Fraud Monitoring and Reduction

Layered Security and Audit Controls

The best way to protect your account from fraud is by implementing a multi-layered set of security and auditing controls. Our online services have multiple security and monitoring features you can utilize. Our Treasury Management team will discuss each of these options with you when you enroll for the services. For more information on these services, visit the Business section of our website, call 888.334.2262 or email us at


Periodically perform a Risk Assessment to re-assess that all the above risk reduction strategies are employed and functioning as intended. Challenge your business to implement more risk reduction options where possible. A comprehensive Risk Assessment should examine the following key areas:

  • Security policy.
  • Asset management.
  • Access controls – including User ID and Password standards.
  • Communications and operational controls.
  • Computer systems acquisition and management – including operating system and software updates/patches.
  • Incident response procedures – what to do if your system is compromised.
  • Business recovery and continuity – how do you recover if your system fails or is destroyed.
  • Periodic testing - multiple companies are available to test the soundness of your policies and technical network and computer controls.

Additional Information


Blocks can be added to your business accounts in one of two configurations: (1) block all debits or (2) allow debits from authorized sources.


Checks posting to your account can be compared to a check file you provide to us. If the check number, dollar amount, date & account number do not match what’s included in your file, the transaction is presented to you as a suspect check for your review so you can make the decision if it gets paid or returned.


Always utilize dual-control to approve activity if it’s offered as part of a service. If it’s an online service, perform the entry and approval process from different computers. If one has been exposed to key-logging malware, hopefully the other has not and a criminal cannot gain access to both pieces required to conduct transactions from your accounts.


Some alerting features of our online services are enabled by default; some are optional. Please ensure you review these options with our Treasury Management professionals to ensure you can define internal review procedures that are right for your business. Train your staff to review and respond to all alerts.


Review your account multiple times a day to review incoming and outgoing activity taking place throughout the day. Be especially timely in reviewing activity each morning. Criminals will attempt to trick banks into processing outbound transfers before you have the ability to access your account and review your activity.


Talk to your insurance agent about cyber-security insurance to cover technical recovery costs as well as breach notification expenses.


Talk with your attorney regarding your liability to protect confidential customer or payment card information.


Contact the Electronic Banking Department immediately if you notice suspicious account activity or experience a malware infection on your computer.

  • Electronic Banking Department – 888.334.2262 or locally at 717.334.3161

Remember, ACNB Bank will never:

  • Call, email or text you asking for your Online Banking password, Wire PIN, token codes, account numbers or debit card numbers. If you receive such a call, email or text message, do NOT give out any information. 
  • Direct you to a website that asks you to update your personal account information. 
  • Send an email to you containing computer software updates.
  • Visit your place of business and request to perform maintenance on your computer. 

Important: If you receive a phone call, email or text message that you question, please take the time to call and ask us to validate the communication before taking any other action. Do not use the contact information provided in the email or text message that you receive. Use the number advertised on our web site or on the back of your debit/credit card so you know you are speaking to us. 

Fraud concerns?

Report fraud immediately.

 888-334-2262 - Toll Free

Mon - Fri: 8:00 a.m. - 6:00 p.m.
Sat: 8:00 a.m. - 1:00 p.m.