passcodes
• Avoid storing sensitive information
• Keep software up-to-date
• Install remote wipe if the device is lost or stolen
• Protect your ATM card and PIN.
• If ATM Card is lost, report as soon as possible
• Choose a PIN different from your address, telephone#, or birthdate
• Be aware of people and your surroundings
• Put away your card and cash
• Observe the card reader; if it looks suspicious or damaged don’t use it. A skimming device may be attached that can read the magnetic strip and obtain all the information stored on it.
As new and emerging threats are reported, HNB FIRST BANK may update/modify this document. HNB FIRST BANK may also use statement mailers with information on ways to protect your information.
HNB FIRST BANK Contacts
You are protected in a variety of ways when you use internet banking and electronic banking products; however it is important to contact HNB FIRST BANK in the event you think your personal or company’s online access has been compromised. Also report any unauthorized or unexpected transactions immediately.
Your account is protected against fraudulent transactions in a number of ways, so monitor your account balances and transactions frequently. If you want to report suspicious activity in your account(s), or if you have questions about the security of your account(s), you can call us at (334) 693-3352 or email us at firstname.lastname@example.org.
The security of your money and identity is as important to us as it is to you. Let’s work together to protect it!!