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Security

ONLINE BANKING SECURITY TIPS FOR RETAIL CUSTOMERS

ACNB Bank recommends the following precautions to help in reasonably securing your computer environment.

1. Regularly update your operating system with patches. Your computers operating system needs continual maintenance for your protection. Without the latest patches, you are vulnerable to attacks on the Internet. Keep it up to date and frequently check it.

    For Microsoft® operating systems, go to:
    http://www.update.microsoft.com/microsoftupdate/v6/vistadefault.aspx?ln=en-US

    For Apple® operating systems, go to:
    http://www.apple.com/softwareupdate/

2. Install a firewall. A firewall helps “hide” your computer from Internet attacks. Most current operating systems such as Windows 7 and 8 both come with one already installed. Make sure it is on and configured. Consult your computer vendor for assistance. There are also firewall software packages you can purchase along with anti-virus software. Free firewall software packages are available as well.

3. Use Anti-Virus (AV) software and keep it up to date. There are good, free AV products, but our advice is to purchase a commercial AV product and maintain a current subscription to keep the anti-virus signatures up to date. Many times people initially purchase anti-virus software and never update it, thinking they are safe when in fact, their subscription ran out and their software is now out of date.

4. Use Anti-Spyware software and keep it up to date. Often, commercially available anti-virus software also includes anti-spyware, anti-phishing and a firewall.

5. Physically secure your computer. A best practice is to secure the computer you intend to use for accessing Internet Banking from use by others. If others are going to use the same computer, be vigilant of their activities.

6. Additional precautions:

    a. Hardware Router. Many times, people simply plug their computer into their High Speed Internet Connection. If you are connected to the Internet through high-speed media such as DSL or Cable TV, it is advisable to install a Router between your DSL or Cable modem and your computer. A Router is a piece of hardware that acts as a firewall, screening your computer from the Internet. It is important to note that a firewall is still recommended on your computer as well. The Router is not a substitute for a software firewall. Be sure to change any default passwords on your router.

    b. Wireless Router Precautions. Wireless connections to the Internet need to be properly configured to prevent unauthorized access to your computer. Use at least WPA (Wireless Protected Access) to secure your wireless connections. Follow the installation instructions very carefully or consult a professional installer.

    c. User ID and Password Precautions. Safeguard these! Do not store them on a file located on your computer. If your computer becomes compromised by a hacker, they will then have your User ID and Passwords. Don't share them with anyone or write and post them near your computer. ALWAYS use complex passwords that contain an upper and lower case letter, a number and special character. Do not use dictionary words in your passwords. Dictionary words are easy for a hacker to crack.

    d. Using public computers and “Free Wi-Fi or Hotspots” to access your accounts. Avoid doing this, because you can't trust public computers or networks. If you absolutely must use a publicly accessible computer, be certain to check “no” when the following question displays on the screen, “Do you want to enhance your computer”. As an added precaution, change your Online Banking password as soon as you can from a known safe computer or contact the customer contact center immediately after you are done and ask for a password change.

    e. Be cautious in opening emails from unknown senders. Don't open email attachments or click hyperlinks on an email unless you are sure the sender is someone you know and trust. REMEMBER: ACNB Bank will never send you an email asking you to verify your user names, account numbers or passwords.

    f. If you suspect your computer has been compromised contact us immediately so we can take precautions to protect your financial assets. Call us at: 1.888.334.ACNB (2262) or locally at 717.334.3161.

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