At ACNB Bank, we are committed to protecting the security and privacy of your financial information. We want to help you protect your personal information and financial assets by providing you with information and tips you can use.
How we safeguard your information:
- We are proactive in protecting your information, using state of the art firewalls, intrusion prevention and detection systems, encryption and many other forms of security that are continuously monitored and maintained. We use encryption standards and SSL (Secure Socket Layer) technologies to help ensure information passes to and from our organization without being intercepted by third parties.
- We use encryption if we need to send you a secure email. Regular (non-encrypted) email is not secure and can be intercepted by others. If you are sending us any personal or account information, please only do so using the secure messaging feature within our Online Banking service. Otherwise, call us directly at 1.888.334.ACNB (2262).
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 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.
Need more information?
For more information, call us toll free at 1-888-334-2262 or complete our Contact Information Form.
- For Consumers
At ACNB Bank, keeping your financial information secure is one of our most important responsibilities. Identity theft and financial fraud continues to impact many consumers each year. Safeguarding your information is a partnership. The following sections provide important tips to protect you from scams and fraud.
- For Businesses and Other Organizations
In the past, businesses could protect their accounts from fraud by using traditional accounting controls. In today’s business environment, the simple act of opening an email attachment or visiting a website could introduce malware in to your organization and leave your business the victim of payment fraud.
Businesses all across the United States have suffered large financial losses from a crime called Corporate Account Takeover (CATO). CATO is a form of corporate identity theft where cyber thieves gain control of a business’ bank account by stealing employee passwords, token codes and other valid credentials. Thieves then initiate wire and ACH transactions to move money to accounts utilized by other thieves who often withdraw the funds before the business realizes their funds are stolen. In turn, the thieves’ quick actions to withdrawal the funds may make it impossible for us to help you recover the money stolen from your account.
Protecting your accounts is a partnership. ACNB Bank offers multiple security features to protect your accounts, but certain steps must also be performed by your business to ensure the security features function at optimal levels. When performed together as part of a layered security strategy, your activities can be guarded by reasonable security standards.How can CATO impact your Business?
Criminals use social engineering and phishing to lure employees into clicking links or attachments in emails, clicking on malicious advertising banners on websites, or they may even call your place of business and pose as a trusted vendor to trick employees in to installing malicious software on business computers. The malicious software then captures keystrokes and/or screenshots of employee online banking activity and can take over the employee’s online banking session, allowing the criminal to alter transactions conducted from your online account.
Awareness of how company computers can become infected is crucial. The more knowledgeable you and your staff are, the more prepared you will be to protect your business.
The following sections provide important guidance to protect your account from different forms of scams and fraud. The information provided is intended for your general knowledge only and is not a substitute for a consultation with a cyber-security professional or for obtaining legal advice from an attorney licensed to practice in your jurisdiction. The information is not intended to be all-inclusive and is not an assurance of protection against any form of security breach or fraudulent activity.
Online and Mobile Banking Security for Businesses and Organizations
Mobile Device Protection Tips for Businesses
Phishing and Social Networking for Businesses
Wireless Protection Tips for Businesses
Fraud Monitoring and Reduction
- Identity Theft Information
Identify theft continues to be one of the fastest growing crimes in the United States. Your personal information is a very valuable commodity to fraudsters. Know the steps you can proactively take to protect your personal information and – if needed – what steps you should perform if you become a victim of identity theft.
Steps to take if your Identity has been stolen:
- Contact ACNB Bank immediately to report any fraudulent activity you’ve seen on your account or to close any impacted accounts.
- Contact the three major credit bureaus listed below and place a fraud alert on your credit file. You should only need to contact one bureau to request the alert and they will contact the other two for you.
To report fraud, call 1-800-525-6285 and write: P.O. Box 740241, Atlanta, GA 30374-0241. For the hearing impaired, call 1-800-255-0056 and ask the operator to dial. For the Auto Disclosure Line, call 1-800-685-1111 to request a copy of your report. To report fraud, call 1-888-EXPERIAN (397-3742) and write: P.O. Box 9530, Allen TX 75013. TDD: 1-800-972-0322 To report fraud, call 1-800-680-7289 and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634 TDD: 1-877-553-7803
- Obtain your free annual credit report and review it closely.
- Visit the Federal Trade Commission’s website (listed below under Additional Resources) which will walk you through the step-by-step repair process. The site includes checklists and forms which will assist you through the recovery of your good name.
The Identity Theft Resource Center website provides additional resources for education and includes links to state laws for identity theft and costs for applying credit freezes for each state.
Important: If you receive a phone call, email, text message or visit to your place of business 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 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.
Need more information?
For more information, call us toll free at 1-888-334-2262 or complete our Contact Information Form