ONLINE BANKING SECURITY TIPS FOR BUSINESS CUSTOMERS
1. Regularly update your computer’s operating system with patches. Your computer’s operating system needs the periodic patches supplied by the system’s manufacturer to ensure operating efficiency and security and to fix glitches discovered over time. Use Microsoft’s Windows Update or Apple’s Software Update to ensure your computer is up-to-date. Without the latest patches, you are vulnerable to attacks on the Internet.
2. Use a firewall. A firewall helps “hide” your computer from Internet attacks. The latest Microsoft and Apple operating systems come with one already installed. Make sure the firewall is on and configured. There are also firewall software packages you can purchase along with anti-virus and anti-spyware software.
3. Use Anti-Virus software and keep it up-to-date. Maintain a current subscription to keep the AV signatures up-to-date. Many times, people initially purchase a new computer that comes with a trial version of anti-virus and anti-spyware software pre-installed and mistakenly believe their computer is protected. In fact, often their anti-virus and anti-spyware subscription has expired and their software is now outdated. Anti-virus and anti-spyware software often comes packaged along with firewall software.
4. Secure the computer you use for ACNB Bank Online Banking.
a. A best practice is to secure the computer you use for Online Banking, by not allowing others to use it.
b. Never leave a computer unattended while using Online Banking.
c. Consider using a dedicated Online Banking computer—one that is ONLY used to access your Online Banking accounts and is not used for email or browsing any other Internet sites. Connect to the Internet to get security updates and software patches prior to using Online Banking and disconnect from the Internet afterwards.
5. Safeguard your User IDs and Passwords. Do not store them on a file located on your computer. Do not share them with anyone or write them down and post them near your computer. Prohibit the use of “Shared” usernames and passwords.
6. Never use an automatic login feature that saves user names and passwords.
7. Change your password frequently and use “strong” passwords with at least 8 characters that includes a combination of mixed case letters, numbers and special characters.
8. Manage your Users. Control access to accounts and system capabilities based on the job functions of employees. Disable and delete employees immediately when they leave your business.
9. Use multiple approvals for monetary transactions and set up separate entry and approval users.
10. Establish transaction dollar limits for employees who initiate and approve online transactions.
11. Take advantage of transaction limits. Establish limits for monetary transactions at multiple levels: per transaction, daily, weekly or monthly limits.
12. Properly log off when you have finished your banking transactions to break the connection with ACNB Bank’s servers. In addition, completely close your Web browser to break your connection with the World Wide Web.
13. Set up automatic email notification alerts, to notify you of security events such as failed login attempts or User ID profile changes.
14. Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to ACNB Bank.
15. Beware of requests for personal information, such as passwords, account numbers, social security numbers, and mother’s maiden name. Know that an ACNB Bank employee will never ask you any personal information in the form of an email.
16. Be cautious of clicking links or attachments in unsolicited email messages. Some links contain viruses that can infect your computer and attempt to capture your online banking credentials.
17. Beware of pop-ups. Watch out for sudden pop-up windows asking for personal information or warning of a virus. This is called “Scare ware” because it frightens people into providing information or downloading malicious software.
18. Do Not use public computers or public Wi-Fi hot spots to access your accounts. You cannot trust them. If you absolutely must use a public computer, as an added precaution, contact the Customer Contact Center immediately after you are finished and change your Online Banking password.
19. If you believe your computer has been compromised, contact ACNB Bank immediately to have your passwords changed.
Resources:
ACNB Bank Customer Contact Center: 1-888-334-2262
National Cyber Security Alliance: http://www.staysafeonline.org
Anti-Phishing Working Group (APWG): http://www.antiphishing.org/
Federal Trade Commission OnGuard Online: http://www.onguardonline.gov/
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